Citi Clear Visa credit card

Citi Clear Visa

Whatever your spending your money on the Citi Clear Visa offers priority access and a host of great rewards for life in the fast lane.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM95.40 annual fee
  • Earn up to 3x reward points 

Sit Back & Relax

Get a Compimentary Robot Vacuum with Your New Citi Credit Cards

Apply online now for Citi Clear Visa

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Because you should be rewarded for giving the bank your business

Every ringgit charged to your card earns you 1 Citi Rewards point, except for purchases at petrol stations. You can earn 3 points at the selected places. They never expire so you can redeem your points for gifts at any time.
Citibank Reward Points
3 points on every RM1at Borders, Topman, GAP, La Senza, Zouk Club KL, Vincci, G2000, and Sakae Sushi!
1 point on every RM1on all other local expenses
Rewards points earned never expires
Balance Transfer
Enjoy more savings when you get a balance transfer to your Citibank credit card with low interest rates of 0.99% per annum.
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)
Citibank Flexi Payment Plan offers payment terms of 6 to 36 months on any retail purchases at affordable interest rates with a minimum spend of RM500. On the other hand, the instalment interest is 0% 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 months10.57% 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

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

All fees & charges are inclusive of 6% GST if applicable


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.

Citi Clear Visa review

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

Are you an avid clubber? Then the Citi Clear Visa credit card is the perfect card for all your nighttime partying needs. With amazing discounts at popular clubs like Zouk, the Citi Clear Visa credit card is everything you need for your big night out.

Buy 1 Free 1 Drinks at Coffee Bean & Tea Leaf

Get a complimentary drink, on the house, every Monday to Friday, at all outlets nationwide except Penang International Airport, KLIA2, HSBC Lebuh Ampang and East Malaysia outlets.

Great Reward Points

Clear your path to cultured living with 3x Citi Rewards points at the coolest places in town. Get rewarded whenever you spend at Borders, Sakae Sushi, GAP, Topman, G2000, Topshop, La Senza, Vincci, Zouk Club KL. Earn 1 Citi Rewards point every Ringgit spent everywhere else!

Exclusive Friday 1 For 1 Movie Deals

Movie Date Tonight? No sweat, the Citi Clear Visa credit card has got you covered. With one for one deals on movie tickets at all participating TGV and GSC cinemas, looks like movie night is on you.

Citibank Flexi Payment Plan

Can't pay your bills all at once? Fret Not. The Citibank Flexi Payment Plan offers cardholders comfortable repayment terms for their credit card bills with plans from 6 to 36 months, when you spend a minimum of RM500.

Low Annual Fee

This Citibank credit card comes with a low annual fee of only RM90 with the annual fee waived for the first year. Hate paying annual fees? The Citi Clear Visa credit card comes with no annual fee if the card is swiped at least 3 times every 60 days.

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