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    Shell-Citi Credit Card

    BBazaar Exclusive Deals for Credit Card

    Enjoy a Free PETRON Gift Voucher of RM 400 & Touch 'N' Go Card of RM100

    **Click Here to Check Terms & Condition

    Get a Free PETRON Gift Voucher of RM 200 & Touch 'N' Go Card of RM50

    **Click Here to Check Terms & Condition

    Shell-Citi Gold Credit Card offers cash rebate when you spend on Shell fuel at any Shell Station in Malaysia. This card can also be used for other retail purchases such as dining, travel, groceries and bill payments.

    The main highlights of this card are:

    • Get cash rebate when you spend on Shell fuel.
    • Enjoy complimentary annual fee for the first year.

    Best Suited For:

    • Those who regularly spend on Shell fuel.

    Key Features and Benefits

    Feature/Benefit Description
    Cash rebate 8%.
    Interest-free period 20 days.
    Healthcare 20% discount on Executive Screening Packages and 15% discount on walk-in hospital rates at 20 participating hospitals.
    Accessibility Citibank Online, CitiPhone banking, ATMs and at all branches across the globe.

    Other Benefits

    • Set standing instructions to pay bills automatically every month.
    • Transfer funds anytime via Citibank Online.
    • Keep a watch on your monthly expenses with e-Statements.
    • Get access to cash anytime and anywhere via an ATM.

    How to Earn Cash Rebate

    Cash rebates are offered on a tiered structure. The cash rebate you earn varies with your spend amount.

    Total Monthly Spend Amount Cash Rebate Maximum Monthly Spend Amount
    RM300-RM999 4% RM250
    RM1,000-RM2,499 6% RM500
    RM2,500 or more 8% RM800

    The monthly total spend amount in the table includes the total expenses on all the categories. However, cash rebates can be earned only up to a specified maximum amount per month.

    Balance Transfer Plan

    Transfer your outstanding dues on other card to a low interest-rate plan. The minimum amount to transfer is RM1,000.

    Tenure (months) Interest Rate (flat) Effective Interest Rate
    6 5.81% p.a. 9.9% p.a.
    9 5.56% p.a.
    12 5.44% p.a.
    18 5.35% p.a.
    24 5.32% p.a.
    30 5.32% p.a.
    36 5.33% p.a.

    FlexiPayment Plan

    Split your purchases into monthly instalments through this plan. The tenure offered ranges from 6 months to 36 months. The minimum bill amount must be RM500 or more.

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


    Get cash whenever you want through this feature. Get cash within 3 days from the date of application.

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

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Minimum Annual Income Requirement RM24,000

    Documents Required

    Applicant type Required documents
    Salaried employees
    • Copy of MyKad (both sides).
    • Latest EPF statement or Salary Slips (last 2 months).
    • Latest EA form, or
    • BE form (with the tax payment receipt) or
    • Last 3 months’ bank statement.
    Self-employed individuals
    • Copy of MyKad (both sides).
    • Copy of business registration certificate.
    • Last 6 months’ bank statement, or
    • Latest B Form with the tax payment receipt.
    Salary-earning expatriates
    • Photocopy of passport.
    • Letter of Employment.
    • Last 2 months’ salary slips.
    • Work permit with a validity of minimum 6 months from the date of application.

    How to Apply

    You can apply for the Shell-Citi Credit Card online at easily by providing your personal and financial details.

    Fees and Charges

    Type of Fees Charges
    Annual Fee for Principal Card RM206.70.
    Annual Fee for Supplementary Card RM106.00.
    Finance Charges 15% p.a. to 18% p.a.
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee RM21.20 or 5.3% of the withdrawn cash (whichever is higher).
    Monthly Repayment Requirement RM50 or 5% of the total outstanding dues (whichever is higher).
    Late Payment Charges RM10 or 1% of the outstanding balance (whichever is higher).
    Overseas Transaction Fee Exchange rates offered by Visa International plus additional 1% administration cost.


    • Save 10% off on normal priced merchandise at BebeButterfly. This offer is applicable for a minimum purchase of RM30 in a single receipt. This offer is valid until 31 December 2018.
    • Get 25% off on a La Carte menu at Café Rasa located in Jalan Bukit Bintang, Kuala Lumpur. It is applicable only on dine-in orders. This  offer is valid until 31 July 2018. .
    • Enjoy 10% savings on non-electronic accessories at Erafone outlets. This offer is valid until 31 December 2018.

    FAQs on Shell-Citi Gold Credit Card

    Q. Are there any terms and conditions attached to the annual fee waiver?

    A. Yes. You have to swipe the card for at least 3 times within the first 60 days from the date of approval to get a waiver on the annual fee.

    Q. What is the maximum credit limit offered on this card?

    A. The maximum credit limit on this card is RM450,000.

    Q. How long does it take for the bank to contact me after I apply for the card?

    A. Once you submit the online application, the bank will contact you by the next business day.

    Q. What are the payment methods available for monthly instalments?

    A. The payment methods available for monthly instalments are:

    • Citibank Online.
    • Automatic Direct Debit.
    • Funds Transfer.
    • CitiPhone Banking.

    Q. Should I submit any documents to apply for Dial-For-Cash facility?

    A. No. You need not submit any documents to apply for the Dial-For-Cash facility.

    Get cash rebates on your fuel purchases and use it to purchase more fuel. Earn points on other retail purchases as well. Use your Shell-Citi Gold Credit Card to buy groceries, grab some entertainment and dine at your favourite restaurants across Malaysia.

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