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    Citi Clear Card

    Citi Clear Card earns you rewards points on selected shopping outlets, restaurants, and clubs in the country. The card also earns you rewards points on all other retail purchases made on it.

    Here are the key highlights of this card:

    • Earn 3x Citi Rewards Points on purchases made at participating shopping and dining outlets.
    • Earn 1x Citi Rewards Points with all other retail purchases.

    Best Suited for

    • Those who shop at the selected participating outlets.

    Key Features and Benefits

    Features/Benefits Description
    Annual fee waiver With 3 swipes in the first 60 days of card approval
    Credit limit Up to 2.5 times your monthly income
    Rewards at Borders 3x Citi Rewards Points
    Rewards at GAP 3x Citi Rewards Points
    Rewards at G2000 3x Citi Rewards Points
    Rewards at Vincci 3x Citi Rewards Points
    Rewards at Topman 3x Citi Rewards Points
    Rewards at Topshop 3x Citi Rewards Points
    Rewards at Sakae Sushi 3x Citi Rewards Points
    Rewards at La Senza 3x Citi Rewards Points
    Rewards at Zouk Club KL 3x Citi Rewards Points
    Rewards with other retail purchases 1x Citi Rewards Points
    Treats at CBTL 1-for-1 drinks on weekdays
    Citibank privileges Up to 50% discount at more than 24,000 dining, shopping, travel, and leisure establishments.
    Cinema privileges 1-for-1 movie tickets at major cinemas across the nation on Fridays

    Other Benefits

    • Redeem Citi Rewards Points to get gifts.
    • Use your Citi Rewards Points to pay for your purchase at more than 3000 merchants outlets.
    • Get instant cash via more than 1,600,000 ATMs across the globe.
    • Use your card to carry out retail transactions at more than 30 million establishments in more than 120 countries.
    • Get your lost, damaged or stolen card replaced within a span of 1 hour.

    How to Earn Rewards Points

    Use your Citi Clear Card to make purchases at partnering outlets to carry out any other retail transaction and earn Citi Rewards Points with every other retail transaction. Let’s look at the rate of rewards points earning with this card:

    Category Rewards Points Rate
    Vincci 3x Citi Rewards Points
    La Senza 3x Citi Rewards Points
    Topshop 3x Citi Rewards Points
    Borders 3x Citi Rewards Points
    Topman 3x Citi Rewards Points
    Sakae Sushi 3x Citi Rewards Points
    G2000 3x Citi Rewards Points
    Zouk Club KL 3x Citi Rewards Points
    GAP 3x Citi Rewards Points
    Other retail purchases 1x Citi Rewards Points

    Balance Transfer Plan

    Your Citi card helps you consolidate your existing debts with the use of the balance transfer facility. This feature lets you transfer outstanding balances of RM1,000 or more from other banks’ cards onto your Citi card. You can make repayments over a period of 3 years. Here is the detailed description of this facility:

    Available Repayment Tenures (in months) Flat Rate of Interest (p.a.) Effective Rate of Interest (p.a.)
    6 5.81% 9.9%
    9 5.56%
    12 5.44%
    18 5.35%
    24 5.32%
    30 5.32%
    36 5.33%

    FlexiPayment Plan

    You can pay the bill of the purchases made using your Citi card in the form of easy and affordable monthly instalments with the use of the FlexiPayment Plan. This plan allows you to make repayments over a duration of 3 years with competitive rates of interest that are given in the table below:

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

    Dial-For-Cash

    Your Citi card can also provide you with a financial flexibility with the help of the Dial-For-Cash facility. This facility provides you with funds within 72 hours of the application. You can make the repayment for the plan over a period of 4 years. Here are the details of this scheme:

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

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Annual income requirement RM24,000

    Documents Required

    Applicant type Required documents
    Salary-earning applicants
    • 1 photocopy of MyKad.
    • EPF statement – latest.
    • Photocopies of the last 2 months’ salary slips.
    • EA form - latest, or
    • BE form with a valid receipt of payment - latest, or
    • Bank statements for the 3 recent months.
    Self-employed applicants
    • 1 photocopy of MyKad.
    • 1 photocopy of Business Registration form.
    • Bank statements for the 6 recent months, or
    • B form with a valid tax payment receipt - latest.
    Salary-earning expatriates
    • 1 photocopy of passport.
    • Employment letter.
    • Salary slips for the 2 recent months.
    • Work permit that is valid for a minimum of 6 months at the time of application.

    How to Apply

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

    Fees and Charges

    Type of Fees Charges
    Annual fee (principal card) RM95.40.
    Annual fee (supplementary card) RM63.60.
    Retail interest rate 15% p.a. to 18% p.a. depending upon the pattern of repayment during the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee 5.3% of the cash amount withdrawn or an amount of RM21.20, whichever is higher.
    Monthly repayment instalment 5% of the current outstanding balance or a minimum of RM50, whichever is higher.
    Late payment charges 1% of the total outstanding balance or a minimum of RM10, whichever is higher (capped at RM100).
    Overseas transaction fee All the foreign currency transactions you complete using this card will be first converted into Malaysian Ringgit according to the conversion rate of Mastercard/Visa International plus 1% administration cost charged by the bank.

    Promotions

    • Get up to 10% discount with a minimum spend of RM180 at Hermo with your Citi card. This is an ongoing promotional offer that is valid till 31 December 2018.
    • Book hotel rooms via Zen Rooms and get a discount of 15% on bookings done using your Citi card. You can enjoy this promotional offer till 31 October 2018.
    • Book domestic and international flights via Airpaz and get a discount of 5%. The offer is valid for a selected range of flights and will be in action till 31 December 2018.

    FAQs on Citi Clear Card

    Q. What is the validity period of Citi Rewards Points?

    A. Citi Rewards Points come with a lifetime validity.

    Q. Can I earn Citi Rewards Points with every retail transaction completed using Citi Clear Card?

    A. You can earn Citi Reward Points on every retail transaction except:

    • Cash advances
    • Annual fee payment
    • Other fees and charges payment
    • Transactions associated to Dial-For-Cash, FlexiPayment Plan, and balance transfer facility
    • Payment of government service taxes
    • Payment of any tax imposed by the law
    • Petrol purchases

    Q. Can I convert the Citi Rewards Points earned with retail transactions into cash?

    A. No, you can’t convert the Citi Rewards Points into cash.

    Q. What should I do if I lose my card?

    A. You should contact the bank immediately in such cases in order to prevent any fraudulent activity.

    Q. Will I be liable for the transactions made on my stolen card?

    A. Once you report your lost card to the bank, you will not be held liable for any transaction.

    Q. How can I keep a track of the expenses made on my card?

    A. You can access your account via Citibank Mobile, Citibank Online, and electronic statements.

    Citi Clear Card provides you with a high rate of rewards points earning rate at participating merchant outlets. The card also earns you rewards points on all other retail transactions. It has a low income requirement and comes with a low annual fee. You can also access cash, pay bills, and consolidate debts using this card.

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