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

Save more and claim your RM350 Touch n Go eWallet credit when you apply and spend with the Citi Cash Back Card, Citi Cash Back Platinum Card, Citi Rewards Mastercard or the Citi PremierMiles Mastercard. Unlimited offer available!


*Terms & conditions apply, learn more here:

Exclusive Campaign by CompareHero

Product details



Plaza Premium Lounge Complimentary access per annum

6x per annum, refreshed yearly.

Plaza Premium Lounge Coverage of lounge access


Annual Fee Bonus Points

Offer period: 1 August 2020 onwards

Following bonus points will be credited when the card annual fee is charged and this applicable for principal and supplementary cards. Bonus reward points are given as bonus if customer pays for annual fee charged.

Credit card

Bonus points

Principal card

200, 000 points

Supplementary card

25,000 points

This feature is only available when there is annual fee charged. Example, for current acquisition campaign with 3 years annual fee waiver, this feature will not be available until the offer expires.

5X Rewards Points with no expiry date.

5X Rewards points at Taobao, Lazada and Amazon. T&C apply.

Visa Signature / World Mastercard Benefits

24/7 worldwide concierge

VIP privileges at luxury hotel

Exclusive golf privileges

    Overseas personal accident coverage

    RM50,000 personal accident coverage at overseas 

    Up to 30 days purchase protection

    Insured by Chubb Insurance Malaysia Bhd

      Exclusive Healthcare Privileges

      20% OFF Executive Screening Packages

      15% OFF walk-in hospital room rates

        Citi World Privileges

        Exclusive discounts for Citibank customers of up to 50% in Malaysia

        Exclusive discounts for Citibank customers at over 30 countries worldwide

        Citi Paylite

        Affordable instalments with zero processing fees for purchases at any merchant RM50 and above

        Convert purchases with ease using Citi Mobile® App.

        Citi FlexiBill

        Convert bills into monthly instalments

        Repayment period up to 60 months

        Convert bills with ease using Citi Mobile® App.

        Citi Quick Cash

        Upfront cash available up credit limit

        Repayment period up to 60 months

        No fees or documents required

          Good for Rewards/Offers
          5X Citi Rewards points for spend at Taobao, Lazada and Amazon.
          5X Citi Rewards Points for Overseas spend and at AEON, AEON BiG, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan, B.I.G Ben's Independent Grocer, Cold Storage, Everise, Giant, Jasons Food Hall, Jaya Grocer, Servay, Tesco, Village Grocer & many more
          1X Citi Rewards Points for Other spend
          Citi Rewards Points do not expire
          Unlimited access to Plaza Premium Lounge in KLIA
          Up to RM50,000 travel insurance
          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 activation
          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.

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          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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