Citi Lazada Credit Card by Citibank

Product Highlights

Endless Rewards Points

Get 10x Rewards Points on Lazada Spends and Lazada Wallet

Exclusive Lazada Perks

Exclusive Lazada Vouchers and Free Shipping

Features

Rewards

Earn	Spent In
10x Citi Rewards Points Per RM 1	Lazada spends and Lazada Wallet per statement month
5x Citi Rewards Points Per RM 1	Online and lifestyle category per statement month
1x Citi Rewards Points Per RM 1	On all other spend and petrol
1000x Citi Rewards Points Per RM 1500	Monthly bonus point

Balance Transfer

Balance transfer

Pay Over	With Interest Rate At	When You Spend
6 Months	5.81% p.a. and no one-time upfront handling fee	From RM 1,000
9 Months	5.56% p.a. and no one-time upfront handling fee	From RM 1,000
12 Months	5.44% p.a. and no one-time upfront handling fee	From RM 1,000
18 Months	5.35% p.a. and no one-time upfront handling fee	From RM 1,000
24 Months	5.32% p.a. and no one-time upfront handling fee	From RM 1,000
30 Months	5.32% p.a. and no one-time upfront handling fee	From RM 1,000
36 Months	5.33% p.a. and no one-time upfront handling fee	From RM 1,000

Flexi Payment Plan

Pay Over	With Interest Rate At	When You Spend
6 Months	10.57% p.a. with no one-time upfront handling fee	From RM 500
12 Months	9.96% p.a. with no one-time upfront handling fee	From RM 500
18 Months	9.84% p.a. with no one-time upfront handling fee	From RM 500
24 Months	9.85% p.a. with no one-time upfront handling fee	From RM 500
30 Months	9.91% p.a. with no one-time upfront handling fee	From RM 500
36 Months	9.99% p.a. with no one-time upfront handling fee	From RM 500

Fees and Charges

Annual Fee For Primary Card	RM 100*
Annual Fee For Supplementary Card	RM 70
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*Free for first 3 years waived when you spend minimum of RM 15,000 for subsequent years.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

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