Citi Prestige credit card

Citi Prestige

Citi Prestige is your passport to a world of unforgettable experiences, offering unique benefits and premium personalised service.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM1060.00 annual fee
  • Earn up to 2x reward points 

Citibank Credit Card

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Apply online now for Citi Prestige

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Because you should be rewarded for giving the bank your business

The first credit card in Malaysia to reward loyal cardholders with a Relationship Bonus of up to 40% in annual spending. Earn unlimited Citi Rewards points that never expire with one point for every Ringgit spent locally and double points for all overseas purchases.
Citibank Rewards Points
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Rewards points earned never expires
Balance Transfer
Sign up for Citibank Balance Transfer and enjoy low rates on your remaining credit balance of 0.99% p.a..
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)
Pay for purchases at flat interest rates of 9.90% to 10.63% per annum with payment terms of up to 36 months. Pay 0% interest on purchases at participating outlets.
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 months10.63% p.a. and no one-time upfront handling feefrom RM500 
12 months10.02% p.a. and no one-time upfront handling feefrom RM500 
18 months9.9% p.a. and no one-time upfront handling feefrom RM500 
24 months9.91% p.a. and no one-time upfront handling feefrom RM500 
30 months9.97% p.a. and no one-time upfront handling feefrom RM500 
36 months10.05% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Indulge in an abundance of travel privileges including global concierge service, hotel room upgrades, private jet bookings and more. Get free travel insurance of up to RM1million when you purchase your travel tickets with Citi Prestige.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Delayed FlightUp to RM2500
Lost LuggageUp to RM12000
Delayed LuggageUp to RM2500
Possibly the most exclusive credit card in Malaysia with outstanding benefits, rewards and premium protection.

Fees & Charges

There are always fees but how much are they?

Annual Fee
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
Contact-less Payment Methods

*inclusive of 6% GST


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 Expatriates


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 Prestige review

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

Living the high life and loving it? If your answer is yes, then you would love Citi Prestige Card, one of the few credit cards in Malaysia with such prestige that only those who are at the top of their game in life can afford it.

Relationship Bonus

One of the most unique rewards offered to Citi Prestige Card cardholders is a Relationship Bonus. It is the first credit card in Malaysia with such a privilege. Loyal cardholders will be given reward points based on the number of years they have been a customer.

This tiered reward system can see Citi Prestige Card cardholders earning cashback on annual spending from 5% up to 40% (for Citigold customers). These points are awarded in addition to the Citi Rewards Points collected from regular spending.

Unlimited Reward Points

Earn one Citi Rewards point for every RM1 you spend on eligible purchases locally. There's no limit to how many points you can accrue and they never expire, so you can save for a reward you really want and receive 2x Citi Rewards point for every RM1 equivalent you spent in foreign currencies internationally. So, make the Citi Prestige card your travel companion!

Exciting Rewards

Combining the Relationship Bonus and Citi Rewards Points, Citi Prestige Card cardholders can easily accumulated points to redeem many exciting rewards offered by Citi Rewards programme. A wide variety of items such as fashion & beauty products, electronic gadgets, gifts and more are available.

These points are also as good as cash and can be used to pay for anything at any time at selected retail stores, restaurants, service and entertainment outlets. You can also offset any of your purchases with these points. Frequent flyers can use the points to redeem Air Miles. The list of rewards seems never-ending.

Exclusive Travel Perks

Citi Prestige Card cardholders are pampered with fabulous travel deals and privileges, creating an unforgettable experience. They have access to 24-hour global concierge services which will provide assistance to cardholders in any country whether it is just to replace a lost card or to get emergency cash.

As a Citi Prestige Card cardholder, you will also have VIP access to concerts, cultural shows and sporting events around the world. This is where you will experience life and create wonderful memories.

Free RM1million Travel Insurance

Just purchase your travel tickets with your Citi Prestige and you will be covered for personal accidents incurred while overseas for up to RM1000000. The maximum coverage is 30 days. The medical cost is also covered for up to RM50000. 

Citi Prestige also offers reimbursement for the travel inconveniences.

  • Flight delay of up to RM2500
  • Trip cancellation of up to RM16000
  • Luggage loss of up to RM12000 
  • Luggage delay of up to RM2500
  • Luggage damage of up to RM500

You’re Worth It

Not many can own Citi Prestige Card. Only those who earn at least RM200000 per year can apply and annual fee is set at RM1060. For those who can afford this credit card, there is no better way to celebrate and live life to the fullest.

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