Grab a credit card that gives you better rewards & more!

    Citi Rewards Card (Visa Signature & World Mastercard)

    Citi Rewards Card earns you rewards points throughout the year on all your spends, whether you’re at a local supermarket or in a retail store halfway around the world. You’ll also have exclusive access to the Visa Signature premium-level benefits programme.


    • With the Citi Rewards Visa Card, you can earn rewards points on all retail transactions made all-year round at selected major departmental stores, supermarkets, and hypermarkets. You can even earn rewards points for retail transactions made locally in other categories.
    • This credit card also earns rewards points on all overseas retail transactions.
    • The rewards points you earn with this credit card never expire. So, you can redeem your earned points for merchandise, air miles, or even hotel stays.
    • You can also convert your rewards points to pay for recent spends in selected categories. This way, you’ll be able to reduce the outstanding balance in your credit card account.
    • The maximum credit limit offered on this card is RM450,000.


    • You can earn 5x Citi Rewards points for every RM1 that you spend at selected major departmental stores, supermarkets, and hypermarkets, such as AEON, Marks & Spencer, Metrojaya, Giant, Jaya Grocer, Tesco, and Tangs among others.
    • The reward points earned are limited to a maximum spend of up to RM3,000 in a billing cycle month.
    • Additionally, you can earn 1x Rewards points for every RM1 that you spend locally in other categories.
    • You can also earn 5x Citi Rewards points for every RM1 that you spend while travelling overseas. The reward points earned on overseas retail transactions is limited to a maximum of RM24,000 per year.
    • You can enjoy a wide variety of exclusive services and privileges at the Plaza Premium Lounge in Kuala Lumpur International Airport. All you need for complimentary access to the lounge is your valid boarding pass and your Citi Rewards Visa Card.
    • As part of the Visa Signature Benefits plan, you get to experience VIP privileges from VISA luxury hotels. You also get 50% off on green fees at participating golf clubs.
    • This credit card even offers 24-hour overseas personal accident coverage of up to RM50,000 when you purchase airfare solely using the card.
    • The card gives you access to a range of deals at over 24,000 establishments across the world.
    • You can get up to 20% off on executive screening packages and up to 15% off on walk-in hospital room rates at select hospitals.

    Eligibility Criteria

    • The principal cardholder should be at least 21 years of age.
    • The supplementary cardholder should be at least 18 years of age.
    • The principal cardholder should have a minimum income for Visa Signature is RM60,000 p.a.
    • The principal cardholder should have a minimum income for World Mastercard is RM90,000 p.a.

    Fees and Charges

    Types of Fees Charges
    Annual fees for the principal card RM636 (Including 6% GST)
    Annual fees for the supplementary card RM159 (Including 6% GST)
    Interest-free period 20 days from the statement date, provided you pay the full outstanding balance in the credit card account on or before the due date.
    Minimum monthly repayment RM50 or 5% of the total outstanding balance, whichever is higher.
    Finance charge on purchases 15% p.a. to 18% p.a.
    Cash advance fee 5.3% of the total cash withdrawn or a minimum of RM21.20, whichever is higher.
    Finance charge on cash advance 18% p.a.
    Late payment charges A minimum of RM10 or 1% of the outstanding balance that’s due, whichever is higher. The maximum limit for late payment charges is RM100.
    Overseas transaction conversion fee All overseas transactions are converted to Malaysian Ringgit with US Dollars as the base currency using an exchange rate that’s determined by Citibank and/or the payment network on the day the transaction is posted and a 1% foreign exchange conversion charge is imposed on the converted amount.
    Card replacement fee RM50.
    Sales draft retrieval RM21.20 per copy.
    Over limit fees RM26.50 will be charged when the total outstanding balance exceeds the credit limit.
    Copy of monthly statement RM5.30 per statement.
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