• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM180

Feature Highlights
  • Up to 2x AirAsia Points for every RM1 from your credit card usage
  • Up to 3x complimentary In Flight Meals annually
  • Get lowest fares on selected AirAsia sales 1 day ahead of public and AirAsia newsletter subscribers
Dining
5.33/10
Groceries
5.33/10
Shopping
5.33/10
Travel
5.33/10

Promotion

Complimentary 20” limited edition Condotti Superlight ABS Luggage Bag or Multipurpose Sports Digital Video Camera 1080p Full HD

  • Just spend minimum RM1,500 within 60 days on your new credit card to qualify!
  • Promotion ends 31 December 2017

Dining

  • First RM500: 1 AirAsia Point for every RM1 spent
  • Excess of first RM500 up to RM2,499: 1.5 AirAsia Points for every RM1 spent
  • Excess of RM2,499 (i.e RM2,500 and above): 2 AirAsia Points for every RM1 spent

Groceries

  • First RM500: 1 AirAsia Point for every RM1 spent
  • Excess of first RM500 up to RM2,499: 1.5 AirAsia Points for every RM1 spent
  • Excess of RM2,499 (i.e RM2,500 and above): 2 AirAsia Points for every RM1 spent

Shopping

  • First RM500: 1 AirAsia Point for every RM1 spent
  • Excess of first RM500 up to RM2,499: 1.5 AirAsia Points for every RM1 spent
  • Excess of RM2,499 (i.e RM2,500 and above): 2 AirAsia Points for every RM1 spent

Travel

  • First RM500: 1 AirAsia Point for every RM1 spent
  • Excess of first RM500 up to RM2,499: 1.5 AirAsia Points for every RM1 spent
  • Excess of RM2,499 (i.e RM2,500 and above): 2 AirAsia Points for every RM1 spent

Other Features

  • Travel

    • Privileged benefits on priority booking, special fares and holiday packages, and early notification of promotions through AirAsia
    • With a minimum spending of RM1,667, you can get 3 complimentary in-flight meals and 1 complimentary Pick-a-Seat

  • Healthcare

    • All Executive Screening Packages at selected hospitals (excluding consultation fees) are entitled for a discount of up to 30%
    • All walk-in hospital room rates (for rates of RM120 and above) are entitled for a discount of up to 15%

  • Protection Plan

    • Up to RM100,000 coverage of Travel Accident Insurance for a maximum of 30 days

  • Balance Transfer

    • 2.99% per annum for a tenure of up to 9 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM180
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder N/A
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

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

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

Cash advance amount

N/A

Cash advance charge

5% of cash amount (min RM 20) and 18% per annum daily interest

Cash advance interest charge

N/A

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Gold Class Benefits When You Travel!

Citibank AirAsia-Citi Gold Visa Card provides you with airline-related privileges such as AirAsia priority booking and early notification of AirAsia promotions. On top of that, you can get up to 2x AirAsia points for every RM1 that you spend. For the first RM500 of your spending, you will get 1 AirAsia Point for every RM1 spent. For the next RM1,999, you will get 1.5 AirAsia Points for every RM1 of your spending. For the amount after that, you will get 2x AirAsia Points on the excess amount spent (excess of RM2,499). The AirAsia Points earned can be used to exchange for flights on AirAsia website. This card also ensures your health related expenses are well taken care of through discounts on Executive Screening Packages and walk-in hospital room rates.

Fees and Charges

Annual fee for principal cardholder of Citibank AirAsia-Citi Gold Visa Card is RM180 while the annual fee for supplementary cardholder of this card is waived. This card also comes with 4 tiers of interest rate with the lowest tier at 15% per annum. To enjoy the lowest interest rate, you will need to make a minimum of 50% of your outstanding balance for 12 consecutive months. Otherwise, the interest rate that will be charged on your outstanding balance will be 15% per annum. Missing a month or two of monthly repayments, will see the interest rate charged to you go up to 17%. Anything more than that and the interest rate increases to 18% per annum. On top of that, for your late payment, there will be a late payment penalty of higher of RM10 or 1% of oustanding balance depending on which is higher (up to a maximum of RM100).

Are You Eligible For The Citibank AirAsia-Citi Gold Visa Card?

To apply for this card, you will need a minimum income of RM2,000 and to be at least 21 years old. For supplementary cardholder, all you need is 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 Citibank AirAsia-Citi Platinum Visa Card and RHB Travel Money Credit Card, which may match your requirements.

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