• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee


Feature Highlights
  • Earn no-expiry Rewards Points from retail spending
  • Low annual interest rate starting at 15%
  • Earn 50 Citi Rewards points for every RM50 spent per transaction


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


  • 1 Rewards Points with every RM1 spent


  • 1 Rewards Points with every RM1 spent


  • 1 Rewards Points with every RM1 spent


  • 1 Rewards Points with every RM1 spent

Other Features

  • Lifestyle

    • Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts, and more

  • Balance Transfer

    • 2.99% per annum for a tenure of 9 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Free for life )
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 Nil
Finance charges 15% p.a. – prompt payments of less than or equal to 50% of monthly outstanding balance for 12 consecutive months

17% p.a. – prompt payment for 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


Cash advance charge

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

Cash advance interest charge


Cashback Limit


Rewards points expiry

No expiry

Product Review by iMoney Malaysia

The Right Choice

Citibank Choice Credit card offers you 50 Reward Points for every RM50 spent per transaction on dining, entertainment, shopping and groceries. The best part about this credit card is that the points that you earn will never expire. Besides that, you will also enjoy discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and many more. You can also pay your bills, transfer funds and make cash deposits via MEPS Interbank GIRO. You will also be provided with Round-the-clock service with a 24-hour Citibank Banking Center, 24-hour CitiPhone Banking, Citibank Online and Express Payment Machines. You will no problems with this card because it has global recognition and global acceptance in more than 120 countries and more than 20 million establishments worldwide.

Fees and Charges

Citibank Choice Credit Card does not charge any annual fees for both principal card and supplementary card. Moreover, to enjoy a low finance charge of 15% per annum, you will need to do prompt payments for 12 consecutive months with the payments of 5% from the outstanding balance or RM50 (whichever is higher). 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 Citibank Choice Credit Card as it offers 2.99% per annum for tenure of 9 months.

Are You Eligible For The Citibank Choice Credit Card?

To enjoy spending on the Citibank Choice 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 Citibank Clear Credit Card and AmBank Imagine Visa Card, which may match your requirements.

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