Citi Clear Mastercard

Evergreen Rewards Points, buy 1 free 1 deals at CBTL and GSC, plus flexible credit lines. Activate your new card via Citi Mobile® App with a temporary CVV and start spending. Issued by UOB under license from Mastercard, using certain trademarks temporarily under license from Citigroup Inc.

Citi Clear MastercardUp to 3X reward points for retail
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
No
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
NEW Apple iPad Air M1
worth RM2899
when you apply through RinggitPlus *

NEW Apple iPad Air M1

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Rewards

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

Citi Rewards Points
EarnSpend
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 transactions

Premium

1-for-1 drinks at The Coffee Bean & Tea Leaf outlets, available Monday to Friday. 1-for-1 movie tickets every Friday at Golden Screen Cinema (GSC). With the Temporary CVV feature, you can now activate your new Citi credit card instantly via Citi Mobile® App, and start spending while waiting for your physical card to be delivered to you. Terms and conditions apply. Read more on our Review below.

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plan that offers you low-interest rates. Pay off your debts in no time with smaller instalments and 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
Pay OverWith Interest Rate AtWhen You Transfer
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer Plan

Easy Payment Plans

Citibank Easy Payment Plan offers payment terms of up to 24 months at zero interest rates with a minimum spend of RM500.

Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 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. New customers only.

  • 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
18%
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest instalments now and stretch your payments for up to 24 months. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.
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. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.
Citibank Balance Transfer Plan
Enjoy interest savings when you transfer your credit card debts to a brand new Citibank credit card, at an effective interest rate of 8.99% p.a. for 12 months. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Review

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 nightclub and coffee houses (the morning after), this Citi credit card is your access.

What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, your new Citi credit card delivery might take some time to arrive. But fret not, you can still start your expenditure without your physical card by activating your temporary CVV via Citi Mobile® App.

Temporary CVV is a 3-digit security code that you can use to activate your new Citi credit card while waiting for the physical card to be delivered.

To get this unique code, your Citi credit card must first get approved by the bank. Then, you may download the Citi Mobile® App and retrieve your unique temporary CVV code to activate your card. Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV on the card.

Check out the terms and conditions here.

Steps to activate the Temporary CVV

1. Register or log in to Citi Mobile® App. Click "Activate to view card details".

2. You will be led to the "Manage Card" screen.

3. Enter the OTP that was sent to your registered phone number.

4. After authentication, your card number and expiry date will be displayed. Click on "View" to reveal the temporary CVV.

5. Your temporary CVV will then be displayed.

My Citi credit card is here. What should I do next?

Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV found at the back of your card, and you still need to activate it. This new CVV will then be used for all your transactions and recurring payments moving forward. Here’s how you can activate your new Citi credit card:

Via Citi Mobile® App:

  • Register and log in to Citi Mobile® App
  • Tap on the icon in the top left corner
  • Tap on ‘Create Card PIN’
  • Enter your new 6-digit PIN
  • Enter the OTP for verification
  • Voila! Your PIN has been successfully created

Via Citibank Online:

  • Register and log in to Citibank Online
  • Click on ‘Services’, ‘My Profile’, and select ‘Create Card PIN’
  • Enter the OTP for verification
  • Select your card
  • Enter your new 6-digit PIN
  • Done! Your PIN has been successfully created

Via Citibank Card Activation & PIN Creation Hotline:

  • Call +60323830011
  • Select the language option and enter the NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN

Citi Rewards Points

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

Spend every Ringgit 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 at Zouk Club KL, you get 3 Citi Rewards Points. 

The same reward tier is applied to transactions made at Borders, Sakae Sushi, GAP, Topman, G2000, Topshop, La Senza and Vincci. 

You can redeem your reward points instantly via Citi ThankYou Rewards.

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 shower you with 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

Movie Date Tonight? No sweat. With 1 for 1 deal on movie tickets at all participating GSC cinemas, it looks like the 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.

"Shall there be any discrepancy on the latest card information such as credit card T&C, credit card benefits, fees & charges, information on Citibank website shall be deemed as latest and final."

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