• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.33% p.a.

  • Annual Fee


Feature Highlights
  • Buy 1 free 1 movie tickets at GSC every Friday
  • Buy 1 free 1 drinks at Coffee Bean and Tea Leaf every Monday - Friday
  • Earn up to 3x Citi Rewards Points on dining and shopping transactions at participated outlets


Apply with iMoney Online & Activate to get upto RM250 TnG eWallet Reload Pin

  • Activate & Spend within 60 days of approval and get upto RM250 Touch 'n Go eWallet Reload Pin
  • 3 Year Annual Fee Waiver 
  • Valid for New Citi card members who apply & complete online applications
  • Promotion ends soon !
  • Apply Now !


  • 1 for 1 drinks at all Coffee Bean & Tea Leaf on Monday to Friday
  • 3 Rewards Points with every RM1 spent at Sakae Sushi
  • 1 Rewards Points with every RM1 spent everywhere else


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


  • 1 for 1 movie ticket every Friday at GSC
  • 3 Rewards points with every RM1 spent at Zouk Club KL
  • 1 Rewards Points with every RM1 spent everywhere else


  • 1 Rewards Points with every RM1 spent


  • 1 Rewards Points with every RM1 spent

Other Features

  • Balance Transfer via Installment

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

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants
  • Tactical Promotion
  • Up to 50% off Netflix and Spotify for new or add-on subscriptions from now till 31 Oct 2020

Card Information

Annual Fee Free (3 years Annual Fee Waiver (Limited offer))
Min. Monthly Income RM3,000.00
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

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

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


Rewards points expiry


Product Review by iMoney Malaysia

Fuel Up Your Lifestyle With Citi Clear Credit Card! here

With Citi 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 GSC cinemas. Also, avail up to 50% off Netflix and Spotify for new or add-on subscriptions from now till 31 Oct 2020.

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 Citi 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 Citi Simplicity+ Credit Card and AmBank True Visa Credit 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 Card Promotion Terms and Conditions
Sign-up period: 01-Oct-2020 to 31-Dec-2020
*Citi Credit Card Online Application form completion tips Here
*Citi Credit Card Tactical Promo upto Oct 2020 T&Cs Here For latest Citi credit card benefits and card info, please refer to www.citibank.com.my