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.
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.
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.
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
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
Period without Interest
Finance Charges for Purchase
15% p.a. to 18% p.a. on daily interest
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.