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    Citi Rewards Visa Signature Card

    Citi Rewards Visa Platinum Card offers rewards points on your everyday expenses such as shopping, dining, entertainment, fuel, home essentials and travel. Read further to know more about the rewards points and other benefits offered by this card.

    The main highlights of this card are:

    • Get 20,000 Rewards points by spending RM2,000 or more within 60 days from the date of approval.
    • Choose the spend categories according to your lifestyle.
    • Enjoy 2 categories for free in the first year.

    Best Suited For:

    • Those who spend a lot on shopping, entertainment and dining.
    • Those who drive long distances and spend a lot on fuel.
    • Those who shop for home essentials, groceries and home décor.

    Key Features and Benefits

    Feature/Benefit Description
    Rewards on shopping 5 Rewards points for every RM1.
    Rewards on entertainment/dining 5 Rewards points for every RM1.
    Rewards on fuel 5 Rewards points for every RM1.
    Rewards on home essentials 5 Rewards points for every RM1.
    Rewards on travel 5 Rewards points for every RM1.
    Citi Rewards points redemption Redeem at instant rewards merchant outlets or redeem for gifts, flight tickets and cash vouchers.
    Interest-free period 20 days.
      Accessibility Via Citibank Online, CitiPhone banking, ATMs and over-the-counter across the world.

    Other Benefits:

    • Transfer funds anytime via Citibank Online.
    • Set standing instructions to pay bills using the auto-bill payment feature.
    • Get e-Statements to keep track of your monthly expenses.
    • Access quick credits through ATMs worldwide.

    How to Earn Rewards Points

    Use your citi credit card for any local transactions to earn rewards points. Every earned point will be credited to your account instantly. Once you reach the threshold spend limit, the number of rewards points you earn will reduce. This table explains how rewards points are calculated.

    Category Rewards Points Earned per Ringgit Threshold Spend Amount Rewards Points Beyond Threshold Spend
    Shopping 5 RM12,000/year 1
    Entertainment 5 RM1,000/month 1
    Fuel 5 RM1,000/month None
    Home Essentials 5 RM1,000/month 1
    Travel 5 RM1,000/month 1

    Rewards points are not awarded for a monthly spend beyond RM1,000 on fuel.

    Balance Transfer Plan

    Transfer outstanding balance of your other credit cards to your Citibank Rewards Platinum card. The minimum amount to transfer is RM1,000.

    Tenure (months) Interest Rate (% p.a. flat) Effective Interest Rate (% 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

    Convert your purchases into affordable monthly instalments of up to 36 months. Opt for any plan with a minimum purchase amount of RM500.

    Tenure (months) Interest Rate (% p.a. flat) Effective Interest Rate (% 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

    Get access to quick funds in case of any emergency. Get funds within 3 days from the date of application. Repay it over a duration of 6 months to 48 months.

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

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Nationality Malaysians and Permanent Residents

    Documents Required

    Applicant Type Required Documents
    Salaried employees
    • A copy of both sides of MyKad/NRIC.
    • Latest EPF statement or the last 2 months’ salary slips.
    • Latest EA form, or
    • BE form with the tax payment receipt, or
    • Last 3 months’ bank statement.
    Self-employed individuals
    • A copy of both sides of MyKad/NRIC.
    • A copy of business registration certificate.
    • Last 6 months’ bank statement, or
    • Latest B form with the tax payment receipt.
    Salary-earning expatriates
    • A copy of passport.
    • Letter of Employment.
    • Last 2 months’ salary slips.
    • Work permit with a validity period of 6 or more months from the date of application.

    How to Apply

    You can apply for the Citi Rewards Visa Platinum online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Type of Fees Charges
    Annual Fee (Principal Card) RM106.00.
    Annual Fee (Supplementary Card) Free.
    Finance Charges 15% p.a. to 18% p.a.
    Cash Advance 18% p.a. (calculated on a daily basis).
    Cash Advance Fee RM21.20 or 5.3% of the cash withdrawn, whichever is higher.
    Monthly Repayment Instalment RM50 or 5% of the total outstanding balance, whichever is higher.
    Late Payment Fee 1% of the outstanding balance or a minimum amount of RM10, whichever is higher. It is capped at RM100.

    Promotions

    • Get 15% off at CB&TL Beverages between Monday and Friday. This offer is not available at HSBC Lebuh Ampang, KLIA Arrival Hall (MTB) and East Malaysia. This promotion ongoing until 31 December 2018.
    • Save 10% on shopping with a minimum spend of RM300 in a single receipt on weekends. The cap on total purchase amount is RM340,000. This offer is ongoing until 15 December 2018.
    • Enjoy a discount of 10% with Emirates on market rates for Flex Fare and Flex + Fare to all destinations except Jeddah and Medina. Also, enjoy a discount of 5% on market rates of Save Fare to all destinations except Jeddah. This offer is ongoing until 31 December 2018.

    FAQs

    Q. How can I subscribe for a category?

    A. You can subscribe to a rewards category using one of the following methods:

    • Citibank Online.
    • Citi Mobile app.
    • CitiPhone banking.

    Q. Should I pay additional charges to subscribe to a category?

    A. For the first year, you can enjoy rewards from two categories of your choice for free. Upon choosing each additional category, you must pay a subscription fee of RM106 per year.

    Q. What is the procedure to charge my purchase with the Rewards points?

    A. Pay with your card at the merchant outlet. Then, call CitiPhone banking service to request to pay for the purchase with the available rewards points.

    Q. How can I check the number of rewards points that I have accumulated?

    A. You can check the number of rewards points you have accumulated through:

    • Monthly card statement/e-Statement.
    • CitiPhone banking.
    • Citibank Mobile app.
    • Citibank Online.

    Q. When will the Rewards points get credited?

    A. The rewards points you earn will be credited to your account instantly .

    Spending on your favourite categories can be rewarding with the Citi Rewards Platinum card. Accumulate the rewards points to redeem gifts, vouchers and to pay your bills.

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