Citibank Choice Card
This everyday credit card from Citibank is the perfect shopping partner, be it groceries or utility bills, swipe with peace of mind of not being burdened with annual fees.
Citibank Choice Credit Card Benefits
The Citibank Choice Credit card is catered for everyday use. It saves the cardholder money by not charging annual fees. This free for life card earns points on all expenses except for petrol expenses. The card earns 50 reward points for every RM 50 spent on all retail expenses excluding petrol locally and overseas. These reward points have no expiry date and can be accumulated and redeemed for the latest electronic gadgets and appliances. Cardholders can avail exclusive dining and shopping privileges at over 1000 local and 24000 global outlets, boutiques, hotels and resorts.
Citibank Choice Credit Card Features
The features of the Citibank Choice Credit card are as follows
- The interest rate charged on this card is 15% p.a.
- The card has a 20 day interest free period
- The card has an Easy payment that converts large retail purchases into affordable monthly instalments of tenures ranging from 6 months to 36 months.
- The card has a Balance transfer plan with an available tenure of 9 months
- This primary card and supplementary card have no annual fees and are free for life
- The minimum monthly payment to be made is RM 50 or 5% of the outstanding amount.
- The card has a cash withdrawal fee of 5.3% of the cash withdrawn. Cash withdrawal limit for daily basis is RM 5000. Withdrawals attract an interest rate of 18% p.a.
- Cardholders can avail cash advances on their available credit limit at a reasonable rate
- Late payment penalty is 1% of the outstanding amount
Citibank Choice Credit Card Requirements or Eligibility
The eligibility criteria to apply for the Citibank Choice Credit card are as follows
- The minimum age of primary cardholder is 21 years of age
- The minimum age of supplementary cardholder is 18 years of age
- The minimum annual income required to apply for this card is RM 24,000
- Anybody with a source of income, either salaried or self-employed can apply for this card
Other Credit Cards Offered by Citibank
The other credit cards offered by Citibank are
- Citibank Cash Back Platinum
- Citibank Rewards Platinum
- Citibank Business Platinum
- Citibank AirAsia Gold Visa Card
- Citibank Shell Citi-gold credit card
- Citibank Platinum Credit card
- Citibank Clear Credit Card
- Citibank Giant-Citi credit card
- Citibank CitiBusiness Credit Card
- Citibank AirAsia Platinum Visa Card
Citibank Choice Credit Card Balance Transfer
The Citibank Choice Credit card offers balance transfer plans with repayment terms of 9 months. This balance transfer plan aims to provide the cardholder an effective mode of managing finances. The repayment terms have an interest rate of as low as 299% p.a. allowing cardholders to repay outstanding credit card dues with ease.
Citibank Choice Credit Card Review
The Citibank choice credit card is not just tailored for everyday use but is tailored as the perfect choice for as a first credit card for a fresh graduate or professional. The card is devoid of annual fees, it offers an affordable APR and the card earns points on every expense except for petrol. The card also offers easy payment plans and a balance transfer plan which aims at bringing the cost incurred by the cardholder down to a minimum.