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.
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.
The following are the various features and benefits of Citibank Credit Cards:
The following are the various types of credit cards offered by Citibank:
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.
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.
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.
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.
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.
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.
If you wish to get a Citibank Credit Card, you must meet the following eligibility requirements:
Citi PremierMiles Visa Card – RM100,000 p.a.
You are required to submit the following documents along with the duly filled application form:
The following are the various Citibank Credit Card promotions that are offered to you:
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.
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.|
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.
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:
You will have to wait for 14 working days for the request to be reviewed. You will have to submit the following documents:
You can reach Citibank at 1300-13-5555 or 2383-8111
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.