Citibank Choice MasterCard credit card

Also available as Visa

Citibank Choice MasterCard

Get the freedom to make the purchases you’ve always wanted, while enjoying the peace-of-mind the Citibank Choice credit card brings.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 50x reward points 

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Enjoy 50 Rewards Points for every RM50 spent per transaction except for petrol station purchases and these points never expire. Over 200 exclusive rewards to choose from!
Citibank Rewards Program
EarnSpent
50 points on every RM50on all local and overseas expenses
Rewards points earned never expires
Balance Transfer
Citibank Balance Transfer offers 8.99% interest on a 12 month payment term.
Pay OverWith Interest Rate AtWhen You Transfer
9 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Easy Payment Plan (EPP)
Citibank Flexi Payment Plan offers payment terms of 6 to 36 months on any retail purchases at interest rates from 9.84%. Pay 0% interest for instalment on purchases at participating merchants.
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
Travel
Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and more.
Travel CoverageSum Insured
Delayed LuggageUp to RM250
Low Interest Rate
Best value 8.88% APR interest rate.
Premium
1-Hour Card Replacement when your credit card is lost, stolen or damaged. You will also enjoy zero liability once you have reported your Citibank credit card lost/stolen.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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.
Cash Advance / Cash Loan
Citibank Dial For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Citibank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.