AirAsia-Citi Gold Visa credit card

AirAsia-Citi Gold Visa

Perks in the air and on the ground - a world of privilege awaits. Earn 2X AirAsia Points and complimentary in-flight amenities with your favourite low cost carrier.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 4.87% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM180.00 annual fee
  • Earn up to 2x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Collect up to as many as 2 AirAsia Points for every RM1 spent on local and overseas retail purchases (except petrol) to redeem great deals. Exchange your AirAsia Points to redeem a whole range of prizes from the Citibank Rewards Program catalogue or convert them to BIG Points and enjoy free flights with AirAsia!
AirAsia Points
1 point on every RM1on the first RM500 charged to your card
1.5 points on every RM1on expenses above RM501 up to RM2,499
2 points on every RM1on expenses RM2,500 and above
Rewards points earned never expires
Balance Transfer
Transfer outstanding debt to your Citibank credit card and enjoy low interest of 0.99% interest over a 6-month payment term.
Pay OverWith Interest Rate AtWhen You Transfer
12 months4.87% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Easy Payment Plan (EPP)
Citibank Flexi Payment Plan offers payment terms of 6 to 36 months on any retail purchases at interest rates from 9.90%. Zero interest instalment on purchases at participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
48 months0% one-time upfront handling feefrom RM500 
Learn more about Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feefrom RM500 
12 months9.96% p.a. and no one-time upfront handling feefrom RM500 
18 months9.84% p.a. and no one-time upfront handling feefrom RM500 
24 months9.85% p.a. and no one-time upfront handling feefrom RM500 
30 months9.91% p.a. and no one-time upfront handling feefrom RM500 
36 months9.99% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Privileges include: In-flight meals, seat choice, low fares and more. Get first choice and go to the front of the queue on all AirAsia sales.
30% discount on medical screenings and 15% off all walk-in hospital room rates at selected KPJ hospitals.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians and Permanent Residents


Get some extra help from your credit card when you need it most

Easy Payment Plan
Citibank Easy Pay Plan
Citibank Flexi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Citibank Dial For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Citibank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AirAsia-Citi Gold Visa review

What's so good (or not so good) about it?

Malaysians are a bunch of folks who love to get around and see the world That's why we have so many travel credit cards available to us. Today, the RinggitPlus team will review one of those cards – the AirAsia-Citi Gold Visa Credit Card.

AirAsia Points

As you would have guessed from its name, this credit card was created for those who travel quite a bit over the low cost carrier AirAsia. In fact, it’s interesting to note that at this moment Citibank is the only local bank that the airline has partnered with on credit cards.

That being the case, you can rightly expect the card to have loads of AirAsia privileges. For starters, cardholders will earn AirAsia Points based on their total monthly spend. Every Ringgit that you charge to your AirAsia-Citi Gold Visa will help you earn 1 AirAsia point. But if you carry forward a total balance of between RM501 and RM2499, you can earn 1.5 AirAsia Points. If you spend more than that, you'll earn 2 AirAsia Points for every RM 1 that you spend.

These AirAsia Points may then be used to redeem BIG Points at a ratio of 2000:500, which you can used to travel to any AirAsia destination around the world. These rewards points are also exchangeable for anything on the Citi Rewards catalogue.

AirAsia Points are earned on all purchases local and abroad, except for petrol spend. They do not expire, unlike other types of reward points.

Travel Benefits

Furthermore, cardholders will also enjoy priority booking, early promotion notifications as well as special fares and holiday packages not available anywhere else. Those who spend in excess of RM20,000 per year will get three inflight meal vouchers and one Pick-a-Seat voucher.

Frequent Flyers

In our opinion, this AirAsia-Citi card will come in quite handy for the budget airline’s frequent flyers. The more you spend on the card to travel, the more AirAsia Points you receive, and the more you’ll get to travel in turn. We think that the Gold Travel component of the Gold-On-Call Assistance suite is a nice bonus too, giving you that extra peace of mind when you’re overseas whether on business or holiday.

The AirAsia-Citi Gold Visa Credit Card has a minimum annual income requirement of RM24000 and an annual fee of RM190.80. You might also want to consider the AirAsia-Citi Platinum Visa Credit Card.

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