• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM195.00

Feature Highlights
  • Up to 8.0% cashback on Shell fuel
  • Low interest rate starting at 15% per annum
  • 3.99% per annum for a tenure of 7 months
Petrol
10/10

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

Petrol

  • 8.0% cashback on Shell fuel if total spending (Dining, travelling, bills, groceries) is above RM2,500 per month. Cashback is capped at RM64 per month
  • 6.0% cashback on Shell fuel if total spending is between RM1,000 – RM2,499 per month. Cashback is capped at RM30 per month
  • 4.0% cashback on Shell fuel if total spending is between RM300 – RM999 per month. Cashback is capped at RM10 per month

Other Features

  • Protection Plan

    • Travel insurance coverage up to RM100,000

  • 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 RM195.00 (Free for the first year by using your card 3 times within 60 days)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM100
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 daily compounding daily basis

Cashback Limit

Up to RM764 a year on petrol

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Spend More, Save More on Fuel!

Shell-Citi Credit Card, you can enjoy up to 8% rebate whenever you fuel up at Shell. Personalized assistance is provided whenever you need it with Citibank’s 24-hour Gold-On-Call Assistance. Booking assistance for almost anywhere in the world, customized travel itineraries, Overseas Personal Insurance up to RM1,000,000 is made easier and possible with the Gold Travel privileges. On top of that, you can also enjoy privileges of Gold Pleasures, where you get to enjoy preferential treatment and discounts of up to 50% at over 25,000 establishments, worldwide for dining, shopping, golfing and travel. Gold Healthcare privileges will also be provided where you get access to exclusive healthcare packages at 20 specialist hospitals under KPJ Healthcare, 20% discount on screening packages and 15% discount on walk-in hospital room rates.

Fees and Charges

The annual fee for the Shell-Citi Credit Card is RM206.70 for principal card and RM106 for supplementary card. By charging your expenditures just three times within 60 days, your annual fee is waived for the first year. You will be able to enjoy a low finance charge of 15% per annum if you make prompt payments of 5% of outstanding balance or RM50 (whichever is higher) for 12 consecutive months. You can also enjoy 2.99% per annum for a tenure of 9 months if you are planning to conduct a balance transfer from any existing card. A minimum of RM10 or 1% of total outstanding balance as at statement date (whichever is higher), up to a maximum of RM100 will be charged for any late payments.

Are You Eligible For The Shell-Citi Credit Card

You will need to be at least 21 years old with a minimum income of RM2,000 to apply for the Shell-Citi Credit Card.

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 Credit Card and Maybank 2 Cards, which may match your requirements.

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