• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM90

Feature Highlights
  • Earn up to 3x Citi Rewards Points on dining and shopping transactions
  • Discounts and privileges at Coffee Bean and Tea Leaf, and cinemas
  • Earn 1x Citi Rewards Points with every RM1 spent
Dining
8.5/10
Shopping
8.5/10
Entertainment
5.33/10
Groceries
5.33/10
Utilities
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

  • 3 Rewards Points with every RM1 spent at Sakae Sushi
  • 1 Rewards Points with every RM1 spent everywhere else

Shopping

  • 3 Rewards points with every RM1 spent at Borders, GAP, Topman, Topshop, G2000, La Senza, Vincci, Quiksilver, and Roxy
  • 1 Rewards Points with every RM1 spent everywhere else

Entertainment

  • 1 Rewards Points with every RM1 spent everywhere else

Groceries

  • 1 Rewards Points with every RM1 spent

Utilities

  • 1 Rewards Points with every RM1 spent

Other Features

  • Lifestyle

    • Buy 1 drink and 1 of equal or lower value for free at participating Coffee Bean and Tea Leaf outlets (limit 1 per day)
    • Buy 1 Friday movie ticket and get 1 free at TGV and GSC (limit 1 free ticket per transaction)

  • 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 RM90 (Free for the first year with 3 card swipes within 60 days upon card approval)
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 RM60
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

RM5,000 daily

Cash advance charge

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

Cash advance interest charge

18% p.a compounding daily basis

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Fuel Up Your Lifestyle With Citibank Clear Credit Card!

With Citibank Clear Credit Card, you can get up to 3x rewards points when you dine in Sakae Sushi. For your shopping, when you spend in Borders, GAP, Topman and some other shops, it will also get you 3x reward points from your transactions. Any other spending in other places, will still get you points but it will only be limited to 1 point per RM1. For non-points related benefits, with this card, your purchase of a drink at participating Coffee Bean and Tea Leaf outlet will allow you to get another one drink of equal or lower value for free. Even your Friday movie ticket purchase will allow you to get "buy-one-free-one" benefit but only limited to TGV and GSC cinemas.

Fees and Charges

This card comes with an annual fee of RM90 for the main cardholder. The annual fee can be waived for the first year when you swipe your card 3 times within 60 days upon the approval of your card. For the supplementary cardholder, the annual fee is RM60. Interest rates for this card come in 4 tiers with the lowest tier being 15% per annum (you will need to make a minimum payment of more than 50% of your oustanding balance on time). 15% per annum will require you to make consistent minimum monthly payment. The third tier is 17% per annum, applies when you miss 1 or 2 months of monthly payment in a period of 12 months. Anything else, an interest rate of 18% per annum will be charged on your outstanding balance. When you miss on the monthly minimum repayment, there will be a late payment penalty of higher of RM10 or 1% outstanding balance, up to a maximum of RM100.

Are You Eligible For The Citibank Clear Credit Card?

The principal cardholder will need to be at least 21 years old with a minimum income of RM2,000 while the supplementary cardholder 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 Choice Credit Card and AmBank True Visa 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!