Citi Clear Mastercard

Citi Clear Mastercard offers a host of benefits: evergreen loyalty point, instant rewards, buy 1 free 1 deals at CBTL and GSC, plus flexible credit lines.

Citi Clear Mastercard1-for-1 DEALS
Min. Income
Annual Fee
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
worth RM300
when you apply through RinggitPlus3



3x Citi Rewards Points at selected retail outlets and 1x Citi Rewards Point on other retail expenses. Citi Rewards point are evergreen and can be redeemed at Citi Thank You Rewards Program.

Citi Rewards Points
3 points on every RM1at Borders, Topshop, Topman, GAP, La Senza, Zouk Club KL, Vincci, G2000 and Sakae Sushi!
1 point on every RM1on other retail expenses


1-for-1 drinks every Mon-Fri at The Coffee Bean & Tea Leaf outlets. Get up to 50% off Netflix and Spotify for new or add-on subscriptions from now till 31 October 2020.

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plans that offers you low interest rates. Pay off your debts in no time with smaller installments and a flexible repayment tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan

Easy Payment Plans

Citibank Easy Payment Plan offers payment terms of up to 48 months at zero interest rates with a minimum spend of RM500.

Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM90 primary card

    First 3 years free when you activate within 60 days from card approval date

  • RM60 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.


Are you a millennial who lives life on the edge screaming "YOLO" all night? We have found you a credit card that speaks your true spirit: the Citi Clear Mastercard. 

With amazing discounts at the popular night club and coffee house (the morning after), this Citi credit card is your access.

Collect Citi Rewards Points with Citi Clear Mastercard

One thing that you should know about Citi Rewards Point is that it never expires, unlike other reward credit cards available out there. 

When you spend every Ringgit with Citi Clear Mastercard on all retail transactions, you will be rewarded with 1 Citi Rewards Point. 

There's more than meet the eyes with this Citibank credit card, especially for party-goers. 

For every RM1 spent with this Citi credit card at Zouk Club KL and other selected hot spots such as Topshop, Topman, GAP, La Senza, Vincci, G2000, Borders and Sakae Sushi, you get 3 Citi Rewards Points.

You can redeem your reward points instantly via Citi Thank You Rewards website at a conversion rate of 400 Citi Rewards points to RM1. 

50% Off Netflix and Spotify

Chilling and lounging with your loved one gets even better with this offer from Citi Clear Mastercard!

Limited only from now until 31 October 2020, get up to 50% discount on Netflix and Spotify applicable for new or add-on subscriptions only.

Not only that, it is also capped at RM18 per month per account too.

Please be noted that the 50% off cash rebate will be fulfilled in 60 days post campaign ended.

Terms and conditions apply. For latest Citi credit card benefits and card info, please refer to

Buy 1 Free 1 Drinks at Coffee Bean & Tea Leaf

If you are a big fan of Coffee Bean & Tea Leaf, then let this credit card showers you some caffeine indulgence with its buy 1 free 1 offer. 

For every purchase of 1 drink of equal value or less, you will get a complimentary drink for yourself or to share with the other person. 

This offer stands every Monday to Friday at all outlets nationwide except for the stores at KLIA Arrival Hall and HSBC Lebuh Ampang.

Friday 1-for-1 GSC Cinema Privileges for Citi Clear Mastercard Cardholders

Movie Date Tonight? No sweat. 

With 1 for 1 deal on movie tickets at all participating GSC cinemas, it looks like Citi Clear Mastercard credit card has got you covered. 

Charge to your Citibank credit card one movie ticket to get a complimentary ticket every Friday. 

This free movie ticket deal is only available at all Golden Screen Cinema outlets (except GSC Signature and GSC Max outlets).

Citibank World Privileges

Get up to 50% discount and preferential treatment at over 24,000 establishments worldwide for dining, shopping, leisure and travel.

Citi Clear Mastercard Balance Transfer Promotion

Simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. 

First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. for 12 months, with a minimum balance transfer of RM1,000.

Should you want to stretch your repayment capacity up to 36 months, you can apply for Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.

Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero fees - zero upfront fee, zero processing fee and zero early settlement fee, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000.

Just apply for Citi Clear Mastercard here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.