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

    Citi Choice Credit Card

    BBazaar Exclusive Deals for Credit Card

    Enjoy a Free PETRON Gift Voucher of RM 400 & Touch 'N' Go Card of RM100

    **Click Here to Check Terms & Condition

    Get a Free PETRON Gift Voucher of RM 200 & Touch 'N' Go Card of RM50

    **Click Here to Check Terms & Condition

    The Citibank Choice Credit Card is a card suitable for everyday use. The card earns reward points with every expense charged to it that can be redeemed for exciting gifts. The card also comes with a balance transfer plan that allows cardholders to consolidate outstanding balances accrued on other bank credit cards and effectively manage their finances.


    • The annual fee of the card for both principal and supplementary cards are waived. The card is free for life.
    • The card earns Citi Reward points on every expense charged to it.
    • The cardholder can combine their monthly household bills onto the card and choose to make all payments on one date.
    • The card enjoys worldwide recognition and is accepted at over 30 million establishments across 120 countries.
    • The card has an automated alert facility which sends SMS alerts to the cardholder on their registered mobile number anytime the card is in use.


    • The cardholder can enjoy zero liability on their lost cards. If the lost or stolen credit card is reported to Citibank at the earliest, the cardholders will have zero liability against any unauthorised transaction.
    • Cardholders can receive a replacement card within 1 hour if their card is lost or stolen.
    • The cardholder can get access to the Citibank World privileges service which gives exciting deals and discounts at over 1,000 local and 24,000 global boutiques, restaurants, and hotels.
    • The card earns 50 Citi rewards points on every RM50 charged to the card. The points earned do not expire and can be redeemed for exciting gifts from select merchant outlets.
    • The card comes with a Citibank Credit Shield Premier that provides a critical Illness cover for over 36 different critical illnesses and protects the outstanding balance on the card. The cover charges a premium of only RM0.69 a month for every RM100 of the monthly outstanding balance.
    • The card is equipped with a balance transfer plan that offers an interest rate of 8.99% p.a. for a tenure of 12 months.

    Eligibility Criteria

    Applicants must meet the following criteria to avail this card:

    • The principal cardholder must have attained a minimum of 21 years of age.
    • The supplementary cardholder must have attained a minimum of 18 years of age.

    Fees and Charges

    Type of Fees Charges
    Annual fees – Principal card Free for life
    Annual fees – Supplementary card Free for life
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever amount is greater.
    Interest-free period 20 days.
    Finance charge on purchases 15% p.a. when cardholders make prompt minimum payments for 12 consecutive months. 17% p.a. when cardholders make 10 or more payments on time in a 12-month period and cardholders who do not fall under either category are charged 18% p.a.
    Finance charge on cash advance 18% p.a.
    Overseas transactions Transactions are converted into Malaysian Ringgit and a fee of 0.848% is charged on the converted transaction.
    Cash withdrawal fee The higher amount between RM21.20 or 5.3% of the amount withdrawn.
    Late payment charges The higher amount between 1% of the outstanding balance or RM10 with the fee being capped to RM100.
    Card replacement fee RM50 for replacements.
    Sales Draft retrieval RM21.20 for every copy
    Overlimit fee RM26.50 per month
    Copy of monthly statement RM5.30
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