• Min. Monthly Income

    RM5,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    8.99% p.a.

  • Annual Fee

    Free

Feature Highlights
  • 5X Citi Rewards Points for every RM1 spent at major supermarkets and department stores
  • Low interest rate starting at 15% per annum
  • Travel Accident Insurance with coverage of up to RM50,000
Groceries
10/10
Travel
10/10
Shopping
10/10

Promotion

Activate and Get trolley bag + Spend to Get RM200 Cash back*

  • Activate your card within sixty (60) days from the approved card date to get Trolley Bag
  • Spend RM1500 on retail to get additional RM200 Cashback within 60 days from the approved card date
  • Valid for new citi card members who apply online
  • Promotion ends 31 Dec 2018

Groceries

  • 5X Citi Rewards Points for every RM1 spent at supermarkets Cold Storage, Giant, Tesco, Jaya Grocer and many more (limit to a maximum spend of RM3,000 per billing cycle month)

Travel

  • 5X Citi Rewards points for every RM1 spent overseas (limit to maximum spend of RM24,000 per year)

Shopping

  • 5X Citi Rewards Points for every RM1 spent at departmental stores AEON, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs and Isetan (limit to a maximum spend of RM3,000 per billing cycle month)

Other Features

  • Travel, healthcare, and lifestyle privileges

    • Complimentary unlimited access to the Plaza Premium Lounge in KLIA
    • 15% discount on all walk-in hospital room rates (only from RM120.00 and above)
    • 20% discount on all Executive Screening Packages (discount is not applicable for on-going promotional packages and excludes medical officers and specialists' consultant fees)

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM50,000
    • Purchase Protection with coverage of up to maximum RM10,000 per item / RM25,000 per occurrence.

  • Balance Transfer

    • 8.99% per annum for 12 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (3 years Annual Fee Waiver (Limited offer))
Min. Monthly Income RM5,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM150
Finance charges 15% p.a. – Cardmembers who promptly settle their min. payment due for 12 consecutive months

17% p.a. – Cardmembers who promptly settle their min. payment due for 10 months or more in a 12-month cycle

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

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Enjoy Rewards, Lifestyle Privileges, and More!

With Citi Rewards Credit Card, you will get 5x accelerated Rewards points when you shop at major department stores and supermarkets/hypermarkets. You get to pamper yourself more because you can have 20% dining discount at premium dining outlets. When you travel, present your Citi Rewards Credit Card and a valid boarding pass for complimentary access to the Plaza Premium Lounge in KLIA. Sign up now to explore some other privileges including travel, lifestyle and healthcare privileges.

Fees and Charges

The annual fee is RM600 for principal card and RM150 for supplementary card. Other than that, by making prompt payments of 5% of outstanding balance or RM50 (whichever is higher) for 12 consecutive months you get to enjoy a low finance charge of 15% per annum. Late payments will be charged a minimum of RM10 or 1% of total outstanding balance as at statement date (whichever is higher), up to a maximum of RM100.

Are You Eligible For The Citi Rewards Credit Card?

To apply for the Citi Rewards Credit Card, you need a minimum monthly income of RM5,000 and to be at least 21 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 Cash Back Platinum and BSN Platinum MasterCard / Visa, 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 Acquisition Promotion Terms and Conditions apply
Sign-up period: 01 July 2018 – 31 Dec 2018