Citi Rewards Visa Signature

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

Citi Rewards Visa SignatureUnlimited PPL Access
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
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3
*Valid for new Citibank cardmember only

Giordano 20’ Luggage Bag

Rewards

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
EarnSpend
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

Travel

Unlimited access to Plaza Premium Lounge in KLIA 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 50% off green fees at participating golf clubs and 24/7 Visa Signature Concierge services. Get 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
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

0% interest on easy payment plan of up to 36 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%
Contact-less Payment Methods
Visa payWave

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 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

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

Collect Citi Rewards Points with Citi Rewards Visa Signature

Citi Rewards Visa Signature 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 Rewards Visa Signature locally and overseas, you earn up to 5 Citi Rewards points. 

And...you 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 7 November 2019, no rewards point given for transactions made at merchants located in the European Economic Area (EEA). Click here for more info.

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.

Citi Rewards Visa Signature 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 Visa Signature along with a valid boarding pass to enjoy complimentary access to the Plaza Premium Lounge in KLIA. 

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 Visa Signature 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 the Citi Rewards Visa Signature.

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 Visa Signature

Looking after your health as well, Citi Rewards Visa Signature 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.