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    Citi Rewards World MasterCard

    With the Citi Rewards World Mastercard Credit Card, you stand to earn Citi Rewards Points on all your daily spends. The points you collect over time can be used to offset a recent purchase or even your outstanding balance.

    The major highlights of this card are:

    • Earn 5X Citi Rewards Points with every retail transaction made at major hypermarkets, supermarkets, and departmental stores.
    • Earn 5X Citi Rewards Points with every overseas purchase you make using this card.

    Best Suited for

    • Those who shop at local departmental stores, supermarkets, and hypermarkets.
    • Those who make overseas purchases.

    Key Features and Benefits

    Feature/Benefit Description
    Rewards at Participating Supermarkets 5x Citi Rewards Points
    Rewards at Participating Departmental Stores 5x Citi Rewards Points
    Rewards with Overseas Purchases 5x Citi Rewards Points
    Rewards with Other Retail Purchases 1x Citi Rewards Points
    Airport Lounge Access Complimentary access to Plaza Premium Lounge at KLIA1.
    Travel Insurance Coverage Complimentary personal accident coverage of up to RM50,000 when you travel overseas.
    Healthcare Privileges 20% off Executive Screening Packages and 15% off walk-in room rates at participating KPJ hospitals.
    Concierge Services 24/7 World Mastercard concierge services.

    Other Benefits

    • Redeem your Citi Rewards Points and offset the outstanding balance on your Citi credit card.
    • Enjoy VIP privileges at selected luxury hotels and destination travel offers.
    • Get access to instant cash anywhere in the world at over 500,000 ATMs.
    • Enjoy exclusive golfing privileges.
    • Get exclusive benefits at over 24,000 participating outlets around the world with Citi World Privileges.
    • Enjoy preferential treatment when you get in touch with Citibank through the Citi Rewards dedicated priority line.
    • Eligible purchases made with your Citi Rewards World Mastercard are protected up to RM10,000 per item or RM25,000 per occurrence in case of theft, accidental loss, or damage.

    How Do You Earn Citi Rewards Points?

    You can earn Citi Rewards Points on everyday purchases made using your Citi Rewards World Mastercard Credit Card. Just use your card to make payments at hypermarkets, departmental stores, and supermarkets and earn points with every transaction.

    Here is the rate at which you can earn Citi Rewards Points with this card:

    Category Rewards Details
    Overseas Purchases 5x Citi Rewards Points
    Supermarket/Hypermarket Purchases 5x Citi Rewards Points
    Departmental Store Purchases 5x Citi Rewards Points
    Other retail purchases 1x Citi Rewards Points

    Balance Transfer Plan

    With the Balance Transfer facility, you can transfer outstanding balances of RM1,000 or more on other banks’ credit cards to your Citi credit card. This way, you’ll be able to consolidate your debt and while being able to manage your future finances better.

    The Balance Transfer plan comes with flexible repayment tenures that can go up to 36 months. Here are the details of this facility:

    Available Repayment Periods Interest Rate (flat rate p.a.) Effective Interest Rate (EIR)
    6 months 5.81% 9.9% p.a.
    9 months 5.56%
    12 months 5.44%
    18 months 5.35%
    24 months 5.32%
    30 months 5.32%
    36 months 5.33%

    FlexiPayment Plan

    The FlexiPayment Plan feature of your Citi credit card lets you split retail purchases worth RM500 or more into affordable monthly instalments. The repayment tenure for the plan can be extended up to 36 months. Please find the details of this plan in the following table:

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

    Dial-For-Cash

    The Dial-For-Cash feature of your Citi credit card allows you to access funds at your convenience in case of an emergency. You can get cash within 3 days of the application date and repay the amount to the bank over a maximum duration of 48 months.

    Here are all the details of the Dial-For-Cash feature:

    Available Repayment Periods Flat Rate of Interest (p.a.) Effective Interest Rate (EIR) (p.a.)
    6 months 10.57% 17.9%
    12 months 9.96%
    18 months 9.84%
    24 months 9.85%
    30 months 9.91%
    36 months 9.99%
    48 months 10.19%

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Minimum Income requirement RM90,000 p.a.

    Documents Required

    Applicant type Required documents
    Salaried professionals
    • MyKad – 1 copy.
    • Pay slips – For 2 recent months, or
    • Latest EPF statement.
    • Latest BE form with tax payment receipt, or
    • Latest EA form, or
    • Last 3 months’ bank statement.
    Self-employed individuals
    • MyKad – 1 copy.
    • Business Registration form – 1 copy.
    • Bank statements – For last 6 months, or
    • Latest B form with tax payment receipt.
    Salaried expatriates
    • Passport – 1 copy.
    • Salary slips – Last 2 months.
    • Work permit that’s valid for a minimum of 6 months at the time of application.
    • Letter of employment.

    How to Apply?

    You can apply for the Citi Rewards World MasterCard online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Type of Fees Charges
    Annual fees (principal card) RM636.
    Annual fee (supplementary card) RM159.
    Retail interest rate 15% p.a. to 18% p.a. depending on your repayment behaviour over the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee 5.3% of the cash advance amount or RM21.20, whichever is higher.
    Monthly repayment instalment 5% of the total outstanding balance or a minimum of RM50, whichever is higher.
    Late payment charges 1% of the total amount due or RM10, whichever is higher. This charge is capped at RM100.
    Overseas transaction fee All overseas transactions carried out in foreign currencies will be converted into Malaysian Ringgit according to Mastercard International’s or Citi’s exchange rate. There’s a 1% foreign exchange conversion markup charged by Citibank.

    Promotions

    • Make online purchases at Zalora and get a discount of up to 15% with a minimum purchase worth RM120. This offer is valid until 28 February 2019.
    • Enjoy 10% off market fares for Flex Fare at Emirates with your Citi credit card. This offer is valid until 31 December 2018.
    • Get a discount of 12% on all fitness packages offered by Ministry of Burn. This offer is valid until 5 April 2019.

    FAQs on Citi Rewards World MasterCard

    Q. Are there any exclusions from retail transactions that do not qualify for earning Citi Rewards Points?

    A. Yes, the following transactions do not qualify for any reward points:

    • Purchases of petrol.
    • Payment of fees and charges like annual fee, late payment fee, and cash withdrawal fee etc.
    • Transactions involving repayment of facilities like FlexiPayment Plan, Dial-For-Cash, and balance transfer.
    • Any other fee payment or government tax payment.
    • Government services.

    Q. How many rewards points can I earn on a monthly basis?

    A. You can earn rewards points for a maximum spend of RM3,000 on local transactions and RM24,000 on overseas transactions.

    Q. What is the minimum amount I need to spend per transaction to earn rewards points?

    A. You can earn rewards points with every transaction of RM200 or more.

    Q. What is the validity of Citi Rewards Points?

    A. The Citi Rewards Points you earn with retail purchases never expire.

    Q. What are the ways through which I can keep a track on the expenses made on my card?

    A. You can track your card expenses via Citibank Online and CitiPhone Banking.

    Q. What is the interest-free period for the Citi Rewards World Mastercard?

    A. The interest-free period associated with this credit card is 20 days.

    Q. Can I exceed the credit limit assigned to my Citi Rewards World Mastercard?

    A. Yes, you can exceed the credit limit on your card. All you need to do is pay an over-limit fee of RM26.50. You can choose to increase the credit limit of your card temporarily or permanently by submitting the latest income documents as proof of your increased income.

    As the name suggests, the Citi Rewards World Mastercard is high on benefits. Now, you can earn reward points on your daily spends made at supermarkets, hypermarkets, and departmental stores. That’s not all. For enhanced financial flexibility, you can even choose to increase your credit limit.

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