Citi Rewards Visa Signature credit card

Citi Rewards Visa Signature

Enjoy the luxury of global access and 5x Rewards Point not only at your favorite department stores, but worldwide.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM636.00 annual fee
  • Earn up to 5x reward points 

Get 5X Rewards Point On Everyday Spent With Your New Citibank Card

Get 5X Rewards Point On Everyday Spent With Your New Citibank Card

Apply online now for Citi Rewards Visa Signature

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Because you should be rewarded for giving the bank your business

Get more rewards when you spend at your favorite department stores with up to 5x Citi Rewards points for every RM 1 spent. Also travel more, and get 5x points for every RM 1 spent overseas.
Citi Rewards Program
5 points on every RM1selected local retail
1 point on every RM1other local retail
5 points on every RM1on all overseas retail
Balance Transfer
Citibank Balance Transfer offers special low interest rates of 0.99% p.a. on a 6-month payment term, for a limited time only.
Pay OverWith Interest Rate AtWhen You Transfer
12 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Easy Payment Plan (EPP)
Don't burden yourself with hefty payments on your purchases. Enjoy some wiggle room with the Citibank Flexi Payment Plan, with interest rates as low as 9.9% and repayment periods of 36 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feefrom RM500 
12 months9.96% p.a. and no one-time upfront handling feefrom RM500 
18 months9.84% p.a. and no one-time upfront handling feefrom RM500 
24 months9.85% p.a. and no one-time upfront handling feefrom RM500 
30 months9.91% p.a. and no one-time upfront handling feefrom RM500 
36 months9.99% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
With your Visa Signature status, enjoy the world of exclusivity and unrivaled access, not to mention VIP privileges from the Visa Luxury Hotel Collection. Also, travel with peace of mind with complimentary personal accident insurance of up to RM50,000.
Travel CoverageSum Insured
Personal AccidentUp to RM50000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Citibank Flexi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Citibank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Citi Rewards Visa Signature review

What's so good (or not so good) about it?

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

Rewards Points

Let out the shopaholic in you and head on over to one of these major department stores for some retail therapy. AEON, Marks and Spencer, Metrojaya, Robinsons, Parkson, Tangs and Isetan are all participating department stores that offer you 5x Rewards Points for every RM 1 spent.

With the maximum spend being RM 3,000 per month the accumulation of points could be exponential! Not forgetting that you also can get 5x points for every RM 1 spent overseas. So taking your Rewards Card with you on holiday is definitely a good idea.

However, if you are not the type to go on a shopping spree in a department store, Citi Rewards will make even grocery shopping worth your while. You can earn 5x Rewards Points for every RM 1 spent at the following grocery stores as well:

B.I.G Bens Independent Grocers, Cold Storage, Giant, Jasons Food Hall, Jaya Grocers, Village Grocers, Tesco, Servay and Everrise.

Shop and get more points to redeem everything from home appliances to accessories from the Rewards Points Catalogue.

Also, if the stores mentioned aren’t on your ‘go to’ list, you are still entitled to 1x Reward Point for every RM 1 you spend everywhere else. With the exception of fuel charges and purchases made at petrol stations.

Travel Privileges

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

Present your card along with a valid boarding pass and enjoy complimentary access to the Plaza Premium Lounge at 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.

And no. They haven’t forgotten the golfers out there. You can now enjoy 50% off all green fees both in and out of Malaysia.

Insurance and Protection

So if you were to take up the invitation to travel. Rest easy and know that both you and your supplementary card holders 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 protection and insurance on all your purchases for a total of 30 days, with a maximum of RM10,000 per item. This perk is particularly useful while on holiday so that you have a safety blanket for those rare and expensive finds.

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

Balance Transfer and Flexi Payments

Shopping, Travelling and Healthcare can be a burden on your finances, Citibank also offers you solutions to some of those problems. For a limited time, the Citibank Balance Transfer Plan is offering a maximum transfer of RM 225,000, with interest rates as low as 2.99%.

So consolidate your outstanding payments and stay out of debt.

Following a balance transfer, if you would prefer to make your credit card payments in smaller bites rather than huge chunks at the end of the month, check out the Citibank Flexi Pay Plan.

Spread out your payments to periods of up to 36 months and experience savings with interest rates as low as 0% for a minimum spend of RM500. This way you get buy those funky sunglasses, enjoy the benefits of this card and never have to worry about too many bills and expenses.

Things you may want to know

This is card that offers rewards and benefits no just here in Malaysia but all around the world. It has an incredibly high credit limit of RM 450,000 that give you plenty of wiggle room.

To be eligible for the card, all you need is an annual income of RM60,000 and prove that you are indeed over 21. It’s as simple as that, and can take literally 10 minutes. For a small annual fee of RM636, of which can be waived in the first year, you get to enjoy all this card has to offer and more.

So apply now and take advantage of some of the limited time offers and the exponential reach of the Citi Rewards Visa Signature.

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