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    Citibank Rewards Credit Cards

    Citibank offers you a number of credit cards depending upon your requirements. This includes rewards cards, cashback cards, and travel cards. These cards earn you rewards points with every transaction completed with their use. Let’s take a look at the rewards cards offered by Citibank.

    Types of Citibank Rewards Credit Cards

    Citi Prestige Card

    Citi Prestige Card earns you rewards points with all retail transactions, Relationship Bonus Points depending upon your banking relationship with Citibank, and offers you a host of travel deals. Here are the benefits of this card:

    Features/Benefits Description
    Rewards with local purchases 1 Citi Rewards point per RM1 spent.
    Rewards with purchases made in foreign currencies 2 Citi Rewards points per RM1 equivalent spent.
    Relationship Bonus Points Up to 40% points on the basis of your relationship duration with the bank.

    Your Citi Prestige Card offers you a range of travel, shopping, and lifestyle deals all around the globe. Here are some of the benefits of this card:

    • Enjoy unlimited complimentary access to 800 international airport lounges with this card.
    • Get the finest deals on shopping and dining with Citi World Privileges.
    • Get a complimentary travel insurance coverage of USD1 million.
    • Get a complimentary 4-night or more hotel stay.
    • Enjoy an unlimited access to internet with the help of more than 1 million hotspots located globally.
    • Enjoy complimentary access to exclusive events like musical events, fashion shows, movie premieres, etc.
    • Get 1-for-1 Gold Class ticket at Golden Screen Cinemas with your card.
    • Accumulate Citi Rewards Points to redeem vouchers and gifts from Citibank Rewards Catalogue.
    • Use your Citi Rewards Points to make retail purchases.

    Citi Rewards Card

    Citi Rewards Card comes with two variants - Citi Rewards Visa Signature card and Citi Rewards World Mastercard. The card earns you rewards points with purchases made overseas and at major departmental stores and supermarkets.

    Retail Transactions Rewards Points
    Shopping at participating departmental stores 5x Citi Rewards Points
    Shopping at participating supermarkets 5x Citi Rewards Points
    Purchases made overseas 5x Citi Rewards Points
    Other retail transaction 1x Citi Rewards Points

    Use your Citi Rewards Card to get rewards points at departmental store purchases and for transactions at a number of major supermarkets and hypermarkets. You can also enjoy these following benefits with your card:

    • Use your Citi Rewards Points to offset your outstanding credit card balance.
    • Enjoy VIP privileges at a number of Visa luxury hotels with Visa Signature card and selected luxury hotel collection with your World Mastercard.
    • Access cash at over 500,000 Visa globally.
    • Enjoy Citi World Privileges at over 24,000 participating outlets around the world.
    • Enjoy preferential treatment with Citi Rewards dedicated priority line.
    • Enjoy a range of exclusive golf privileges.

    Citi Rewards Platinum Card

    Earn rewards points with every retail transaction related to shopping, driving, entertainment, travel, and much more with Citi Rewards Platinum Card. Here are the details of the benefits associated with this card:

    Retail Transaction Rewards Points
    Shopping 5x Citi Rewards Points
    Petrol 5x Citi Rewards Points
    Home Essentials Purchases 5x Citi Rewards Points
    Travel 5x Citi Rewards Points
    Entertainment 5x Citi Rewards Points

    Citi Rewards Platinum Card can earn you rewards points as well as can help you get gifts and redeem air tickets. Here are the benefits of this card:

    • Access quick funds anytime via ATMs all around the world.
    • Use your points to get discounted flight tickets, gifts, and cash vouchers.
    • Keep track of your monthly expenses via e-statements.
    • Offset the bills of your purchase using your Citi Rewards Points.

    Citi Gold Card

    Citi Gold Card helps you earn rewards points with every purchase made at major supermarkets and departmental stores. The card also offers you discounts on multiple categories of transactions. Here are the benefits of the card:

    Retail Transactions Rewards Points
    Shopping at participating departmental stores 3x Citi Rewards Points
    Shopping at participating supermarkets 3x Citi Rewards Points

    Citi Gold Card earns you rewards points with supermarket and departmental store purchases. You can also enjoy the following benefits with this card:

    • Redeem vouchers and air miles with the rewards points earned on your card.
    • Get up to 20% discount on healthcare packages.
    • Obtain discounts of up to 50% at more than 24,000 dining, shopping, travel, and golf outlets.

    Citi Clear Card

    Citi Clear Card earns you rewards points on shopping and dining at partnering outlets. The card also offers you rewards points with all other retail purchases.

    Retail Transaction Rewards Points
    Purchases made at Borders 3x Citi Rewards Points
    Purchases made at GAP 3x Citi Rewards Points
    Purchases made at G2000 3x Citi Rewards Points
    Purchases made at Vincci 3x Citi Rewards Points
    Purchases made at Topman 3x Citi Rewards Points
    Purchases made at Topshop 3x Citi Rewards Points
    Purchases made at Sakae Sushi 3x Citi Rewards Points
    Purchases made at La Senza 3x Citi Rewards Points
    Purchases made at Zouk Club KL 3x Citi Rewards Points
    All Other Retail Purchases 1x Citi Rewards Points

    Citi Clear Card earns you Citi Rewards Points on a range of selected restaurants, shopping outlets, and clubs across the nation. Here are the benefits you can enjoy with this card:

    • Get an annual fee waiver for the first year with 3 swipes in the first 60 days from the approval date.
    • Get 1-for-1 drinks at CBTL during weekdays.
    • Get 1-for-1 movie tickets at major cinemas across the nation during Fridays.
    • Enjoy discounts of up to 50% at over 24,000 travel, dining, shopping, and leisure establishments.
    • Use rewards points to get gifts and make payment for your purchases.
    • Get access to quick funds via at over 1.6 million ATMs around the world.
    • Get replacement for your lost, damaged, or stolen card within 1 hour.

    Citi Choice Card

    Citi Choice Card gives you rewards points with all retail transactions made on it. You can use these points to redeem gifts. Let’s look at how much points you can get with purchase made using this card:

    Retail Transaction Rewards Points
    Every Retail Transaction 50 Citi Rewards Points per RM50 spent

    Earn rewards points and benefit from a range of exclusive privileges with your Citi Choice Credit Card. The following are the benefits you can enjoy with this card:

    • Enjoy a lifetime annual fee waiver.
    • Get discounts at 1,000 local and 24,000 global retail outlets, hotels, restaurants, boutiques, and more.
    • Use your card at more than 30 million establishments in more than 120 countries.

    How Does Citibank Rewards Credit Card Work?

    Let’s take a look at few illustrations to understand the working principle of your Citibank Rewards Card:

    Citi Prestige Card Amount Spent Overseas Amount Spent Locally Total Banking Relationship with Citibank Total Rewards Points Earned
    RM2,000 RM2,000 12 years 7,200 Citi Rewards Points
    Rewards Earned 4,000 Citi Rewards Points 2,000 Citi Rewards Points 20% of 6,000 = 1,200 Citi Rewards Points

    Here’s another example describing the working principle of Citi Rewards Visa Signature Card:

    Citi Rewards Visa Signature Card Amount Spent at Departmental Stores Amount Spent at Supermarkets Amount Spent Overseas Amount Spent on All Other Retail Purchases Total Rewards Points Earned
    RM800 RM600 RM1,000 RM2,000 13,000 Citi Rewards Points
    Rewards Earned 4,000 Citi Rewards Points 3,000 Citi Rewards Points 5,000 Citi Rewards Points 2,000 Citi Rewards Points

    Fees and Charges

    Factors Fee
    Annual Fee (principal card) Citi Prestige Card: RM1,000.
    Citi Rewards Card: RM600.
    Citi Rewards Platinum Card: RM100.
    Citi Gold Card: RM195.
    Citi Clear Card: RM90.
    Citi Choice Card: No charge.
    Annual Fee (supplementary card) Citi Prestige Card: No charge.
    Citi Rewards Card: RM150.
    Citi Rewards Platinum Card: No charge.
    Citi Gold Card: RM100.
    Citi Clear Card: RM60.
    Citi Choice Card: No charge.
    Retail Interest Rate 15% p.a. to 18% p.a.
    Cash Withdrawal Fee For Citi Prestige Card: No charge.
    For all other cards: 5% of the cash amount or RM20, whichever is higher.
    Cash Advance Interest Rate 18% p.a.
    Late Payment Fee For Citi Prestige Card: No charge.
    For all other cards: RM10 or 1% of the outstanding balance (maximum of RM100).
    Minimum Monthly Payment 5% of the outstanding balance or RM50, whichever is higher.

    Eligibility Criteria

    Name of the Card Who Can Apply Age Requirement for Principal Card Age Requirement for Supplementary Card Income Requirement
    Citi Prestige Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more RM200,000 p.a.
    Citi Rewards Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more Visa Signature: RM60,000 p.a.
    World Mastercard: RM90,000 p.a.
    Citi Rewards Platinum Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more -
    Citi Gold Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more -
    Citi Clear Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more RM24,000 p.a.
    Citi Choice Card Malaysian citizens and expatriates working in Malaysia 21 years or more 18 years or more -

    Documents Required

    Applicant type Required documents
    Applicant type Required documents
    Salary-earning individuals A copy of MyKad (both sides) and one of the following documents:
    • Last 2 months’ pay slips.
    • Bank statement for the 3 recent months.
    • Latest EPF statement.
    • Latest EA form.
    • Latest BE form with tax payment receipt.
    Self-employed individuals
    • One copy of MyKad (both sides).
    • One copy of the Business Registration form.
    • Bank statements for last 6 months, or
    • Latest B form with tax payment receipt.
    Salary-earning expatriates
    • One copy of passport.
    • Work permit that is valid for 6 or more months at the application date.
    • Employment letter.
    • Copies of salary slips for the last 2 months.

    Applying for Citibank Rewards Credit Card

    Apply for your choice of Citibank Rewards Card online conveniently at BBazaar.my. All you have to do is provide your personal and financial details to get your card approved.

    Citibank Rewards cards can help you earn Citi Rewards Points against a range of retail transactions. You can use these points to get gifts, vouchers, and to offset your purchase bills. You can choose to get the card that suits your requirements the best on the basis of your shopping habits and routine. It is highly recommended for you to take in account the fees, charges, and interest rates associated with these cards before selecting your perfect card.

    FAQs on Citibank Rewards Credit Cards

    Q. What is the validity period of the Citi Rewards Points I earn with my Citi Rewards cards?

    A. Citi Rewards Points earned with retail purchases never expire. You can accumulate these points to redeem gifts and vouchers as well as to reduce your credit card bill without having to worry about the validity period.

    Q. What are the charges I have to bear if I cross the limit assigned to my credit card?

    A. Citi Prestige Card comes with no over limit fee, whereas all other Citi Rewards cards come with an over limit fee of RM25.

    Q. What is the maximum number of retail categories I can get rewards points on with my Citi Rewards Platinum Card? Is there a charge I need to bear if I choose more than the minimum amount of categories?

    A. You can choose a minimum of 2 and a maximum of 5 categories from the following retail transaction categories to earn rewards points:

    • Home essentials
    • Petrol
    • Dining
    • Travel
    • Entertainment

    You will be charged with a fee of RM100 per category subscription.

    Q. Is there a limit on the amount of rewards points I can earn with my Citi Rewards Platinum Card?

    A. Yes, for all the transactions related to travel, you can get rewards points against the first RM12,000 spent per year. Whereas, for all other categories, the maximum amount that can earn you rewards points is RM1,000 per month.

    Q. Can supplementary cardholders earn the rewards points with the purchases made using their card too?

    A. Yes, both principal and supplementary cardholders can earn rewards points with the retail transactions made using their cards.

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