Citi PremierMiles Mastercard®

Air miles credit card that gives double PremierMiles on overseas spending, 8x complimentary access to airport lounge and personal accident insurance coverage.

Citi PremierMiles Mastercard®10,000 Bonus PremierMiles
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

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Earn double PremierMiles for every RM3 equivalent spent in foreign currency when you shop overseas. On your card anniversary and upon full payment of the annual fee, get 10,000 Bonus PremierMiles every year.

Citi PremierMiles
2 points on every RM3on packages/items at Spotify, Netflix, IKEA, Harvey Norman & Senheng
2 points on every RM3on equivalent spent in foreign currencies
2 points on every RM3on selected online travel merchants
1 point on every RM3on all local expenses


Earn PremierMiles that never expires when you spend on online travel merchants. Enjoy 8x complimentary access to Plaza Premium Lounge across 19 airports in 9 countries. Plus, a personal accident and travel inconveniences insurance coverage too.

Travel CoverageSum Insured
Personal AccidentUp to RM300,000
Delayed FlightUp to RM2,500
Missed FlightUp to RM2,500
Lost LuggageUp to RM12,000
Delayed LuggageUp to RM2,500


Get a complimentary limo ride home from KLIA 1 when you have 3 valid sales receipts from the purchases made in foreign currency during overseas trip. Redeem your ride at Citi-Airport Limo Priority Booth B01.

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 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
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 Pay 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
  • RM600 primary card

    Free for first 3 years. New cardholders only.

  • RM0 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.
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 18% p.a. for up to 12 months.


Annual Fee Waiver

Good news! When you spend minimum RM80,000 within the next 12 months starting from the next anniversary date, your annual fee will be waived in the subsequent anniversary.

For more information on Citi PremierMiles Annual Fee Waiver, do check out the terms and conditions here.

Earn Cash Backs with Citi PremierMiles Mastercard

Until 30 September 2021, enter the world of cash backs with Citi PremierMiles Mastercard: the premium credit card by Citibank that works hard for you to earn more rewards.

Terms and conditions apply.

10% Cash Back on Fine Dining and Food Deliveries

Why not treat yourself and your loved ones once in a while with fine dining at selected luxury hotels?

If you're a homebody, food deliveries is great too!

Now you'll earn up to 10% cash back (capped at RM20 per transaction) when you dine and order food online with your Citi PremierMiles Mastercard from these selected hotels:

  • Shangri-La
  • Mandarin Oriental
  • Ritz Carlton
  • The Majestic
  • Hilton
  • Four Seasons

RM10 Cash Back on Online Groceries Shopping

Due to the Covid-19 pandemic, shopping online becomes the new norm now. Even shopping for groceries!

Now with your Citi PremierMiles Mastercard, get RM10 cash back when you shop for groceries at these favourite local online markets:

  • HappyFresh
  • Tesco Online
  • Jaya Grocer Online

You will only need to link your credit card to your account, and earn cash back with a minimum spend of RM200 and capped at 8X per month. It's that simple!

2X PremierMiles for Home Entertainment

Staying at home can be as comfortable and as luxurious as you want it to be.

Every time you swipe/use your premium Citi PremierMiles Mastercard to purchase packages or items at these selected online merchants, you'll earn 2X PremierMiles!

  • Spotify
  • Netflix
  • IKEA
  • Harvey Norman
  • Senheng

2x PremierMiles on Overseas Spend

Citi PremierMiles Mastercard is an air miles credit card that partners with international airlines. 

For every RM3 spend on retail transaction locally including Petrol, you earn 1x PremierMiles.

Earn 2x PremierMiles when you spend RM3 on your Citi PremierMiles Mastercard in foreign currencies, as well as on selected online travel merchants such as:

Airlines:,, and

Hotels:,, and

The best part about PremierMiles is that it never expires. Plus, on your card anniversary and upon payment of card annual fee, you will be receive 10,000 Bonus PremierMiles every year.

Citi PremierMiles to Frequent Flyer Program Miles

With Citi PremierMiles Mastercard, you have a plenty of choices to redeem your frequent flyer program (FPP) miles. Plus, the conversion rate is low too. 

For every 1,500 PremierMiles, you can redeem 1,000 air miles with over 90 airlines partners as listed on the website. Only principal cardholder is allowed to redeem FPP miles.

Free Travel Insurance

Citi PremierMiles Mastercard is equipped with up to RM300,000 travel insurance coverage for principal and supplementary cardholders when you charge your travel with the Citi card.

This comprehensive insurance coverage include personal accident and travel inconveniences.

Citi PremierMiles to Cash Rebates

You can also redeem Cash Rebates with your PremierMiles. This cash rebates can be used to pay for your recent purchases in selected categories. 

Also known as Pay with Points Online redemption of PremierMiles for Cash Rebates can only be done via Citibank Online. 

Citi Thank You Rewards Program

And last but not least, you can redeem your PremierMiles the traditional way via Citi Thank You Rewards program.

There are a host of products, services, vouchers and gifts you can choose from. Best, you can pay your Citibank credit card annual fee at 300,000 PremierMiles.

"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."