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    Citi Gold Credit Card

    Citi Gold Card is one among the various reward points credit cards offered by Citibank. You can use this card at all major departmental stores and supermarkets. The Citi reward points you earn on your expenditure will not expire and you can redeem these reward points whenever you want on a selected range of products.

    Features

    • Citibank gives you 3 times the Citi Reward Points when you pay with Citi Gold Card at selected departmental stores and supermarkets such as Marks & Spencer, Metrojaya, Cold Storage, Servay, etc. You earn these Citi Reward Points when a maximum of RM3,000 is spent on a monthly billing cycle.
    • On balance transfer from other bank’s credit card, Citibank offers interest rates that are as low as 8.99% p.a. for a period of one year. So, you can save a substantial amount on interest payment.

    Benefits

    • Citibank provides you the convenience of paying bills from the comfort of your home with the facilities like Citibank Online, CitiPhone banking, funds transfer and Automatic Direct Debit (One bill).
    • You get exclusive healthcare packages at KPJ Healthcare Network. A discount of 20% is provided on Executive Screening Packages and a discount of 15% is provided on walk-in hospital room rates. The privilege is available in 25 hospitals. The offer is available when you pay the complete bill using only your Citi Gold Card.
    • Citi Gold cardholders get preferential treatment and discounts of 50% or below on travel, shopping, and dining at selected outlets.

    Eligibility Criteria

    • The principal cardholder must be 21 years of age or above.
    • The supplementary cardholder must be at least 18 years of age.

    Fees and Charges

    Type of Fees Charges
    Annual Fees RM206.70 p.a.(including 6% GST)
    Annual Fees-Supplementary Card RM106 p.a. (including 6% GST)
    Minimum Monthly Payment 5% of the outstanding balance
    Maximum Credit Limit RM100,000
    Period without Interest 20 days
    Finance Charges for Purchase 15% p.a. to 18% p.a. on daily interest
    Cash Advance A minimum of RM20 or maximum of 5% on total cash amount
    Overseas Transaction Conversion Charges Foreign currency transactions are converted to Ringgit Malaysia based on Visa/MasterCard’s prevailing foreign exchange rate along with an additional fee of 1% charged on the transaction.
    1 Hour Card Replacement Charges RM50.00
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