Citi Rewards Card
RM 5,000
Minimum monthly income
RM 600
Annual fee
15%
Interest rate p.a
5.32%
Balance transfer rate (fixed)
*Terms & conditions apply, learn more here: bit.ly/CompareHeroCCPromo
Exclusive Campaign by CompareHero
Citi Rewards Card
RM 5,000
Minimum monthly income
RM 600
Annual fee
15%
Interest rate p.a
5.32%
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: bit.ly/CompareHeroCCPromo
Exclusive Campaign by CompareHero
Product details
Product details
Benefits
Offer | |||||||
Plaza Premium Lounge Complimentary access per annum | 6x per annum, refreshed yearly. | ||||||
Plaza Premium Lounge Coverage of lounge access | KLIA1 and KLIA2 | ||||||
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.
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
Features
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
Eligibility
| 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 |
| 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 |
| 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
Self-employed
- 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 |
Supermarkets: 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 |
Others |
For every RM1 spent, 1 point will be earned |
Uncapped |
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.
FAQs
FAQs
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.
