Citi Prestige Mastercard

Citi Prestige offers an unrivaled experience and privileged access to elite travel, exclusive events, 24/7 concierge service and premium insurance protection

Citi Prestige MastercardUnlimited airport lounge access
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
Lenovo M7 Tablet + Sony SRS XB12 Speaker + Xiaomi Mi Band 5
worth RM700
when you apply through RinggitPlus3

Lenovo M7 Tablet + Sony SRS XB12 Speaker + Xiaomi Mi Band 5


Earn unlimited and evergreen Citi Rewards points with every Ringgit spent locally and double points for all overseas purchases. Get up to 40% Relationship Bonus for staying loyal with Citibank. Get 250,000 bonus points when you spend RM240,000 and above.

Citi Rewards Points
2 points on every RM1equivalent when you spend in foreign currencies*
1 point on every RM1on eligible purchases locally


Every Ringgit spent on fuel at any petrol stations nationwide, you earn 1 Citi Rewards point, with no capping and no expiry date!


Up to 12x complimentary access to airport lounge through MasterCard Airport Experiences by Loungekey, complimentary limo ride home from airport, and free night stay at any international hotel and resort. Plus, comprehensive travel insurance coverage up to US$500,000.


Personalised services such as Citi Prestige Concierge, Citi Prestige Priority Line, access to exclusive events by invitation and many more perks for carrying a Citi Prestige card.

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 Pay Plan offers payment terms of up to 48 months with zero interest rates, with a minimum purchase 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
  • RM1,000 primary card
  • 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.


Citi Prestige Mastercard - Evergreen Citi Rewards Points

Is there a smart and easy way to get your hand on your favorite merchandise or embark on your next holiday for free? Yes!

By swiping your Citi Prestige Mastercard locally and overseas, you can accumulate Citi Rewards point, which is evergreen and unlimited!  

For every RM1 spent on eligible purchases made locally, you earn 1 Citi Rewards point; whereas 2 Citi Rewards points will be awarded when you spent in foreign currency internationally. 

Collect as many loyal points as you want then convert them into air miles or hotel loyalty points or other benefits via Citi Thank You Rewards program.

Relationship Bonus

One of the most unique rewards offered to this Citibank credit cardholders is the Relationship Bonus. 

This feature awards loyal members of Citibank who owns Citi Prestige with bonus points up to 20% (40% for Citigold members) based on the number of years you have been the bank's customer:

Years with CitibankCitibank customer's Relationship BonusCitigold customer's Relationship Bonus
1- 3 years5%10%
4 - 6 years10%20%
7 - 9 years15%30%
10 years and above20%40%

Citi Prestige 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 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 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 a Citibank credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.

Unrivaled Travel Perks

Citi Prestige Mastercard cardholders are pampered with fabulous travel deals and privileges such as:

  • Complimentary one night stay at any international hotel and resort
  • Complimentary limo ride home from KLIA
  • Up to 12x complimentary access annually into over 1,000 airport lounges in cities around the world through Mastercard® Airport Experiences by LoungeKey
  • Personalized and 24-hour global concierge services

To enjoy access to airport lounges privilege, just present your Prestige Card for verification and authorisation, and inform the participating airport lounges that this benefit is provided by LoungeKey. Travel with family or friends? The fee for your guest's entry is up to USD32 per guest per visit. To view the full list of airport lounges, visit this website here. Terms and conditions apply.

Holding this Citibank credit card also means that you also have access to cultural shows and sporting events around the world. This is where you will experience life and create wonderful memories.

Comprehensive Insurance Coverage from Citi Prestige Mastercard

Just purchase your travel tickets with your Citibank credit card and you will be covered with a premium travel accident insurance protection up to USD500,000. 

That's not all, under your Citi Prestige Mastercard complimentary insurance benefits, Citibank will also reimburse you in the event of travel inconveniences, loss and damage to your purchases, and against theft and robbery.

To view Citi Prestige Card Benefit Terms & Conditions, click here.