Earn up to 5X Rewards points when you shop for everyday purchases, or when you travel - all year round.
Enjoy complimentary access to the Plaza Premium Lounge in KLIA with a variety of services and facilities! You can also enjoy 24/7 World MasterCard Concierge and VIP privileges at luxury hotels and destination travel offers!
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!
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!
| 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
| 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 |
| 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 |
| 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| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |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. |
| 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 |
| Minimum Annual Income | RM 90,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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