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Citi Rewards Card

Citi Rewards Card

RM 5,000

Minimum monthly income

RM 600

Annual fee


Interest rate p.a


Balance transfer rate (fixed)

Special Offers

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Click Here for Terms and Conditions

Product details


    Citi World Privileges

    Discover great deals and discounts with your Citi credit card

    Citi Paylite

    Convert your retail transactions into monthly installments

    Citi FlexiBill

    Convert your outstanding balance into monthly installments

    Citi Quick Cash

    Instant cash to get things done right away

      Good for Rewards/Offers
      12X Rewards Points on e-Wallet & Online spend
      5X Rewards Points on Grocery & Overseas spend
      1X Rewards Points on Other spend
      Additional 125,000 Rewards Points per year when you spend RM48,000 and above
      Complimentary access to Plaza Premium Lounge (6X per year)
      Minimum monthly income RM 5,000
      Minimum age:
      Cardholder 21
      Supplementary Cardholder 18
      Fees & Charges
      Annual fee RM 600
      Waived for first 3-years upon approval
      Annual fee waiver No
      Late payment fee RM 10/1%
      1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
      Interest rate 15%
      Rate if settling minimum payment due for 12 consecutive months.
      Balance transfer rate (fixed) 5.32%
      24 months Balance Transfer via Instalment
      Document required to apply

      You will need to provide several documents such as (varies between different banks):

      For Malaysians:

      Salaried Employees:

      • Photocopy of MyKad (both sides)
      • Latest EPF statement OR Latest 2 months salary slip
      • AND any of the following where necessary:
      • 3 months bank statements
      • Latest EA Form
      • Latest BE Form with tax receipt


      • Photocopy of MyKad (both sides)
      • Photocopy of Business Registration Form
      • Latest Form B with tax receipt

      For Salaried Expatriates:

      • Copy of Passport
      • Latest 2 months' salary slip
      • Work permit valid for at least one (1) year at the time of application
      • Letter of employment

      Terms and Conditions

      For Citi Rewards Mastercard Terms and Conditions, click here.
      For Citi Credit Cards Terms and Conditions, click here.
      For Citi Credit Cards Fees and Charges, click here.

      Product review by

      The Citi Rewards Mastercard Credit Card allows you to earn reward points without an expiry date, on top of enjoying lifestyle privileges and more.

      Earn Citi Rewards points up to 5x with Citi Rewards Card

      When you utilize the Citi Rewards Card in Malaysia, you can earn up to 5 Citibank reward points for each RM1 spent in the participating departmental stores and supermarkets/hypermarkets.

      Category Citi Reward Points Maximum Amount Spent

      Departmental Stores: AEON, AEON Big, Robinsons, Metrojaya, Isetan, Marks & Spencer, Tangs, Parkson

      For every RM1 spent, 5 points will be earned

      < RM3,000 monthly


      Cold Storage, Jaya Grocer, Tesco, B.I.G Ben’s Independent Grocer, Village Grocer, Jasons Food Hall, Giant, Everise, Servay

      For every RM1 spent, 5 points will be earned

      < RM3,000 monthly


      For every RM1 spent, 1 point will be earned


      Note: If your monthly spending amount is above the maximum of RM3,000, you will earn 1 Citi Reward points for each RM1 spent.

      Enjoy travel rewards and earn Citi Rewards Points

      When you are travelling internationally, you could receive up to 6x complimentary passes to access the Plaza Premium Lounge and Fight Club located in KLIA and the Plaza Premium Lounges in KLIA2. You can bring along guests with you to the Plaza Premium Lounges, however, there is a fee involved which is 50% discount off the charges as long as they are at least 12 years old and above. The best thing about the complimentary access is that there is no limit on how many guests you can bring along, provided the payment for extra guests are made.

      Not only that, but you are also entitled to earn 5x Citi Reward Points as well when you perform international retail purchases.

      Category Citi Reward Points Maximum Amount Spent

      Any retail transactions in foreign currency (internationally)

      For each RM1 spent internationally, 5 points will be earned

      < RM24,000 yearly

      Note: If your yearly spending amount is above RM24,000 which is the yearly maximum, you will earn 1 Citi Reward points for each RM1 spent.

      Exclusive benefits with the Citi Rewards Mastercard

      Rewards aren’t the only thing you’ll get with the Citi Rewards Card.

      Healthcare privileges

      Health should be your number one priority. When you utilize the Citi Rewards Card in Malaysia at selected hospitals, you get to enjoy 20% OFF on Executive Screening Packages and 15% OFF hospital rooms when you walk-in, for rates starting from RM120 and above. 

      Though most of the KPJ Hospitals accept this card, it’s better to refer to this list for the complete participating hospitals in Malaysia.

      Insurance protection

      The Citi Rewards Mastercard offers up till RM50,000 24 hours personal accident coverage when you travel overseas, provided you charge all your travelling expenses including flight tickets to the card. 

      Aside from that, the Citi Rewards Card also offers purchase protection for your valuables up to 30 days and a maximum amount of RM10,000 per item or RM25,000 per occurrence. If you’re a regular shopper, this is extremely useful so you can shop with ease knowing your valuables are protected.

      Annual Bonus Citi Rewards Points

      You will be entitled to the following bonus Citi Rewards points whenever you renew your Citi Rewards Card upon payment of your annual fee. However, it is not applicable if your annual fee is waived.

      Cardholder Annual Bonus Citi Rewards Points

      Principal Card

      200,000 Rewards Points

      Supplementary Card

      25,000 Rewards Points

      Can't find what you're looking for? Read our article to find out the Best Citibank Credit Cards in Malaysia.


      Save more time and energy by applying for Citi Rewards Mastercard online with us at CompareHero. Just follow the two simple steps as instructed when submitting your application. You can also contact our customer heroes at +6012-3850211 if you have any further inquiries.

      To be eligible for the Citi Rewards Mastercard, you would have to be at least 21 years old and above for the principal card. For the supplementary card, you would have to be at least 18 years old or older. 

      The minimum income requirement is RM60,000 annually or RM5,000 monthly. 

      Yes, there will be an annual fee of RM600 for the principal cardholders, and RM150 if you are a supplementary cardholder. However, if you’re a new customer, you will not be charged for an annual fee for the first 3 years. 

      Aside from annual fees, if you perform your payments promptly from the 5% from the overall overdue balance or RM50 for 12 months continuously, you will only be charged 15% yearly. However, if you make late payments, you will be applicable to late charges, which is RM10 or 1% from the overall overdue balance, with a maximum cap of RM100. 

      • Up to 5x Citi Rewards Points for each RM1 spent at departmental stores or supermarkets/hypermarkets
      • 6x complimentary passes to access the Plaza Premium Lounge and Fight Club at KLIA and Plaza Premium Lounges at KLIA2
      • Insurance protection up til RM50,000 for any personal accidents when travelling overseas 
      • Health privileges at selected hospitals

      If you love shopping locally or international especially at department stores as well as buying groceries often, the Citi Rewards Mastercard will be beneficial for you. 

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