Citibank Choice Visa credit card

Also available as MasterCard

Citibank Choice Visa

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

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 50x reward points 


Because you should be rewarded for giving the bank your business

Enjoy 50 Rewards Points for every RM50 spent per transaction except for petrol station purchases and your points will never expire. Take your time accumulating points and choose from over 200 exclusive gifts and prizes for the whole family!
Citibank Rewards Program
50 points on every RM50on all local and overseas expenses
Rewards points earned never expires
Balance Transfer
Don't pay tiered interest rates! Citibank Balance Transfer offers 0.99% interest p.a. for 6 months' repayment term.
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)
Payment terms of 6 to 36 monthly instalments on any retail purchases with flat interest rates ranging from 9.90% to 10.63% per annum. Zero interest instalment on purchases at participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
48 months0% one-time upfront handling feefrom RM500 
Learn more about Citibank Easy Pay Plan
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 
48 months9.99% p.a. and no one-time upfront handling feefrom RM500 
60 months9.99% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and more.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


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
Malaysians and Permanent Residents


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

Easy Payment Plan
Citibank Easy Pay 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.

Citibank Choice Visa review

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

Being able to buy whatever your heart desires is great. Getting rewarded for your purchases is even better. Citibank Choice Visa credit card will grant you the freedom to make your own choices and be rewarded for them.

Reward Points

As a Citibank Choice Visa cardholder, you can earn reward points as you shop in Malaysia or around the world. While petrol spending is excluded from this reward scheme, you can earn points by spending on any other categories such as groceries, utilities, electronics, food and more. For every RM50 charged to this credit card, cardholders earn 50 reward points.

Another good thing is the reward points never expire. Hence, cardholders have plenty of time to accumulate points and redeem the reward items of their choice. They also get to choose from a wide variety of redemption categories such as vouchers, health & beauty products, travel packages, latest gadgets, home appliances, fashion & accessories, Air Miles and more.

Shopping Privileges

Being an internationally recognised credit card, Citibank Choice Visa can offer cardholders many exciting discounts and shopping privileges all year round. Cardholders have access to fantastic offers at over 1000 local and 24000 global boutiques, retail outlets, hotels and restaurants.

Flexi Payment Plan

Citibank Choice Visa also makes it easier to own the things you love. With its easy payment plan ( EPP), now you can buy expensive items and don’t have to worry about paying for them all at once. Cardholders will just need to swipe a minimum RM500 purchase to Citibank Choice Visa to qualify for this easy payment scheme.

Balance Transfer

This credit card is also equipped with a Balance Transfer plan which allows its cardholders to manage their finances with ease. Citibank Balance Transfer offers a payment term of 9 months with interest rate of 2.99% p.a. on outstanding balances transferred from other credit cards or charge cards.

My First Card

With an annual income requirement of just RM24000 anyone aged 21 years old can apply for Citibank Choice Visa, making this an ideal card for fresh graduates or those who have just secured their first job. Best part is, you won't have to pay any annual fees ever!

Complete with reward points, shopping privileges, low APR, balance transfer and EPP, Citibank Choice Visa has all the features required of a basic credit card and more. First-time credit card owners can surely enjoy the financial freedom provided by this card.

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