Citi Rewards Mastercard

Enjoy 6x complimentary access to KLIA and KLIA2 airport lounges, 5x Citi Reward Points, personal accident and purchase protection coverage, and golf privileges every year.

Citi Rewards MastercardRM250 Cashback on e-Wallet Topup
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
PS5 All Digital Version for 15 Successful Applicant for 3 Consecutive Days
worth RM1869
when you apply through RinggitPlus3

PS5 All Digital Version for 15 Successful Applicant for 3 Consecutive Days


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 retail transaction


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 World Mastercard benefits such as golf privileges, 24/7 World Mastercard Concierge, VIP privileges at luxury hotels, and exclusive healthcare privileges 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.


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! 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).

RM250 Cashback on e-wallet topup

Are you a heavy e-wallet user? This is a chance for you to get some of your cash back into your wallet worth a total of RM250.

All you need to do is reload minimum RM100 into your favourite e-wallets using Citi Rewards Mastercard for 5 consecutive months. Each month you will earn RM50 cashback.

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."