• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.33% p.a.

  • Annual Fee


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


Activate your card and Get Trolley bag OR Smartbackpack & Gym Bag

  • Activate your card within sixty (60) days from the approved card date to get Trolley Bag
  • With atleast eight (8) retail spend within 60 days
  • Valid for new citi card members who apply online.
  • Promotion ends 31 Dec 2019


  • 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 Via Installments

    • 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

Card Information

Annual Fee Free (3 years Annual Fee Waiver (Limited offer))
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

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 daily compounding daily basis

Cashback Limit

Up to RM764 a year on petrol

Rewards points expiry


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 RM195 for principal card and RM100 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 8.99% per annum for a tenure of 12 months if you are planning to conduct a balance transfer with CITI Bank's Balance Transfer via Installment plan. 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!

*Citi Credit Card Online Card Acquisition Promotion Terms and Conditions apply
Sign-up period: 01 Jan 2019 – 31 Dec 2019