Citi Travel Account

A credit card that streamlines business expenses, gives 0.75% cashback on travel-related transactions and, insures against misuse by employees for up to RM75,000. Activate your new card via Citi Mobile® App with a temporary CVV and start spending.

Citi Travel AccountFree Corporate Insurance
Min. Income
Annual Fee
up to 0.75%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.


0.75% cashback on travel-related expenses with a minimum redemption amount of RM200.

Cashback categoryCashback rateMonthly capSpend
Travel-related expenses0.75%uncappedany amount monthly


Simplify business expenses in a single payment solution. Complimentary Corporate Liability Waiver Insurance of up to RM75,000 per cardholder to protect against misuse by employees. 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. Read more on our Review below.

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Late Payment Fee
RM50 or 3.5% of outstanding amount, whichever is higher
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RM20 or 5% of withdrawn amount, whichever is higher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


Minimum Annual Income
Minimum Age
  • 21 years old primary card
Who can apply
  • Any Business



Managing a business is not like walking in the park. The next thing you know, employee travel costs and itinerary management becomes an extra nightmare to waddle through. 

Your HR staff won't probably have the luxury of time to chase down all those travel receipts, which is why you might want to think of simplifying everything with the Citi Travel Account.

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

Simplify Business Expenses 

Gain better control of your employee's travel expenses via a centralized account and comprehensive reporting. 

It works simply: Citi Travel Account makes hotel bookings, flight ticket purchases, car rental and other miscellaneous travel in one consolidated account. 

And once you’re done with all the bookings, Citibank will send your company a monthly statement with a breakdown of all travel items charged to your credit card.

Travel Cashback

Traveling is an expensive business, if not properly managed - which is why even a fraction of savings goes a long long way in balancing the ledgers. 

Get 0.75% cashback on all travel-related expenditures with Citi Travel Account, with no monthly or annual cap.

Your accumulated cashback can be redeemed when it reaches a minimum of RM200. To redeem it, call Citibank’s Business Priority hotline at 03 2383 3388. 

If you do not want to redeem it, the unredeemed cashback will be carried forward to the following month.

Balance Transfer Plans

Simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. 

First of all, 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.

Then, you also have a Balance Transfer via Installment Plan that you can pay from 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.

Control and Protection

No business is insusceptible to fraud, therefore, Citi Travel Account is equipped with an insurance protection to cover you company coffer against misuse from your own employees.

This Corporate Liability Waiver Insurance of up to RM75,000 per cardholder is underwritten by AIG Malaysia Insurance Berhad.

"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."

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