Enjoy up to 50% discount and preferential treatment at over 24,000 establishments worldwide for shopping, dining, travel, and leisure! Find out more at citiworldprivileges.com
20 days Interest-Free Period
Pay zero interest for retail transactions if payment is made within 20 days (only if all retail transactions for the previous month are paid for by the due date).
|3 points on every RM1||at Borders, Topman, GAP, La Senza, Zouk Club KL, Vincci, G2000, and Sakae Sushi|
|1 point on every RM1||on all other local expenses|
- Citi Reward Points are evergreen, which means that they'll never expire!
- Earn reward points for all spending except for purchases at petrol stations.
|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||RM95.40 but waived when you swipe 3 times within 60 days of approval. Only applicable for the first year.|
|Annual Fee for Supplementary Card||RM 63.60|
|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|Cash withdrawal fee||RM21.20 or 5.30% of withdrawn amount, whichever is higher|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%|
|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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