Apply For Citibank Credit Card Online
Citibank has been in Malaysia since 1959 and has more than 6,000 employees in 11 branches and three Citi Service Centers. They offer a wide selection of financial services including credit cards, personal loans, and various investment options.
List of the best Citibank Credit Cards in Malaysia
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| Citibank Credit Card | Min. annual income required | Annual fee for principal card | Annual fee for supplementary card | New customers |
| Citi PremierMiles Visa Signature | RM 100,000 | RM 600 | waived | waived for the first 3 years |
| Citi Rewards Visa Signature | RM 60,000 | RM 600 | RM 150 | waived for the first 3 years |
| Citi Cash Back Platinum | RM 60,000 | RM 195 | RM 100 | waived for the first 3 years |
| Citi Cash Back | RM 36,000 | RM 120 | RM 60 | waived for the first 3 years |
| Lazada Citi Platinum | RM 24,000 | RM 100 | RM 70 | waived for the first year |
| Citi Clear Card | RM 24,000 | RM 90 | RM 60 | waived for the first 3 years |
| Citi Simplicity+ | RM 24,000 | waived | waived | lifetime waiver |
- For Lazada Citi Platinum Card, subsequent years of annual fee are waived upon minimum spend of RM 15,000 per year. Spend accumulation of principal card & supplementary card are calculated separately, and will start after cardmembers' first statement cycle.
[last updated: 23 Dec 2019]
Features & Benefits
- earn 1 PremierMile for every RM3 spent locally
- earn 2 PremierMiles for every RM3 equivalent spent in foreign currencies and on selected online travel merchants (Airasia, CathayPacific, MalaysiaAirlines, SingaporeAir, Agoda, Airbnb, Expedia, Traveloka)
- get rewarded with 10,000 PremierMiles every year on your card anniversary upon annual fee payment
- PremierMiles never expire
Privileges - Unlimited complimentary access to Plaza Premium Lounges at
- Kuala Lumpur International Airport (KLIA1)
- Penang International Airport
- Kuching International Airport
- Kota Kinabalu International Airport
- Complimentary rides home from KLIA1 - shop overseas with your card for at least 3 times, redeem a free ride home at the Citi-Airport Limo Priority Booth B01 at KLIA1 (kindly present your sales slips, boarding pass and Citi PremierMiles card)
| Citi PremierMiles Visa Signature Benefits | Before 15 Jan 2020 | After 15 Jan 2020 |
| No. of Lounges | 4 | 39 |
| Complimentary Access | unlimited | 8X per calendar year only |
| Plaza Premium Lounge |
|
To see the full lounge listing, please click here |
Eligibility
- minimum income RM100,000 per annum
- age 21 years old or older (principal card member)
- age 18 or older (supplementary card member)
Fees & Charges
- Annual fee of RM600 for principal card (waived for new customers in the first 3 years)
- RM0 annual fee for supplementary card
- Annual service tax RM25 / card
- Interest rate - 15%
- Balance transfer rate - 9.99%
- Late payment fee - RM10 or 1% of the outstanding balance, whichever is the higher (capped at maximum of RM100)
Documents Required
| Category | Documents to prepare |
| Salaried Malaysians |
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| Self-employed Malaysians |
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| Salaried expats |
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[last updated: 23 Dec 2019]
Features & Benefits
- each RM1 you spend earns you 1 Citi Rewards point
- earn 5X Citi Rewards points on everyday spend at selected major departmental stores and supermarkets up to maximum spend of RM3,000 per biling cycle month
| Merchants | 5X Rewards points |
| Departmental stores |
|
| Supermarkets |
|
- earn 5X Citi Rewards points on overseas spend
- redeem purchases with your points
- redeem gift/items, vouchers, air miles, and annual fee with your points
- redeem instantly and use points to pay for shopping, dining, movie tickets and more
- reward points will never expire
Privileges
- complimentary, unlimited access to Plaza Premium Lounge in KLIA
Travel Protection
- RM50,000 overseas 24/7 personal accident coverage
- 30 days purchase protection up to maximum of RM10,000 per item or RM25,000 per occurrence
Healthcare Privileges
- 20% off executive screening packages at participating hospitals
- 15% off walk-in hospital room rates at participating hospitals
Exclusive Visa Signature Benefits
- 24/7 Visa Worldwide Concierge.
- VIP privileges from Visa Luxury Hotel Collection.
- 50% off green fees at participating golf clubs.
Eligibility:
- Minimum income requirement: RM60,000 per annum
- Principal card member: age 21 years old or more
- Supplementary card member: age 18 years old or more
Fees & Charges:
- Annual service tax - RM25
- Principal card annual fee - RM600 (new customers waived for the first 3 years)
- Supplementary card annual fee - RM150
- Interest rate - RM15%
- Balance transfer rate - 9.99%
- Late Payment Fee - RM10 or 1% of the outstanding balance, whichever is higher (capped to a maximum of RM100)
Documents required:
| Category | Documents to prepare |
| Salaried Malaysians |
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| Self-employed Malaysians |
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| Salaried expats |
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Features & Benefits
- Get up to 10% Cash Back on dining, groceries, petrol and Grab rides (capped at RM15 per category per billing month, when you accumulate monthly retail spend of RM1,500 or more)
- Get unlimited 0.2% cash back on all other retail spend (applicable when you accumulate monthly retail spend of below RM1,500 in a billing month )
- Cash Back will be automatically credited into your account
Eligibility
- Minimum income requirement - RM60,000 per annum
- Minimum age for principal cardmember - 21 years old and above
- Minimum age for supplementary cardmember - 18 years old and above
Fees & Charges
- Card annual fee for principal card - RM195 (waived for the first 3 years)
- Card annual fee for supplementary card - RM100
Documents required
| Category | Documents to prepare |
| Salaried Malaysians |
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| Self-employed Malaysians |
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| Salaried expats |
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Features & Benefits
- Get up to 10% Cash Back on dining, groceries, petrol and Grab rides (capped at RM10 per category per billing month, when you accumulate monthly retail spend of RM500 or more)
- Get unlimited 0.2% cash back on all other retail spend (applicable when you accumulate monthly retail spend of below RM500 in a billing month )
- Cash Back will be automatically credited into your account
Eligibility
- Minimum income requirement - RM36,000 per annum
- Minimum age for principal cardmember - 21 years old and above
- Minimum age for supplementary cardmember - 18 years old and above
Fees & Charges
- Card annual fee for principal card - RM120 (waived for the first 3 years)
- Card annual fee for supplementary card - RM60
Documents required
| Category | Documents to prepare |
| Salaried Employees Malaysians |
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| Self-employed Malaysians |
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| Salaried expats |
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Features & Benefits
- enjoy up to RM500 Lazada vouchers upon successful card application
- earn 10X rewards points on Lazada spends or Lazada Wallet top-up
- get 5X rewards points when you spend at selected lifestyle, travel and wellness partners
- earn 1X rewards points for other spend
- get 1000 monthly bonus points when you spend at least RM1,500 in a statement month
- you can use your Citi rewards points to offset your Lazada purchases
Strategic Partner Benefits
| Strategic Partners | Exclusive Benefits |
| Lazada | exclusive year-long discounts and offers + up to RM500 off selected beauty products each month |
| Lazada Wallet | top up Lazada Wallet and get additional wallet cashback value of up to 20% |
| Domino's Pizza | enjoy monthly special offers and discounts on selected items |
| Malindo Air | 25% off economy class fares on selected destinations |
| KLOOK | get 8% off tours and sightseeing + RM40 off if you spend at least RM200 |
| Frasers Hospitality | stay 3 nights and pay for 2 + complimentary room upgrade at participating Fraser Hospitality's properties |
| ClassPass | 10% off for 15, 30 and 50 credit plans for the first 6 months |
| Healthland | enjoy complimentary 30 min of Thai massage when you book a 60 min session |
Exclusive Sign Up Bonuses
| Sign Up Bonus | How It Works |
| RM500 Lazada vouchers | get up to RM500 Lazada vouchers with online straight through application and min spending of RM2,000 in 60 days; applications that are not completely done online entitles you to only RM300 worth of Lazada vouchers |
| RM10 Lazada Wallet - new users | get an additional RM10 when you top up a minimum of RM50, and save your Lazada Citi Platinum Card into your Lazada Wallet |
| RM10 Lazada Wallet - existing users | first 1,000 cardholders are entitled to get an additional RM10 on a monthly basis when you top up at least RM100 with your Lazada Citi Platinum Card into your Lazada Wallet |
Eligibility
- minimum income requirement - RM 24,000 (for Malaysians)
- principal cardmember age - 21 years old or more
- supplementary cardmember age - 18 years old or more
Fees & Charges
- annual fees - RM 100 (principal card, waived for the first year)
- annual fees - RM 70 (supplementary card, waived for the first year)
- subsequent years of annual fee are waived upon minimum spend of RM 15,000 per year. Spend accumulation of principal card & supplementary card are calculated separately, and will start after cardmembers' first statement cycle
Documents Required
| Category | Documents to prepare |
| Salaried Malaysians | compulsory
any of the following where necessary
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| Self-employed Malaysians |
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| Foreigners (Salaried expats) |
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Features & Benefits
- 3x Citi Rewards point at Borders, Sakae Shushi, GAP, Topman, G2000, Topshop, La Senza, Vincci & Zouk Club KL
- Earn 1 Citi Rewards point by every other RM1 that you spend
- 1-for-1 movie tickets at GSC and TGV cinemas (every Friday) with priority access (valid through GSC online website and GSC mobile app, or over-the-counter of respective TGV outlets)
- 1-for-1 drinks at Coffee Bean & Tea Leaf outlets (Monday to Friday), valid nationwide except HSBC Lebuh Ampang, KLIA Arrival Hall (MTB) and East Malaysia outlets, maximum of 1 complimentary drink per transaction per day
- redeem our exclusive gift/items, vouchers, air miles, and annual fee with your points
- instantly redeem your points to pay for shopping, dining, movie tickets and more
Eligibility
- Minimum age for principal card - 21 years old and above
- Minimum age for supplementary card - 18 years old and above
- Minimum income - RM24,000 per annum
Fees & Charges
- Annual fee for principal card - RM90 (new customers waived for first 3 years)
- Annual fee for supplementary card - RM60
- Annual service tax - RM25 / card
- Interest rate - 15%
- Balance transfer rate - 9.99%
- Late payment fee - RM10 or 1% of the outstanding balance, whichever is higher (capped at RM100)
Documents required:
| Category | Documents to prepare |
| Salaried Malaysians |
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| Self-employed Malaysians |
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| Salaried expats |
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Features & Benefits
- ZERO annual fee
- Get 10% interest back on your purchases & cash advances each month when you pay off the minimum monthly due amount on-time (interest back = rebates on finance charge)
- Rebates earned will be auto-credited and show up in your next statement
Eligibility
- Minimum age for principal cardholder - 21 years old and above
- Minimum age for supplementary cardholder - 18 years old and above
- Minimum annual salary - RM24,000
Fees & Charges
- Card annual fee - waived for life
- Annual service tax - RM25
- Interest rate - 15%
- Balance transfer rate - 9.99%
- Late payment fee - RM10 or 1% of the outstanding balance, whichever is higher (capped at RM100)
Documents required:
| Category | Documents to prepare |
| Salaried Malaysians |
|
| Self-employed Malaysians |
|
| Salaried expats |
|
Features & Benefits
- earn 1 PremierMile for every RM3 spent locally or every RM3 equivalent in foreign currencies spent overseas
- earn PremierMiles that never expire
Privileges
- Unlimited complimentary access to the following airport Plaza Premium Lounges:
- Kuala Lumpur International Airport (KLIA1)
- Penang International Airport
- Kuching International Airport
- Kota Kinabalu International Airport
| Travel Protection | Features |
| Flight delay coverage | up to RM2500 if you experienced delays of more than 4 hours or flight cancellation |
| Missed flight connection | up to RM2500 if you missed connecting flights lasting more than 4 hours |
| Baggage delay coverage | up to RM2500 if you face delays of longer than 6 hours when travelling overseas |
| Baggage loss coverage | up to RM12,000 if your luggage is lost or not delivered within 24 hours when travelling overseas |
| Damage to your baggage | coverage up to RM500 |
| Trip cancellation coverage | up to RM16,000 per trip or RM32,000 in aggregate per policy period |
| Wallet guard | up to RM500 for loss of wallet in the unfortunate event of a snatch theft or robbery |
| Overseas 24/7 personal accident coverage | covers you and your supplementary cardmember(s) for any personal accidents incurred while overseas, for up to RM300,000 for maximum of 30 days |
| Overseas medical expenses insurance | covers you and supplementary cardmember(s) for any medical costs incurred while overseas for up to RM50,000 |
| Loss of baggage and personal effects while oversea | you'll be covered up to RM12,000 if your baggage and/or personal effects taken or purchased while on a journey are lost or damaged |
| Home away burglary coverage | if your home is burgled while you are away, you are eligible to be reimbursed up to a maximum of RM15,000 per year |
| Emergency medical evacuation & repatriation of mortal remains | Up to RM75,000 for Critical Medical conditions that require medical evacuation while overseas |
| Compassionate visits | Up to RM5,000 for expenses incurred for accommodation, communication, travel, and meals when you suffer bodily injury or sickness that requires a caretaker while overseas |
Fees & Charges
- Annual service tax - RM25 for each principal and supplementary card
- Card annual fee - nil for both principal and supplementary card
- Citibank provides offshore financial services out of its office in Labuan, Malaysia and has in addition, strategic Citi Service Centers (CSC) providing centralized operations based in Kuala Lumpur, Penang and Johor Bahru.
- The Penang hub is the largest trade processing center in Citigroup globally and offers operations to support Citi's trade, cash management and commercial cards businesses covering over 100 countries with a corresponding network of 3,300 banks.
- Citibank credit cards in Malaysia provides customers an exciting world of offers, discounts, and benefits ranging from cashback, air miles, no annual fee, and privileges with partners worldwide.
- Citibank offers cards from Visa and Mastercard and whether it’s for shopping, traveling, dining, or entertainment, there are perks and benefits to be enjoyed.
- For rewards on your lifestyle spend opt for the Citi Clear Card that gives you 3x Citi rewards points at retail outlets including Topshop, Vincci and even Zouk Club. You can even enjoy 1-for-1 drinks at The Coffee Bean & Tea Leaf and 1-for-1 movie tickets every Friday at TGV and GSC. The Citi rewards points can also be converted for air miles.
- If you’re looking for double the rewards, you can even opt for co-branded cards like the AirAsia-Citi Gold Visa which doesn’t only reward you with Citi reward points, but also rewards you with AirAsia Points.
- Compare all Citibank credit cards today and apply on CompareHero
| Category | Citibank Credit Cards |
| Travel Cards | Citi PremierMiles American Express Card |
| Citi PremierMiles Visa Signature Card | |
| Reward Points Cards | Citi Prestige Card |
| Citi Rewards Visa Signature Card | |
| Citi Rewards World Mastercard Card | |
| Citi Gold Card | |
| Citi Clear Card | |
| Citi Choice Visa Card (not available) | |
| Lazada Citi Platinum Card | |
| Cash Rebate Cards | Citi Cash Back Card |
| Citi Cash Back Platinum Card | |
| Citi Simplicity+ Card | |
| Shell-Citi Credit Card (not available) | |
| Business Cards | Citi Business Signature Card |
| Citi Travel Account Card | |
| Citi Business Platinum Card | |
| Citi Business Credit Card |
Effective 7 November 2019, Citibank credit cards issued in Malaysia will no longer receive rewards points or cashback benefits for transactions made at merchants within the European Economic Area (EEA)
Affected transactions: All physical and e-commerce transactions made at merchants that are based in the EEA.
Affected Citibank cards:
- Citi Rewards Card
- Citi Rewards Platinum Card
- Citi Gold Card
- Citi Clear Card
- Citi Choice Card
- Citi CitiBusiness Card
- Citi Business Platinum Card
- Citi Cashback Card
- Citi Cashback Platinum Card
Not affected for:
- Citi PremierMiles
- Citi Prestige
Current member states of the EEA:
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, the UK, Iceland, Liechtenstein, and Norway
Citibank Credit Cards offer an exciting world of offers, discounts, and benefits that can help cardmembers experience the world at its fullest. Whether it’s shopping, traveling, dining, or entertainment, there are perks and benefits to be enjoyed. Their credit cards have year-round offers, partnerships with a variety of merchants and establishments all over the globe.
You can call our customer heroes at 012-385 0211 for a hassle-free application process, or apply online.
Citibank Credit
Card eligibility
- Be at least 21 years old ( and 18 years old for supplementary card holder).
- Earn minimum income of RM8333 or more depending on cards you choose.
- Earn 1 PremierMiles for every RM3 spent locally and 2 PremierMiles for every RM3 equivalent spent in foreign currencies and selected online travel merchants
- Enjoy unlimited access to selected Plaza Premium Lounges in Malaysia
- Receive a complimentary ride home from KLIA1 when you spend on your PremierMiles card overseas
- Get expert concierge service and access to exclusive events
- Enjoy unlimited airport lounge access and a complimentary night stay at any hotel worldwide
- Receive annual Relationship Bonus Points that corresponds with your length & depth of relationship with Citibank
- Earn 5X Citi Rewards points at major departmental stores and supermarkets
- Earn 5X Citi Rewards points on overseas spend
- Your Citi Rewards points never expire