Citi Clear Credit Card

    The Citibank Clear Visa Credit Card offers cardholders a high degree of convenience and flexibility when it comes to managing their finances. They can make use of a balance transfer plan to consolidate outstanding balances accrued on other bank credit cards and also make larger retail purchases with ease using the FlexiPayment Plan.


    • The annual fee of the card for the first year is waived when the cardholder makes 3 transactions on the card within the first 60 days of receiving it.
    • The card offers a high credit limit with limits going up to 2.5 times the monthly salary of the cardholder.
    • Cardholders get a FlexiPayment Plan which allows them to convert large retail purchases into smaller, more affordable monthly instalments.
    • The card earns Citi Rewards points on every expense charged to it which can be redeemed for a wide range of exciting gifts.
    • The card is equipped with a balance transfer plan that allows cardholders to consolidate outstanding balances on other bank credit cards onto the Citi Clear Card.


    • The cardholder can access their account on the go with online banking, mobile banking, receive electronic statements, and instant alerts via SMS whenever the card is in use.
    • The cardholders get access to exciting deals and discounts of up to 50% at over 24,000 establishments across the globe. The offers include dining, shopping, and travel offers.
    • Cardholders can earn Citi Rewards points on every expense charged to the card. The points earned do not expire and can be redeemed for exciting gifts. The points can also be redeemed for instant cash at participating merchant outlets at a rate of 400 Citi Rewards points for RM1.
    • The card is equipped with an EMV-compliant smart chip which makes online transactions secure. The card also comes with a zero liability feature wherein if the card is stolen and is reported by the cardholder on time, they will have zero liability towards fraudulent transactions carried out on the lost or stolen card.
    • Stolen or lost credit cards can also receive a replacement card within 1 hour.

    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.
    • The minimum annual income required for this card is RM24,000.

    Fees and charges

    Type of Fees Charges
    Annual fees – Principal card RM95.40 (waived for first year when the card is used for 3 transactions within 60 days from date of receiving it) which includes 6% GST
    Annual fees – Supplementary card RM63.60
    Minimum monthly repayment The higher amount between 5% of the outstanding balance or RM50.
    Interest-free period 20 days.
    Finance charge on purchases Cardholders are charged 15% p.a. when they make prompt minimum payments for 12 consecutive months. Cardholders are charged 17% p.a. when they make 10 or more payments on time in a 12-month period and cardholders who do not belong to either category are charged 18% p.a.
    Finance charge on cash advance 18% p.a.
    Overseas transactions A fee of 0.848% on the overseas transaction that is converted to Malaysian Ringgit.
    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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