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    Citibank Credit Card

    Citibank offers credit cards (kad kredit) that have a wide range of benefits. They offer cashback, rewards, etc. The reward points can be used for shopping or to make other purchases. Citibank also offers travel insurance thus making it an ideal option to those who love travelling.

    Why Choose Citibank Credit Card

    The credit cards offered by Citibank offer higher credit limit. You can also upgrade the card if you want to. You can also increase the credit limit on your card. You get to enjoy a wide range of benefits and privileges. Citibank offers specific cards for travel, cash rebate, reward points, and business. You can apply for supplementary cards so that you can share the benefits of the card with your loved ones. You can transfer outstanding balance from other credit cards to Citibank Credit Card. You can also get a cash advance, insurance, and credit shield.

    Benefits of Citibank Credit Card

    The following are the various features and benefits of Citibank Credit Cards:

    • You get to upgrade the card as and when your lifestyle changes to keep up with your changing needs.
    • You can opt for different rewards, privileges, or benefits.
    • You can either permanently or temporarily increase the credit limit.
    • You can transfer the balance from another credit card to Citibank Credit Card.
    • You can transfer balance through installments as well. The interest ranges between 5.32% p.a. – 5.81% p.a.
    • You can convert the outstanding balance into monthly installments. The minimum amount required for converting is RM1,000.
    • You get cash bundled with installment options. The fast funds are disbursed within a week.
    • You can get a cash advance at any time offering you greater financial flexibility.
    • You can convert your purchases to Flexi Payment Plan. The minimum amount required is RM500.
    • You can get 0% interest for up to 36 months at certain merchant outlets.
    • Visa Checkout is convenient and you can shop at any time.
    • A higher credit limit is offered on many credit cards.
    • You get purchase protection for up to 30 days from the day you purchase a product.
    • You also get free access to airport lounges.

    Types of Credit Cards offered by Citibank

    The following are the various types of credit cards offered by Citibank:

    1. Citi PremierMiles Visa Card: With this credit card, you can earn 1 PremierMiles for every RM3 spent locally and you earn 2 PremierMiles for every RM3 spent overseas. You also get unlimited access to selected International Plaza Premium Lounges. You are also entitled to a complimentary ride to your home from KLIA if you spend on your card overseas. You also get rewarded with 10,000 PremierMiles on the anniversary of your card after you have paid the annual fee. You can earn PremierMiles when you purchase fuel as well.
    2. You can convert 1,500 PremierMiles to 1,000 Air Miles which can be used at Qatar Airways, Garuda Indonesia, Enrich, Asia Miles, Etihad Airways, etc. You can also get a complimentary stay at the hotel partners around the world by converting the PremierMiles. 1,500 PremierMiles can be converted to 1,000 Hotel Loyalty Points.

      You can use 5,000 PremierMiles to pay for travel expenses worth RM100. You get instant rewards as well, you can pay for your retail purchases by converting 60 PremierMiles to RM1 at Airport Limo Malaysia, Robinsons, Senheng, and Plaza Premium Lounge.

      The annual fee also can be redeemed with 30,000 PremierMiles. You can redeem an entry to and Plaza Premium Lounges with 3,500 PremierMiles or you can get 50% discount when you pay with this card. You also get various discounts at premium restaurants, luxury hotels, and green fees.

    3. AirAsia - Citi Gold Visa Credit Card: You can earn up to 2x Air Asia Points on your monthly spend. You also get 1 complimentary Pick-a-Seat annually. You get up to 3 complimentary In-Flight Meals in a year. You earn up to 1 AirAsia Points for your first RM500 monthly spend, you earn 1.5 AirAsia Points for the next RM501 – RM2,499, and for the next RM2,500 and above, you earn 2x AirAsia Points.
    4. You get priority booking, special fares, and Citi World Privileges. You also get an early notification on the promotions 1 day before the sales. You get additional AirAsia benefits when you spend RM20,000 in a year. You also get to enjoy KPJ exclusive healthcare packages.

      You get preferential treatment and discount of up to 50% at over 24,000 establishments around the world. You can redeem the AirAsia Points for BiG Points for complimentary flights from AirAsia. You can convert 2,000 AirAsia Points to 500 BiG Points. On your birthday, you can redeem 3,000 BiG Points with your AirAsia Points and get 500 Bonus BiG Points. The BiG Points can be redeemed quite easily through a phone call. When you redeem your AirAsia Points to BiG Points, you can get the best rate on air tickets, you can top up the BiG Points balance with your credit card, and you get 4-hour priority booking.

    5. AirAsia - Citi Platinum Visa Credit Card: You can earn up to 3x Air Asia Points on your monthly spend. You also get 2 complimentary Pick-a-Seat annually. You get up to 6 complimentary In-Flight Meals in a year. You earn up to 1 AirAsia Points for your first RM500 monthly spend, you earn 2 AirAsia Points for the next RM501 – RM5,999, and for the next RM6,000 and above, you earn 3 AirAsia Points.
    6. You get special fares, priority booking, and Citi World Privileges. You also get an early notification on the promotions 1 day before the sales. When you present this card, you get RM200 off on AirAsia X Premium Flatbed upgrade. When you spend an average of RM30,000 you get additional AirAsia benefits.

      You can redeem the AirAsia Points for BiG Points for complimentary flights from AirAsia. You can convert 2,000 AirAsia Points to 500 BiG Points. On your birthday, you can redeem 3,000 BiG Points with your AirAsia Points and additionally get 500 Bonus BiG Points. You can call 03-2383-0000 if you want to redeem the BiG Points. When you redeem your AirAsia Points to BiG Points, you can get the best rate on air tickets and you get 4-hour priority booking. You can top up the BiG Points balance with your credit card.

    7. Citi Prestige MasterCard: You get unlimited airport lounge access and a complimentary night’s stay at any hotel worldwide. You get expert concierge service and access to exclusive events. You also receive annual Relationship Bonus Points. The rate of Citi Rewards Points will increase as your relationship grows with Citibank. You get double Relationship Bonus Points based on your annual spend and the duration for which you have been banking with Citibank.
    8. You earn Citi Rewards Points for every RM1 spent on the local purchases. You get 2 Citi Rewards Points when you spend RM1 or its equivalent overseas. You can pay for your purchases or service with Citi Rewards Points. You can offset any purchases with Citi Rewards Points. You can call the Citi Prestige Priority Line and inform the executive of the purchase that you want to offset using the Citi Rewards Points.

      You get Citi Prestige Concierge service which will take on tasks of organising everyday tasks. The Citi Prestige Priority Line is available at your service 24x7. You get worldwide assistance from Citibank. You get the smart billing service which combines all utility bills and it is charged to your credit card. You can withdraw cash from any ATM, if you are in urgent need of cash. You get overseas emergency services as well.

      The Citibank Prestige Card bill through phone, email, or online. You can also arrange for an auto-debit facility. If you lose your credit card or if it is stolen or damaged, you can get a replacement 1-hour. You also get personal and travel protection benefits.

      You get premium protection such as extended warranty, purchase protection, overseas personal accident cover, and refund protection.

    9. Citi Rewards Visa Card: You can earn 5x Citi Rewards Points on your overseas spend. You also earn 5x Citi Rewards Points at major supermarkets and departmental stores. You earn 1x Citi Rewards Points for every RM1 spent locally. The Citi Rewards Points don’t expire. You can offset the purchases with your Citi Rewards Points for which you can call the Citi Rewards dedicated priority line at +603-2383-1010. You get complimentary access to Plaza Premium Lounge.
    10. Citi Clear Visa Card: You get 3x Citi Rewards Points when you use the card at popular hangouts. You get 1-for-1 drinks at The Coffee Bean & Tea Leaf outlets. You also get 1-for-1 movie tickets on Friday at TGV and GSC.
    11. The annual fee is waived for the first year provided you use the card 3 times within 60 days from the date of approval. You get up to 50% off at over 24,000 establishments around the world. The Rewards Points do not expire and you can redeem it at any time. You can convert your Rewards Points instantly. You can convert 400 Citi Rewards Points for RM1. You can reach the bank at any time and log in to the site to check your account.

      You can get instant cash at any of the ATMs that have Visa logo. Your card is accepted all over the world. If your card is lost, damaged, or stolen, you can get a replacement in 1-hour. You won’t be liable for the fraudulent charges incurred on your lost card if you immediately report. You get enhanced protection and security as the card is embedded with EMV-smart chip.

    12. Citi Simplicity+ Visa Card: You get 10% interest back for on-time payments. There is no late payment, overlimit, or annual fee charged. You get to enjoy the best Citi World Privileges with your favourite travel, beauty & wellness, and shopping merchants. The account can be accessed through ATMs, CitiPhone Banking, Citibank Online, and over-the-counter. The payment for this card can be done online, funds transfer, CitiPhone Banking, and automatic direct debit.
    13. Citi Choice Card: You can earn rewards for life with this card. There is no annual fee charged. You can earn 50 Citi Rewards Points for every RM50 spent in a single transaction. The Citi Rewards Points do not expire and you can use it to redeem whenever you want. You get various privileges and discounts at over 24,000 global and 1,000 local boutiques, restaurants, retail outlets, golf resorts, and hotels. You can pay your bills online. You get 24x7 Citibank Banking Center Service. You can check the status of your account and set up reminders. You can combine the utility bills into one and it will be charged to your credit card automatically. If your card is lost, stolen, or damaged, you can get a replacement within 1-hour. This card is accepted at over 120 countries.

    The account can be accessed through CitiPhone Banking, ATMs, Citibank Online, and over-the-counter. The payment for Citi Choice Card can be done online, funds transfer, CitiPhone Banking, and automatic direct debit.

    1. Citi Cash Back Visa Card: There are no minimum spend criteria on this card. You get 5% cashback on everyday purchases. The cashback is automatically credited to your account once RM20 cashback is accumulated. The more you spend on this card, the more rebates you earn. You earn cash rebate on monthly recurring bill payments.
    2. Shell - Citi Credit Visa Card: You get up to 50% discount with Citibank World Privileges. You get 8% rebate on fuel at Shell every day. The annual fee is complimentary for the first year if you use your credit card for at least 3 times within 60 days from the date it was issued. You get to enjoy preferential rates on healthcare packages at KPJ. The payment for this card can be done online, funds transfer, CitiPhone Banking, and automatic direct debit. The account can be accessed through CitiPhone Banking, ATMs, over-the-counter, and Citibank Online.
    3. Citi Travel Account Visa: You can earn cashback on travel-related spend. You can book flight tickets and all your travel related expenses in one single account with this card. The expenses are streamlined and you can save time tracking all the expenses. You can get up to 0.5% cashback on air ticket purchases, hotel bookings, and car rentals. You also earn airline miles when you book your tickets through Kaligo Business Plus. You get a complimentary corporate liability waiver insurance of up to RM75,000. This card is ideal for the company who have employees travelling often.
    4. Citi Business Platinum Visa: You get unlimited 0.5% cashback on local spend and 1.2% cashback on overseas spend. You also get a complimentary insurance coverage of up to RM1 million. This card is designed for business owners. Once you accumulate RM20 cashback it is credited to your account. You can earn airline miles for bookings that you make through Kaligo Business Plan. You get personal accident benefit and travel inconvenience coverage.
    5. Citi Business Signature Card Visa: You can earn cashback, exclusive privileges, and discounts when you spend on this card. This card is ideal for a business. You can set a spending limit for each employee. The company expenses can be tracked easily through the consolidated reports. You get up to 0.5% cashback on selected business spend. You also get a complimentary corporate liability waiver insurance of up to RM75,000 per cardmember. You also earn airline miles when you book your tickets through Kaligo Business Plus.

    Eligibility Criteria to avail Citibank Credit Card

    If you wish to get a Citibank Credit Card, you must meet the following eligibility requirements:

    • You must be at least 21 years old.
    • Supplementary cardholders must be at least 18 years old.
    • Minimum income requirements are as follows:

    Citi PremierMiles Visa Card – RM100,000 p.a.

      • AirAsia – Citi Gold Visa Credit Card – RM24,000 p.a.
      • AirAsia – Citi Platinum Visa Credit Card – RM36,000 p.a.
      • Citi Prestige MasterCard: Check with the bank representative.
      • Citi Rewards Visa Card: RM60,000 p.a.
      • Citi Rewards MasterCard: RM90,000 p.a.
      • Citi Clear Visa Card: RM24,000 p.a.
      • Citi Simplicity+ Visa Card: Check with the bank representative.
      • Citi Choice Card: Check with the bank representative.
      • Citi Cash Back Visa Card: RM36,000 p.a.
      • Shell – Citi Credit Visa Card: RM24,000 p.a.
      • Citi Travel Account Visa: RM24,000 p.a.
      • Citi Business Platinum Visa: RM48,000 p.a.
      • Citi Business Signature Card Visa: RM24,000 p.a.

    Documents Requirements to apply for Citibank Credit Cards

    You are required to submit the following documents along with the duly filled application form:

    Salaried Employee:

    • A copy of MyKad.
    • Latest 2 months salary slip.
    • Latest EPF statement.
    • Latest BE form with the tax receipt.
    • Latest EA Form.
    • 3 months’ bank statements.

    Self-Employed:

    • 6 months’ bank statements.
    • Latest Form B with the tax receipt.
    • A copy of MyKad.
    • A copy of Business Registration Form.

    Salaried Expatriate:

    • Letter of Employment.
    • A copy of Passport.
    • Work permit that is valid for at least 6 months at the time of application.
    • Latest 2 months’ salary slip.

    Business Applicants:

    • 6 months’ bank statements.
    • Latest Form B with the tax receipt.
    • A copy of Business Registration Form.

    Citibank Credit Card Promotion

    The following are the various Citibank Credit Card promotions that are offered to you:

    • You get 40% off on Deluxe Room and Cabana Paradise at Corrus Hotel. This is an ongoing offer that is valid until 31 December 2017.
    • When you spend a minimum of RM100, you get 3 entries to Jom Balik Kampung Contest at AEON BiG hypermarket. This is an ongoing offer that is valid until 31 December 2017.
    • You get 20% off the food bill during happy hours which is 4 p.m. – 8 p.m. and 20% off on the total bill after 8 p.m. This is an ongoing offer that is valid until 31 July 2017.
    • You get 7% off for all platinum cards and 5% off for other cards at Agoda. This is an ongoing offer that is valid until 31 December 2017. The stay period is valid until 31 March 2018.
    • You get 20% off at 3ciety when you use the promo code CITI20. This is an ongoing offer that is valid until 31 December 2017.
    • You get up to 60% off at Citi-exclusive bundled items and an additional RM10 off when you spend a minimum of RM130 at Applecrumby and Fish. This is an ongoing offer that is valid until 31 December 2017.
    • You get 20% off on first retail shipping rate when you use the promo code CITIFIRST and you will get 5% off on subsequent shipping rates at Borderlinx. This is an ongoing offer that is valid until 31 December 2017.
    • You get 20% off on selected items at Doublewoot when you use the promo code CITI20. This is an ongoing offer that is valid until 31 March 2018.
    • You get 15% off on orders at FlowerAdvisor. The discount is not valid on delivery charges. This is an ongoing offer that is valid until 30 June 2018.

    Citibank Balance Transfer

    You can transfer the credit card balance from other credit cards to Citibank Credit Card. You get flexible repayment options with minimum monthly repayment. You can transfer a minimum of RM1,000 for 2.99% interest per annum for 9 months. You can transfer the whole balance or a part of the outstanding balance. The effective interest rate I s8.99% p.a. for 12 months. Your monthly repayment will be 5% of the outstanding balance of the amount transferred. You can fully settle the balance transfer by paying the entire amount.

    Fees and Charges

    The following are the fees and charges applicable to the credit cards:

    Annual fees – Principal card

    Citi PremierMiles Visa Card – RM636-RM530

    AirAsia - Citi Gold Visa Credit Card – RM190.80

    AirAsia - Citi Platinum Visa Credit Card – RM402.80

    Citi Prestige MasterCard - RM1,060

    Citi Rewards Visa Card – RM636

    Citi Clear Visa Card – RM95.40

    Citi Simplicity+ Visa Card - Nil

    Citi Choice Card – Nil

    Citi Cash Back Visa Card – RM127.20

    Shell - Citi Credit Visa Card – RM206.70

    Citi Travel Account Visa – RM636

    Citi Business Platinum Visa – RM212

    Citi Business Signature Card Visa – RM636

    Annual fees – Supplementary card

    Citi PremierMiles Visa Card – Free

    AirAsia - Citi Gold Visa Credit Card - Free

    AirAsia - Citi Platinum Visa Credit Card - Free

    Citi Prestige MasterCard – Free

    Citi Rewards Visa Card – RM159

    Citi Clear Visa Card – RM63.60

    Citi Simplicity+ Visa Card - Nil

    Citi Choice Card - Nil

    Citi Cash Back Visa Card – RM63.60

    Shell - Citi Credit Visa Card – RM106

    Citi Travel Account Visa – RM106

    Citi Business Platinum Visa – RM106

    Citi Business Signature Card Visa – RM106

    Finance charge – Purchases 15% p.a. – 18% p.a.
    Finance charge – Cash advance 18% p.a.
    Cash advance fee RM21.20 or 5.3% of the cash amount.
    Finance charge on balance transfer Up to 6.99% p.a.
    Finance charge on balance transfer installment Up to 9.9% p.a.
    Finance charge on Dial-For-Cash Up to 17.9% p.a.
    Finance charge on balance conversion Up to 17.9% p.a.
    Finance charge on flexi payment plan Up to 17.9% p.a.
    Credit shield RM60 for every RM100 of the monthly balance.
    Late payment charge 1% of the outstanding balance or RM10, whichever is higher.
    Minimum monthly repayment 5% of the outstanding balance + 100% of the overlimit amount + 100% of the past amount due.
    Conversion rate for overseas transaction Charged determined by MasterCard or Visa plus 1% administration cost.
    Dynamic Currency Conversion Service fee 0.848% on every converted Ringgit spent.
    Sales draft retrieval fee RM21.20 per copy.
    1-hour card replacement fee RM50 per card.
    Overlimit fee RM26.50 per month.
    Monthly statement retrieval fee RM5.30 per statement.
    CitiPhone Credit Card statement RM5.30 per request.
    Request for sales draft RM21.20 per copy.
    Stamping fees on Letter of Set Off Ad Valorem 0.5% if the credit amount.

    How to Apply for a Citibank Credit Card?

    You can apply for a Citibank Credit Card online. You can also check the status of your application online. You can also visit the closest Citibank branch and apply for the credit card.

    How to increase Citibank Credit Card limit?

    You can increase your Citibank credit limit temporarily or permanently. You can apply for the credit limit increase online. You will have to attach the necessary income documents and send it to: Citibank Berhad, BankCard Credit Initiation Department, Credit Card: Credit Line Maintenance, Level 9, Menara Citibank- 165, Jalan Ampang, Kuala Lumpur- 50450.You can You can also reach the bank through CitiPhone Banking, the numbers are:

    • Kuala Lumpur: 03-2383-0000
    • Penang: 04-296-0000
    • Johor Bahru: 07-268-0000
    • Melaka: 06-852-0000
    • Kuantan, Pahang: 09-509-0000
    • Sabah & Sarawak, toll-free: 1-800-82-1010

    You will have to wait for 14 working days for the request to be reviewed. You will have to submit the following documents:

    • Latest EPF statement.
    • Latest EA Form.
    • Latest Borang B/BR with LHDN receipt or a proof of tax being paid.
    • Latest 3 months’ salary slips.
    • Salaried foreigners who are working in Malaysia will have to submit their work permit or residence pass for at least 6 months along with a copy of valid passport.

    Citibank Credit Card Customer Care / Hotline Number

    You can reach Citibank at 1300-13-5555 or 2383-8111

    Citibank Credit Card FAQs

    Q. Does Citibank offer any specific credit card for businesses?

    A. Yes, Citibank offers Citi Business Signature Card, Citi Business Platinum Card, Citi Travel Account Card, and CitiBusiness Credit Card, especially for businesses.

    Q. What is the minimum income required to be eligible to apply for a Citibank Credit Card?

    A. You will need a minimum income of RM24,000 to apply for a Citibank Credit Card, but this minimum income varies from card to card.

    Q. How long will it take for a Citibank Credit Card to be replaced?

    A. If your Citibank Credit Card is lost, damaged, or stolen, you can get a replacement within an hour.

    Q. How long are the Citi Rewards Points valid for?

    A. The Citi Rewards Points do not expire and you can wish to redeem it at any time.

    Q. Can the PremierMiles be redeemed to other Miles and Points?

    A. Yes, you can convert the PremierMiles to Air Miles and Hotel Loyalty Points. They can also be redeemed for cash to pay for travel expenses and for purchases at certain retail outlets.

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