Citi Rewards Mastercard

Enjoy unlimited access to airport lounge, 5x reward points, personal accident and purchase protection coverage, and golf privileges every year.

Citi Rewards MastercardUnlimited PPL 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
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worth RM599
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5x Citi Rewards points for every RM 1 spent at selected departmental stores, supermarkets and hypermarkets. 5x Citi Rewards Points for every RM 1 spent overseas.

Citi Rewards Points
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 retails


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


Enjoy 50% off green fees at participating golf clubs, 20% Executive Screening Package and 15% off walk-in hospital room rates at participating hospitals.

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
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.
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.


If you love both shopping, exploring the world and rewards, then the Citi Rewards Mastercard is the card for you.

Collect Citi Rewards Points with Citi Rewards Mastercard

Citi Rewards Mastercard is a premium credit card that lets you collect reward points like it is nobody business. 

Especially for those of you who likes to frequent to big name departmental stores as well as supermarkets for your regular shopping workouts. 

When you spend RM1 on your Citi credit card locally and overseas, you earn up to 5 Citi Rewards points. can still get the most out of this credit card even though you have max out your monthly or yearly spending.

Citi Rewards PointSpent 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 given for transactions made at merchants located in the European Economic Area (EEA). Click here for more info.

Annual Fee Bonus Points

From 1 August 2020 onwards, earn up to 200,000 bonus points when you pay the annual fee of your Citi Rewards Mastercard. This applies to both principal and supplementary cardholders.

However, if there's an annual fee waiver offer this feature will not be available until the offer expires.

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

Citi Rewards Mastercard Premium Travel Privileges 

The rewards don’t end with just the Rewards Points - this premier card also entitles you to some exclusive perks for traveling.

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

Whether its business or pleasure, relax and unwind with VIP service before boarding the plane and going on that long haul.

If that wasn’t enough, you now have the status that allows you access to some of the most luxurious hotels worldwide. 

Enjoy 24/7 world concierge when you travel and some of the best privileges for shopping and dining.

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 cover 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 purchase protection 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 from Citi Rewards Mastercard

Looking after your health as well, 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 card, including most KPJ Hospitals.

Terms and conditions apply. For latest Citi credit card benefits and card info, please refer to