Broadband Coverage Check
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Min. Monthly Income
RM2,000.00
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Interest Rate
15% p.a.
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Balance Transfer
8.99% p.a.
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Annual Fee
Free
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
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
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
8.99% per annum for a tenure of 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 | 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 | N/A |
Product Review by 
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 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!