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
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM1000.00 annual fee
  • Earn up to 2x reward points 

Free Oppo A71k & More!

Free Oppo A71k & More!

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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 and evergreen Citi Rewards points with 1 Citi Rewards 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
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
12 months8.99% 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 with flat interest rates. 0% interest for instalment up to 36 months when you make 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
Every Ringgit spent on fuel at any petrol stations nationwide, you earn 1 Citi Rewards point, with no capping and no expiry date!
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 USD1 million when you purchase your travel tickets with Citi Prestige.
Possibly the most exclusive credit card in Malaysia with outstanding privileges, benefits, rewards and premium protection.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Contact-less Payment Methods
MasterCard PayPass


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
Citi Quick 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?

Fancy living in the high life? If your answer is yes, then you would want to explore the benefits of Citi Prestige Card, one of few premium credit cards in Malaysia that speaks the language of luxury and smart finances.

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 Card locally and overseas, you can accumulate Citi Rewards point, which is evergreen and unlimited!  

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

Collect as much 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 Citi Prestige Card cardholders is the Relationship Bonus. 

This feature awards loyal members of Citibank who owns Citi Prestige Card 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%

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 EIR of 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 as low as RM32.23 per month with 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 Card 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
  • Unlimited airport lounge access at over 800 airports around the world
  • Personalized and 24-hour global concierge services

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.

Comprehensive Insurance Coverage

Just purchase your travel tickets with your Citi Prestige and you will be covered with a premium travel accident insurance protection up to US$1 million. 

That's not all, under Citi Prestige Card's 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.

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