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    Citi Prestige Card

    Citi Prestige Card earns you rewards points on all the retail purchases. Earn Relationship Bonus Points on your annual spend based on the duration of your relationship with the bank. Apart from this, enjoy a wide range of travel privileges and multiple services across the globe with this card.

    Here are the major highlights of this card:

    • Earn 1 Citi Rewards Point for every RM1 spent locally, and 2 Citi Rewards Points for every RM1 equivalent spent in foreign currency.
    • Earn up to 40% Relationship Bonus Points with your card.

    Best Suited For:

    • Citibank’s existing customers.
    • Those who shop locally and overseas.
    • Those who travel on a regular basis.

    Key Features and Benefits

    Feature/Benefit Description
    Rewards on local purchases 1 Citi Rewards Point per RM1 spent.
    Rewards on purchases in foreign currencies 2 Citi Rewards Point per RM1 equivalent spent.
    Relationship Bonus Points Up to 40% Points depending upon the duration of relationship with Citibank.
    Airport Lounge Access Unlimited airport lounge access at more than 800 airports around the world.
    Complimentary Limousine Ride Complimentary ride home from Kuala Lumpur International Airport.
    Global Assistance and Services Services from Citi Prestige Concierge, Citi Prestige Priority Line, Citibank mobile app, and Citibank Online.
    Citi World Privileges Shopping and dining deals around the world.
    Travel Insurance Complimentary travel insurance coverage of up to USD1 million.

    Other Benefits:

    • Get complimentary hotel stay with a minimum of consecutive 4-night stay.
    • Get access to exclusive events such as fashion shows, musical concerts and movie premieres.
    • Get 1-for-1 gold class tickets at the Golden Screen Cinemas.
    • Get unlimited access to internet via over 1 million hotspots located all around the globe.
    • Accumulate Citi Rewards Points to redeem them for gifts and vouchers from Citibank Rewards Catalogue.
    • Make purchases with the Citi Rewards Points.

    How to Earn Rewards

    Earn Citi Rewards Points with every retail transaction completed using your Citi Credit Card. This table explains how you can earn rewards points on your Citi Prestige card:

    Type of Purchase Rewards Rate
    Local purchases 1 Citi Rewards Point per RM1
    Purchases made using foreign currencies 2 Citi Rewards Points per RM1

    Refer to the table below to get the details of Relationship Bonus Program:

    Relationship duration with Citibank Relationship Bonus Points
    1 to 3 years 5%
    4 to 6 years 10%
    7 to 9 years 15%
    10 years and above 20%

    Balance Transfer Plan

    With your Citi credit card, you can consolidate your existing debts into one with the use of balance transfer plan. You can transfer outstanding balances on to your Citi card from your credit cards from other banks. Transfer a minimum of RM1,000 and enjoy a lower rate of repayment with this facility. Let’s look at the details of this plan and interest rates associated with it:

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

    FlexiPayment Plan

    Make a purchase using your Citi credit card and convert it into monthly instalments according to your repayment capacity with the FlexiPayment Plan. You can split bills of RM500 and above into monthly instalments with this scheme. Take a look at the interest rates and tenure available with this plan:

    Tenure Flat Rate of Interest Effective Interest Rate
    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.

    0% Easy Pay Plan

    You can split the bill of your purchase at partner merchants into instalments of up to 36 months. Look out for a “Citibank 0% Easy Pay” sign on the display at the merchant to obtain this facility. Here are the details of this plan:

    Tenure Minimum Amount Interest Rate Merchant Outlets
    3 to 36 months RM500 0% Over 1,000 merchants nationwide

    Dial-For-Cash

    With Dial-For-Cash facility, you can get access to funds quickly. Get funds within 3 days of the application, and repay the bank over a period of 48 months. The following are the details of this facility:

    Repayment tenure Flat Rate of Interest Effective Interest Rate
    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

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Income Requirement RM200,000 p.a.

    Documents Required

    Applicant type Required documents
    Salary-earning individuals
    • A copy of MyKad (both sides).
    • Last 2 months’ pay slips, or
    • Latest EPF statement.
    • Latest EA form, or
    • Latest BE form with tax payment receipt, or
    • Last 3 months’ bank statement.
    Self-employed individuals
    • A copy of MyKad (both sides).
    • A copy of Business Registration form.
    • Latest B form with tax payment receipt, or
    • Last 6 months’ bank statement.
    Salary-earning expatriates
    • A copy of Passport.
    • Last 2 months’ pay slips.
    • Letter of Employment.
    • Work permit that is valid for 6 months or more at the time of application.

    How to Apply

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

    Fees and Charges

    Type of Fees Charges
    Annual fee (principal card) RM1,060.
    Annual fee (supplementary card) No charge.
    Retail interest rate 15% p.a. to 18% p.a. on the basis of repayment pattern over the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee No charge.
    Monthly repayment instalment 5% of the total outstanding amount, subject to a minimum of RM50.
    Late payment charges No charge.
    Overseas transaction fee Overseas transactions carried out in foreign currencies will be converted into Malaysian Ringgit according to Mastercard International plus 1% foreign exchange conversion mark-up by Citibank.

    Promotions

    • Get 10% off on Hertz Car Rentals in Asia with your Citi credit card. This is an ongoing promotional offer until 31 December 2018.
    • Save up to 6% on your total bill at Reebonz by using coupon code of MCMY6 with in-store and online shopping. This promotion is ongoing until 31 December 2018.
    • Get a discount of 8% on first room bookings via Hotel.com with your Citi card. This offer is ongoing until 31 December 2018.

    FAQs

    Q. What are the charges I have to bear if I exceed the credit limit on my card?

    A. You don’t have to pay any over-limit fee with your Citi Prestige Card.

    Q. Does this card come with an interest-free period?

    A. Yes, this card comes with a 20-day interest-free period

    Q. What is the validity of the Citi Rewards Points I earn with all retail purchases?

    A. The Citi Rewards Points come with no expiry date.

    Q. How can I contact the bank if I have a query related to my card’s usage when I’m traveling abroad?

    A. You can contact the bank regarding any query via its 24/7 Citi Prestige Priority Line at +603-2383 1010.

    Q. Can I modify the credit limit assigned to my card?

    A. Yes, you can increase or decrease the credit limit on your card by requesting the bank for the same and submitting your recent income documents.

    The Citi Prestige card offers you privileged access to exclusive events and offers around the world. It also offers multiple benefits such as purchase protection on goods, e-commerce protection on online purchases and reimbursement for loss of your wallet. This card doubles both as a rewards and a travel card.

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