Customizable Reward Categories
Earn 5X reward points on any reward category of your choosing! Tailor your card to match your spending habits to gain maximum rewards from your lifestyle!
Convert Reward Points to Air Miles
Are you an avid traveller? Frequent flyer? With this card you can convert your Citi Reward Points into Air Miles with selected airlines!
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).
|5 points on every RM1||at participating local merchants|
- Customize your reward categories to match your spending habits!
- Available categories are: Shopping, Driving, Home, Travel, and Entertainment.
- Minimum of 2 reward categories must be selected. If you're a new principal card-holder, you'll receive 2 categories for free in your first year!
- Participating merchants include Robinsons, Padini, Topshop, shu uemura, Uniqlo, Tangs, Shell, Tesco, AirAsia, GSC and many more.
Convert Reward Points To Air Miles
|6,400 points||1,000 Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer Airmiles, British Airways Executive Club Airmiles|
|7,000 points||1,000 MAS Enrich Airmiles|
|8,000 points||1,000 Etihad Airways Airmiles|
|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||RM106 (Free 2 categories in the first year)|
|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|Cash withdrawal fee||RM21.20 or 5.30% of withdrawn amount, whichever is higher|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%|
|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 36,000|
|Minimum Age For Primary Card||21 years old|
|Minimum Age For Supplementary Card||18 years old|
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