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    Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card lets you earn Air Miles at a high rate with all local and overseas retail purchases. This card allows you to choose from more than 90 airline partners for your Air Miles redemption, and earns you Bonus Miles for every anniversary of the card.

    Major highlights of the card are as follows:

    • Earn 2 PremierMiles with every RM3 spent in foreign currency at participating online travel merchants.
    • Earn 1 PremierMile with every RM3 spent on local retail purchases.

    Best Suited For:

    • Those who travel internationally on a regular basis.

    Key Features and Benefits

    Feature/Benefit Description
    Annual Fee RM636 (Can be redeemed with 30,000 PremierMiles)
    PremierMiles on Local Expenses 1 PremierMile per RM3
    PremierMiles on Foreign Expenses 2 PremierMiles per RM3
    PremierMiles with Online Travel Merchants 2 PremierMiles per RM3 spent on Airasia.com, MalaysiaAirlines.com, SingaporeAir.com, CathayPacific.com, Airbnb.com, Agoda.com, Expedia.com & Traveloka.com
    Bonus PremierMiles Get 10,000 PremierMiles every year when you pay the card’s annual fee
    Conversion of PremierMiles 1,500 PremierMiles = 1,000 Air Miles of the partnering airline
    Redemption of PremierMiles At over 90 airline partners including Enrich, Asia Miles, KrisFlyer, Etihad Airways & Qatar Airways
    Airport Lounge Access Unlimited access to selected Plaza Premium Lounges across the country
    Complimentary Travel Insurance Coverage of up to RM300,000
    Complimentary Limousine Rides Use the card 3 times overseas to get a complimentary Limousine ride home from KLIA1

    Other Benefits:

    • The PremierMiles earned on your card never expire.
    • Use PremierMiles to make retail purchases at partner Instant Rewards merchants.
    • Get discounts of up to 45% on dining at selected restaurants across Malaysia.
    • Enjoy multiple benefits at more than 900 luxury hotels all around the world.
    • Get up to 30% off on green fees at 30 Golf clubs across Malaysia, Singapore, Thailand, Vietnam, Indonesia, Cambodia, Brunei, and Philippines.
    • Get discounted deals on dining, shopping and traveling with Citi World Privileges.

    How to Earn Air Miles

    Use your card for local purchases, online purchases at partnering merchants, and overseas transactions to earn PremierMiles. Convert the PremierMiles earned into Air Miles of your preferred airline partner. Take a look at the rate at which you can earn PremierMiles with this card:

    Category PremierMile Rate PremierMiles to Air Miles Rate
    Local transactions RM3 = 1 PremierMile 1,500 PremierMiles = 1,000 Air Miles
    Overseas transactions in foreign currencies RM3 = 2 PremierMiles
    Online transactions at partnering online merchants RM3 = 2 PremierMiles

    Balance Transfer Plan

    The balance transfer plan allows you to consolidate debts by transferring outstanding balances from your other bank’s credit card on to your Citi card. This plan offers a wide range of tenure to choose. The minimum transfer amount is RM1,000. The following table contains the details of this plan:

    Tenure Flat Interest Rate (p.a.) Effective Interest Rate (p.a.)
    6 months 5.81% 9.9%
    9 months 5.56% 9.9%
    12 months 5.44% 9.9%
    18 months 5.35% 9.9%
    24 months 5.32% 9.9%
    30 months 5.32% 9.9%
    36 months 5.33% 9.9%

    FlexiPayment Plan

    This Citi card lets you pay the bills of your purchases at selected merchant outlets in the form of affordable monthly instalments. This facility comes with a repayment tenure of up to 36 months. The minimum amount that can be split into instalments under this plan is RM500. The details of this plan is contained in the following table:

    Tenure Interest Rate (flat) Effective Interest Rate (p.a.)
    6 months 10.57% p.a. 17.9%
    12 months 9.96% p.a. 17.9%
    18 months 9.84% p.a. 17.9%
    24 months 9.85% p.a. 17.9%
    30 months 9.91% p.a. 17.9%
    36 months 9.99% p.a. 17.9%

    Dial-For-Cash

    Access quick cash from your Citi card via the Dial-For-Cash facility. This convenient scheme helps you get funds within 3 days from the date of application. The repayment tenure starts from 6 months to maximum 48 months. Here are the details of this plan:

    Tenures of the scheme Flat Interest Rate Effective Interest Rate (p.a.)
    6 months 10.57% p.a. 17.9% p.a.
    12 months 9.96% p.a. 17.9% p.a.
    18 months 9.84% p.a. 17.9% p.a.
    24 months 9.85% p.a. 17.9% p.a.
    30 months 9.91% p.a. 17.9% p.a.
    36 months 9.99% p.a. 17.9% p.a.
    48 months 10.19% p.a. 17.9% p.a.

    Eligibility Criteria

    Principal card age requirement 21 years
    Supplementary card age requirement 18 years
    Income Requirement RM100,000 p.a.

    Documents Required

    Applicant type Required documents
    Applicant type Required documents
    Salaried employees
    • 1 copy of MyKad
    • Pay slips for the last 2 months, or
    • Latest EPF statement
    • Latest BE form with tax payment receipt, or
    • Latest EA form, or
    • Bank statement for 3 months (most recent)
    Self-employed individuals
    • 1 copy of MyKad
    • 1 copy of Business Registration form
    • Latest B form with tax payment receipt, or
    • Bank statement for 6 recent months
    Salary-earning expatriates
    • 1 copy of passport.
    • Employment letter
    • Work permit that is valid for a minimum of 6 months at the time of application
    • Pay slips for the last 2 months

    How to Apply

    You can apply for the Citi PremierMiles Visa Card online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Type of Fees Charges
    Annual fee (principal card) RM636.
    Annual fee (supplementary card) No charge.
    Retail interest rate 15% p.a. to 18% p.a. depending upon the repayment pattern in the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee 5.3% of the withdrawn cash or a minimum of RM21.20, whichever is higher.
    Monthly repayment instalment 5% of the total outstanding balance subject to a minimum amount of RM50.
    Late payment charges 1% of the outstanding balance or RM10, whichever is higher (Max. RM100).
    Overseas transaction fee All the overseas transactions completed using foreign currencies will be converted into Malaysian Ringgit according to Visa International in addition to an administration cost of 1% charged by Citibank.

    Promotions

    • Get up to 30% off with Borderlinx using your Citi credit card. This is an ongoing offer until 31 December 2018.
    • Get up to 15% off on all rooms via Zen Rooms online or mobile app bookings. This offer is valid until 31 October 2018.
    • Get up to 10% off on hotel room rates at Hotel Thailand when you book your stay using your Citi card before 31 December 2018.

    FAQs

    Q. What is the interest-free period with this card?

    A. You get an interest-free period of 20 days with your Citi card.

    Q. What happens if I exceed the dedicated limit on my credit card?

    A. In such cases, you will be charged an overlimit fee of RM26.50.

    Q. How do I track the actions performed on my Citi card?

    A. You can keep a track of your expenses via Citibank online and mobile banking.

    Q. What is the validity of the PremierMiles earned on my card?

    A. The PremierMiles earned on your Citi card never expire.

    Q. Can I earn PremierMiles with every transaction performed on my Citi PremierMiles Visa Card?

    A. You can earn PremierMiles on all retail transactions except:

    • Petrol purchases
    • Cash advances
    • Balance Transfer
    • Dial-For-Cash
    • Flexi Payment Plan
    • Easy Payment Plan
    • GST or other fees and charges

    Q. Can I combine the PremierMiles earned on my supplementary card and principal card?

    A. Yes, you can combine the PremierMiles earned on both the cards.

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