Citi Rewards Mastercard

Enjoy 5x Citi Rewards Points when you shop at major supermarkets, departmental stores, Taobao, and Lazada. E-wallet spend gets you 12x Citi Rewards Points. Activate your new card via Citi Mobile® App with a temporary CVV and start spending.

Citi Rewards Mastercard12X reward points for e-wallet spending
Min. Income
RM5,000/month
Annual Fee
Free*
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
iPhone12 PRO MAX, iPad PRO, Airpod MAX or Apple Watch 6
worth RM5299
when you apply through RinggitPlus
Terms and conditions apply

iPhone12 PRO MAX, iPad PRO, Airpod MAX or Apple Watch 6

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Rewards

Get 12x Citi Rewards Points for every RM1 spent on selected e-wallets and online spend, capped at RM300 per month each. 5x Citi Rewards Points for every RM1 spent locally and overseas. Plus, until 14 September 2021, earn 5x Citi Rewards Points for every RM1 spent on selected online merchants such as Taobao, Lazada and Amazon. Terms and Conditions Apply.

Citi Rewards Points
EarnSpend
12 points on every RM1on selected E-Wallet and online spend namely Touch 'n Go, Boost, BigPay and iTunes
5 points on every RM1on purchases made via selected online merchants such as Taobao, Lazada and Amazon
5 points on every RM1at selected departmental stores and supermarkets locally
5 points on every RM1on all overseas retail (excluding EEA transaction)
1 point on every RM1on other local retail transaction

Travel

6x complimentary access to Plaza Premium Lounge in KLIA1 and KLIA2, and up to RM50,000 personal accident insurance coverage for principal and supplementary cardholders when travelling overseas.

Travel CoverageSum Insured
Personal AccidentUp to RM50,000

Premium

Enjoy World Mastercard benefits such as golf privileges, 24/7 World Mastercard Concierge, VIP privileges at luxury hotels, and exclusive healthcare privileges at participating hospitals. Get 5x Citi Rewards Points for every RM1 spent on selected online merchants such as Taobao, Lazada and Amazon, valid till 14 September 2021, T&C apply. With the Temporary CVV feature, you can now activate your new Citi credit card instantly via Citi Mobile® App, and start spending while waiting for your physical card to be delivered to you. Terms and conditions apply.

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
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

0% interest on easy payment plan of up to 48 months when you make purchases at participating merchants.

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.

  • RM150 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%
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

From now until 14 September 2021, grab this chance to get 5x Citi Rewards Points for every RM1 that you spend on purchases via selected online merchants namely Taobao, Lazada and Amazon, capped at a maximum transaction of RM600 every month. Should your spending exceeded the RM600 cap, you'll get 1x Citi Rewards Point for every RM1 spent. Terms and conditions apply.

What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, the delivery for your new Citi credit card might take some time to arrive. But fret not, you can still start your expenditure without your physical card by activating your temporary CVV via Citi Mobile® App.

Temporary CVV is a 3-digit security code that you can use to activate your new Citi credit card while waiting for the physical card to be delivered.

To get this unique code, your Citi credit card must firstly get approved by the bank. Then, you may download the Citi Mobile® App and retrieve your unique temporary CVV code to activate your card. Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV on the card.

Check out the terms and conditions here.

Steps to activate the Temporary CVV

1. Register or log-in to Citi Mobile® App. Click "Activate to view card details".

2. You will be led to "Manage Card" screen.

3. Enter the OTP that was sent to your registered phone number.

4. After authentication, your card number and expiry date will be displayed. Click on "View" to reveal the temporary CVV.

5. Your temporary CVV will then be displayed.

My Citi credit card is here. What should I do next?

Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV found at the back of your card, and you still need to activate it. This new CVV will then be used for all your transactions and recurring payments moving forward. Here’s how you can activate your new Citi credit card:

Via Citi Mobile® App:

  • Register and log-in to Citi Mobile® App
  • Tap on the icon on the top left corner
  • Tap on ‘Create Card PIN’
  • Enter your new 6-digit PIN
  • Enter the OTP for verification
  • Voila! Your PIN has been successfully created

Via Citibank Online:

  • Register and log-in to Citibank Online
  • Click on ‘Services’, ‘My Profile’, and select ‘Create Card PIN’
  • Enter the OTP for verification
  • Select your card
  • Enter your new 6-digit PIN
  • Done! Your PIN has been successfully created

Via Citibank Card Activation & PIN Creation Hotline:

  • Call +60323830011
  • Select the language option and enter NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN

5x Citi Rewards Points for Local and Overseas Spends

Citi Rewards Mastercard brings you the best of both worlds by rewarding you with 5x Citi Rewards Points for every Ringgit spent locally and overseas.

For those who frequent to big name departmental stores and supermarkets for your regular shopping workouts, this Citi credit card is your truest companion!

And...you can still get the most out of this credit card even though you have maxed out your monthly or yearly spending. See reward point table below for more information:

Citi Rewards PointsSpent at / on Maximum Spending
5 Points for every RM1AEON, AEON BiG, Mark & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan
B.I.G Ben's Independent Grocer, Cold Storage, Everise, Giant, Jason Food Hall, Jaya Grocer, Servay, Tesco, Village Grocer
< RM3,000 per month
5 Points for every RM1retail transactions in foreign currency (overseas)*< RM24,000 per year
1 Point for every RM1all other retail transactions locallyuncapped

*Starting from November 2019, no rewards point will be given for transactions made at merchants located in the European Economic Area (EEA).

Annual Fee Bonus Points

Nobody like paying an annual fee. But Citi Rewards Mastercard will incentivize you with an Annual Bonus Citi Rewards Points for paying your credit card annual fee in full. 

This bonus point will be reflected in your next month statement once you have paid the annual fees on principal and supplementary cards, if any.

Credit cardBonus point
Principal card200,000 points
Supplementary card25,000 points

However, no annual bonus point will be awarded if your Citibank credit card annual fee is waived or partially paid under any discount or promotion.

Enjoy World Mastercard Benefits and Privileges 

The rewards don’t end with just the Rewards Points - this credit card elevates your travel lifestyle to the benefits and privileges of a World Mastercard.

Present your Citi Rewards Mastercard along with a valid boarding pass to enjoy 6x complimentary access to the Plaza Premium Lounge in KLIA1 and KLIA2.

Whether its for business or pleasure, you get to relax and unwind in the VIP section before boarding the plane and going on that long haul flight. Plus, this benefit will be refreshed every year!

If that is not enough, you also have the status that allows you a VIP access to some of the most luxurious hotels worldwide. In addition, you can get all your needs and demands sorted via a 24/7 World Mastercard Concierge.

Insurance and Protection

So if you were to take up the invitation to travel, rest easy and know that both you and your supplementary cardholders have a personal accident coverage of up to RM50,000 when you charge all your flight and travel expenses to this Citi credit card.

Personal accident aside, you will also receive a purchase protection insurance on all your valuables for a total of 30 days, with a maximum of RM10,000 per item or RM25,000 per occurrence. 

This coverage is particularly useful while you're on holiday so that you have a safety blanket for those rare and expensive belongings.

Exclusive Healthcare Benefits

Looking after your health, Citi Rewards Mastercard includes some exclusive health care privileges such as 20% off on Executive Screening Packages and 15% off walk in hospital room rates at several participating hospitals that accept this credit card, including most KPJ Hospitals.

"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."