Citibank Choice Credit Card

Citibank Choice Credit Card

Enjoy fantastic rewards with the Citibank Choice card. It has no annual fee and is a great choice for someone looking for a first credit card!

Interest Rate

From 15.0% p.a.

Balance Transfer

2.99% p.a.



Annual Fee


Citibank Rewards

Earn evergreen Citi Reward Points for all your spending, both local and overseas!

Citibank World Privileges

Enjoy up to 50% discount and preferential treatment at over 24,000 establishments worldwide for shopping, dining, travel, and leisure! Find out more at

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).


Cash Back

Cash back
Earn Spent
1 points on every RM1 on all retail spending, both local and overseas
  • Citi Reward Points are evergreen, which means that they'll never expire!
  • Earn reward points for all spending except for purchases at petrol stations. 

Balance Transfer

Balance transfer
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 Free for life
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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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%

*inclusive of 6% GST

Interest Rate

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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