Citi Rewards Visa Signature Card by Citibank

Product Highlights

Travel Privileges

Get complimentary access to the Plaza Premium Lounge in KLIA with a variety of services and facilities! You can also enjoy 24/7 Visa Worldwide Concierge and VIP privileges from Visa Luxury Hotel Collection!

5x Rewards Points

Earn up to 5x rewards points that never expire! Collect your rewards points and redeem merchandises, air miles, hotel stars, or pay for your purchases!

Travel Protection Plan

Get up to RM50,000 overseas 24 hours personal accident coverage for you and your supplementary cardmember, when you charge your travel ticket to your card!

Features

Rewards

Earn	Spent In
5x Citi Rewards Points Per RM 1	Selected major departmental stores and supermarkets*
5x Citi Rewards Points Per RM 1	Overseas transactions
1x Citi Rewards Points Per RM 1	Other local transactions

*Departmental Stores: AEON, AEON Big, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan

*Supermarkets: B.I.G Ben's Independent Grocer, Cold Storage, Everise, Giant, Jasons Food Hall, Jaya Grocer, Servay, Tesco, Village Grocer

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
12 Months	8.99% p.a. with 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 600
Annual Fee For Supplementary Card	RM 150
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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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.

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 60,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for Citi Rewards Visa Signature Card by Citibank