Citi Prestige

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

Citi PrestigePremium Lifestyle
Min. Income
RM16,666.67/month
Annual Fee
RM1,000
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3

Giordano 20’ Luggage Bag

Rewards

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
EarnSpend
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses

Petrol

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

Travel

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.

Premium

Possibly the most exclusive credit card in Malaysia with outstanding privileges, benefits, rewards and premium protection.

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 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.

Citibank Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM500
12 months9.96% p.a. and no one-time upfront handling feeRM500
18 months9.84% p.a. and no one-time upfront handling feeRM500
24 months9.85% p.a. and no one-time upfront handling feeRM500
30 months9.91% p.a. and no one-time upfront handling feeRM500
36 months9.99% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Flexi Payment Plan
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
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM200,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Flexi Payment Plan
Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.
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.

Review

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.