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Citi Rewards Credit Card (Visa Signature / World Mastercard)

Citi Rewards Credit Card (Visa Signature / World Mastercard)

 

  • 5X Rewards points on everyday spend
  • 5X Rewards points on overseas spend
  • Redeem merchandise, air miles, hotel stays, or pay for purchases with points that never expire.
  • Travel Cashback: 5X Citi Rewards points for every RM1 spent overseas
  • Groceries Cashback: 5X Rewards points for every RM1 spent at major departmental stores and supermarkets/hypermarkets
  • Shoping Cashback: 1X Rewards points for every RM1 spent locally for all other categories
Minimum Monthly Income
Minimum Monthly Income

RM 5

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

9.99% p.a for 12 months

Annual Fee
Annual Fee

RM 600.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Rewards
  • 5X Citi Rewards points for every RM1 spent at major departmental stores and supermarkets/hypermarkets*. 

    SELECTED MERCHANTS
    Departmental stores
    AEON, AEON Big | Marks & Spencer | Metrojaya | Parkson | Robinsons | Tangs | Isetan

    Supermarkets
    B.I.G Ben's Independent Grocer | Cold Storage | Everise | Giant | Jasons Food Hall | Jaya Grocer | Servay | Tesco | Village Grocer

 

  • 1X Citi Rewards points for every RM1 spent locally for all other categories**.
  • Convert your points to pay for recent purchases in selected categories to reduce your credit card balance via Citibank Online.

 

Balance Transfer
  • Flexible monthly instalment tenure of 6, 9, 12, 18, 24, 30 or 36 months
  • Flat Interest Rate between 5.32% - 5.81% p.a. which is equivalent to Effective Interest Rate (EIR) of 9.9% p.a.

Citibank Balance Transfer via instalment

Tenure (Month) 6 9 12 18 24 30 36
Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Flat interest rate equivalent by tenure 5.81% 5.56% 5.44% 5.35% 5.32% 5.32% 5.33%
Monthly Repayment (RM) 171.52 115.75 87.87 60.02 46.10 37.77 32.23

 

 

  • Flexible monthly repayments with a minimum 5% monthly repayment of total outstanding balances.
  • Effective interest rate of 8.99% p.a. for 12 months (equivalent to monthly interest rate of 0.749%).

Citibank Balance Transfer

Outstanding Balance (RM)

Normal Finance Charge at

18% p.a. for 12 months (RM)*

Balance Transfer at

8.99% p.a. for 12 months

(RM)**

    You PAY You SAVE
4,000 594 286 308
8,000 1188 572 616

Important Notes :

* Accumulated amount of interest charges incurred in a total of 12 months based on 18%p.a. with a 5% monthly payment on due date.

** Accumulated amount of interest charges incurred in a total of 12 months based on 8.99% p.a. for 12 months.

Travel

COMPLIMENTARY ACCESS TO PLAZA PREMIUM LOUNGE

  • Present your Citi Rewards Card and a valid boarding pass for complimentary access to the Plaza Premium Lounge in Kuala Lumpur International Airport with a variety of services and facilities at your disposal.

 

UP TO RM50,000 OVERSEAS 24 HOURS PERSONAL ACCIDENT COVERAGE

  • Covers you and your supplementary cardmember(s) for any personal accidents incurred while overseas, when you charge your travel ticket to your Citi Rewards Card.


PURCHASE PROTECTION

  • Eligible purchases on your Citi Rewards Card are protected for 30 days up to maximum RM10,000 per item / RM25,000 per occurrence. An Excess of 50% of the loss subject to a minimum of RM75 is applied in respect of accidental loss or damage including theft (other than burglary, robbery and hold-up) from the total loss payable to the cardmember.
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months and new cardmembers

 

Premium
EXCLUSIVE HEALTHCARE PRIVILEGE
  • 20% discount on all established Executive Screening Packages (excluding medical officers and specialists' consultation fees)
  • 15% discount on all walk-in hospital room rates (only from RM120.00 and above)
FEES & CHARGES
Annual fee RM 600.00
Annual fee for suplementary card RM 150.00
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% of the unpaid outstanding balance or a minimum of RM10, whichever is greater, up to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% per annum daily interest
Balance transfer interest rate 9.99% p.a for 12 months
Balance transfer max valid duration Up to 36 months
Balance transfer early settlement penalty Full settlement has to be made

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