• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.33% p.a.

  • Annual Fee


Feature Highlights
  • 10x Reward Points on Lazada Spends & Lazada Wallet
  • 5x Reward Points on select lifestyle, travel & wellness partners
  • 1x Reward Points for all other Retail spend & get upto 1000 Reward points when you spend minimum RM 1500 in a month
Insurance / Health


  • 10x Reward Points on Lazada Spends & Lazada Wallet


  • 5x Reward Points on select lifestyle (Strategic partner benefits available to choose from Malindo Air, Klook)

Insurance / Health

  • 5x Reward Points on select lifestyle, travel & wellness partners (Strategic partner benefits available to choose from Classpass, Healthland, Fraser Hospitality )

Other Features

  • Lifestyle

    • Discounts and privileges with Strategic partners -Malindo Air 25% off on Economy class Value and Flexi fares) on 5 selected destinations every Tuesday On Malindo Air, use Promo Code CITILAZADA25. T&Cs Apply. -KLOOK : Get 8% off on tours & sightseeing along with RM40 off with a minimum spend of RM200. T&Cs Apply. -Classpass : 10% off for 15, 30 and 50 credit plans for the first 6 months. Offer ends 31-March-2020, T&Cs Apply.

  • Shopping

    • Use Citi Reward points to offset Lazada Purchases, unlimited options available

  • Balance Transfer via Installment

    • Flexible Monthly Installments with flat Interest Rate between 5.32% to 5.81% p.a

  • Installment Plan

    • 0% Installment Payment Plan at all participating merchants__
    • Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts, and more, T&Cs Apply

Card Information

Annual Fee Free (No annual fee charged for first year. Following year(s) annual fees automatically waived when customer spends an annual minimum of RM15,000 during current year. Principal card: RM100 Supplementary card: RM70)
Min. Monthly Income RM2,000.00 (Monthly Income for Non-Malaysians RM 10000.00)
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder NA
Finance charges 15% p.a. – prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months

17% p.a. – prompt payment of at least 10 out of 12 months

18% p.a. – if the above are not met

Sales and Services Tax (SST)

RM25 will be imposed for principal and supplementary credit cards on the card approval date and on the anniversary of your card approval date for every year

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM5,000 daily

Cash advance charge

Cash advance fee up to 2%.

Cash advance interest charge

Up to 17.9% per annum (Effective Interest Rate)

Cashback Limit


Rewards points expiry

Bank's T&Cs apply

Product Review by iMoney Malaysia

Citi Lazada First Co-branded e-commerce card in the Region!!

Marked as the first e-commerce co-brand credit card in the region, this card benefits those that do a lot of shopping with one specific online store. If you are frequently ordering things from Lazada – and using the Lazada Wallet – this will definitely help you make the most of your spending. However, it may not appeal to those who make their big purchases elsewhere as it offers fewer points and cashback than credit cards with other focuses. If you’re in the market for a new platinum card to support your Lazada-centric shopping habits, then this is the card for you.

Fees and Charges

Lazada Citi Platinum Credit Card does not charge any annual fees for both principal card and supplementary card for the first year. Second year onwards all you need to do is spend RM 15000 and get the charges waived. The Annual fees for Principal Card is RM 100, Supplementary Card is RM 70, incase you are unable to meet the above criteria starting 2nd year onwards. You also an enjoy a low finance charge of 15% per annum, you will need to do prompt payments for 12 consecutive months. You may also enjoy a finance charge of 17% per annum if you do prompt payments for at least 10 out of 12 months. If you do not meet any of the requirements then you will be charged with the finance charges of 18% per annum. If you are planning to conduct a balance transfer from your current existing credit card, you may do so with Lazada Citi Platinum Credit Card with their Balance Transfer via Installment plan and convert them into installment, offers @ 8.99% per annum for tenure of 12 months.

Are You Eligible For Lazada Citi Platinum Credit Card ?

To enjoy spending on the Lazada Citi Platinum Credit Card, you will need to be at least 21 years old with a minimum monthly income of RM2,000 to be able to apply for the principal card and for the supplementary card you will need to be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi Clear Credit Card and AmBank Imagine Visa Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Citi credit cards and start comparing today!

*Citi Credit Card Online Application form completion tips Here
*Citi Lazada Platinum Card T&Cs Here