AirAsia-Citi Platinum Visa credit card

AirAsia-Citi Platinum Visa

Travel smart with AirAsia-Citibank Platinum Visa Credit Card and enjoy privileges on the ground and in the air.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM402.80 annual fee
  • Earn up to 3x reward points 

Citibank Credit Card

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Apply online now for AirAsia-Citi Platinum Visa

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Because you should be rewarded for giving the bank your business

Collect up to as many as 3 AirAsia Points for every RM1 spent on local and overseas retail purchases (except petrol) to redeem great deals.
AirAsia Points
1 point on every RM1on the first RM500 charged to your card
2 points on every RM1on expenses above RM501 up to RM5,999
3 points on every RM1on expenses RM6,000 and above
Rewards points earned never expires
Balance Transfer
More savings with Citibank Balance Transfer. Enjoy 0.99% p.a. interest rate for a 6-month tenure, for a limited time only.
Pay OverWith Interest Rate AtWhen You Transfer
9 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Easy Payment Plan (EPP)
Pay 6 to 36 monthly instalments on any retail purchases with flat interest rates ranging from 9.90% to 10.63% per annum. Pay 0% interest on instalment up to 36 months for purchases at participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
36 months0% one-time upfront handling feefrom RM500 
Learn more about Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.63% p.a. and no one-time upfront handling feefrom RM500 
12 months10.02% p.a. and no one-time upfront handling feefrom RM500 
18 months9.9% p.a. and no one-time upfront handling feefrom RM500 
24 months9.91% p.a. and no one-time upfront handling feefrom RM500 
30 months9.97% p.a. and no one-time upfront handling feefrom RM500 
36 months10.05% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Indulge in a wide selection of travel privileges including RM200 discount on AirAsia X Premium FlatBed , in-flight meals, pick a seat, exclusive fares and more.
Enjoy discounts of up to 50% and preferential treatment at over 24,000 establishments worldwide.

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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

*inclusive of 6% GST


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 Platinum Visa review

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

You don’t need to be super rich or a superhero to fly nowadays. With AirAsia, anyone can travel by air. And for those who board a plane more often than they do a bus, you might want to check out the AirAsia-Citi Platinum Visa credit card which is specially designed for frequent flyers.

BIG Points

AirAsia-Citi Platinum Visa credit card starts rewarding cardholders even before they step on a plane. It offers a 3-tier reward system which enables cardholders to earn up to 3 AirAsia Points for each RM1 charged to the credit card.

AirAsia Points are awarded for retail spending on dining, travel, utility, shopping and everything else except for petrol purchases. Cardholders can exchange 2000 AirAsia points for 500 BIG points, or use them to redeem dining, entertainment, health & beauty, electrical, travel and more exciting deals at over 800 merchants nationwide. The best part is these points never expire, giving you plenty of time to pick and choose.

Travel Privileges

In addition to the AirAsia Points, AirAsia-Citi Platinum Visa cardholders are eligible for priority booking services to cash in on the lowest fares and best seats before anyone else. They also get rewarded with exclusive fares and holiday packages. Plus, cardholders will receive early notification on selected AirAsia promotions before the sales start.

These travel privileges are further extended with Citi World Privileges which offers AirAsia-Citi Platinum Visa cardholders many fantastic deals on dining, shopping and golfing all around the world. They will get to indulge in special discounts and preferential treatment at over 24000 establishments worldwide.

Perks in the Air

Up in the air, cardholders can also enjoy RM200 off on AirAsia X seat upgrade to Premium FlatBed by simply presenting your card at the AirAsia X Service counter at klia2 if there are seats available. This seat upgrade is only applicable if the flight booking is made with AirAsia-Citi Platinum Visa card. Cardholders who charge a minimum annual spend of RM30,000 to this credit card will be treated to 6 complimentary In-flight meals and 2X Pick-A-Seat vouchers.

Travel Smart

Benefits from the rewards, discounts, and in-flight deals the AirAsia-Citi Platinum Visa credit card has to offer more than outweigh its RM402.80 annual fee. This credit card is indeed an air traveller’s best friend.

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