With generous rebates on all your fuel purchases, the Shell Citi Gold Credit Card makes filling up on fuel worthwhile. You will get other benefits like free travel insurance coverage and balance transfer facility at affordable rates as well.
The Citibank FlexiPayment Plan converts your credit card purchases into equitable monthly instalments. This cost can be equally divided for up to a maximum duration of 36 months. The interest rate ranges from 9.99%p.a. to 10.57% p.a. There is no early termination fee charged for this feature. This plan applies to all merchants.
Citibank Balance Transfer Plan lets you combine your existing credit card debt and transfer it to your Citi card. The interest rate is 8.99% p.a. and there are no processing fees charged by the bank.
Citibank Dial For Cash gives you access to convenient cash with minimum hassle. The minimum loan amount is RM1,000. The maximum duration of the loan is 48 months. The bank will not charge any early termination fee for this plan.
Get a maximum of 8% cashback at all Shell petrol stations in Malaysia when you purchase fuel using the credit card. The more you spend on fuel, the more cashback you will receive. If you purchase fuel worth RM300 to RM999 a month you will receive a 4% rebate. If the amount is between RM1,000 to RM2499 the rebate will be 6%. If you spend more than RM2,500 using the card you will earn 8% cashback.
Obtain Citibank World Privileges that gives you access to exciting offers and discounts at more than 20,000 establishments around the world including restaurants, golf courses and more.
This card offers medical and healthcare benefits as well. You will get discounts for selected medical procedures and treatment at participating hospitals in Malaysia. This includes discounts on diagnostic packages and room fees. To get this benefit payment for medical expenses must be done through the card.
The minimum annual income of the cardholder must be RM24,000.
The minimum age for primary cardholder is 21 years.
The minimum age for secondary cardholder is 18 years.
Fees and Charges
Type of Fees
Annual Fee – Principal Card
RM206.70 (Including 6% GST)
Annual Fee - Supplementary Card
RM106 (Including 6% GST)
Max Credit Limit
Cash Advance Fee
5.3% of the amount advanced or RM21.20 whichever is higher
Late Payment Charges
1% of the balance outstanding due or a minimum of RM10 (whichever is higher) up to a maximum of RM100.
Overseas Transaction Fee
Transactions are converted using exchange rates set by Visa/MasterCard International. An additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international
Card Replacement Fees
Minimum monthly payment
5% of the outstanding balance or minimum of RM50, whichever is higher