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AirAsia-Citi Gold Visa

AirAsia-Citi Gold Visa

AirAsia-Citi Gold Visa

Earn up to 2X AirAsia points and enjoy special privileges like AirAsia priority booking, early notification of promotions, and even complimentary in-flight meals!

Interest Rate

From 15.0% p.a.

Balance Transfer

2.99% p.a.



Annual Fee

RM 190.80

Earn up to 2X AirAsia points

You can use these points to redeem great prizes from the Citibank Rewards Program, or you can convert them into BIG points and redeem complimentary flights from AirAsia!

AirAsia Travel Privileges

Get priority booking on AirAsia flights, with special fares and holiday packages, and early notification of AirAsia promotions too! Also, with a minimum spending of RM1,667, you can get 3 complimentary in-flight meals and 1 complimentary Pick-a-Seat.

Travel protection
Travel Protection Plan

Receive Travel Accident Insurance of up to RM100,000 for a maximum of 30 days, and Travel Inconvenience Coverage covering flight delays, missed flight connection, and baggage delay, loss, and damage.

Healthcare Discounts

All Executive Screening Packages at selected hospitals (excluding consultation fees) are entitled for a discount of up to 30%, and all walk-in hospital room rates (for rates of RM120 and above) are entitled for a discount of up to 15%


Air Asia Points

Earn Spent
1 point per RM1 on first RM500 charged to card
1.5 points per RM1 on expenses from RM501-RM2,499
2 points per RM1 on expenses from RM2,500 and above
  • Earn AirAsia points on all retail spending (excluding petrol expenses).
  • AirAsia points can be used to redeem gifts from the Citibank Rewards Program or converted to BIG points at a rate of 800 BIG points for every RM1,000 spent to redeem flights from AirAsia.

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
9 months 2.99% p.a. with no one time upfront handling fee RM 1,000

Fees and Charges

Annual fee RM190.80
Annual Fee for Supplementary Card Free
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.


Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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