Citibank Clear MasterCard credit card

Also available as Visa

Citibank Clear MasterCard

From your regular coffee run, to club nights, and shopping in the city, the Citibank Clear MasterCard gets you priority access to great rewards.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM95.40 annual fee
  • Earn up to 1x reward point 

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Every ringgit charged to your card earns you 1 Citi Rewards point, except for purchases at petrol stations. They never expire so you can redeem your points for gifts at any time, so save up your points for that super awesome tech gadget or even airmile voucher!
Citibank Reward Points
EarnSpent
1 point on every RM1on all local 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 of at least RM500.
Pay OverWith Interest Rate AtWhen You Spend
36 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 
Learn more about Citibank Flexi Payment Plan
Low Interest Rate
Best value 8.88% APR interest rate.
Premium
Great deals on nights out in Kuala Lumpur: discounts on club night entry at Phuture, Velvet Underground, and Zouk.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM95.40
  • Waived when you swipe 3 times within 60 days of approval. First year only.
Annual Fee for Supplementary Card
RM63.60
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RM21.20 or 5.30% of withdrawn amount, whichever is higher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 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 Clear MasterCard review

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

Why should you apply for this Card?

Are you an avid clubber? Then the Citibank Clear MasterCard is the perfect card for all your nighttime partying needs. With amazing discounts at popular clubs like Zouk and posh boutiques like Zara, the Citibank Clear MasterCard is everything you need for your big night out.

Discounts and Rewards on Clubs/Music

The Citibank Clear MasterCard entitles cardholders to discounts on entry passes to popular clubs such as Phuture, Velvet Underground and Zouk. Cardholders will also be entitled to 3 Citibank Rewards points for every Ringgit spent at Phuture, Velvet Underground and Zouk.

Buy 1 Free 1 Drinks at Coffee Bean & Tea Leaf

Get a complimentary drink, on the house, every Monday to Friday, at all outlets nationwide except Penang International Airport, KLIA2, HSBC Lebuh Ampang and East Malaysia outlets.

Exclusive Friday 1 For 1 Movie Deals

Movie Date Tonight? No sweat, the Citibank Clear MasterCard has got you covered. With one for one deals on movie tickets at all participating TGV, GSC and Cathy Cinemas, looks like movie night is on you.

Citibank Flexi Payment Plan

Can't pay your bills all at once? Fret Not. The Citibank Flexi Payment Plan offers cardholders comfortable repayment terms for their credit card bills with plans from 6 to 36 months - all you have to do is spend a minimum of RM500 on your Citibank card.

Low Interest Rate and Annual Fee

The Citibank Clear MasterCard offers one of the lowest interest rates on the market with 8.88% APR. In addition, the card also comes with a low annual fee of only RM90 with the annual fee waived for the first year. Hate paying annual fees? The Citibank Clear MasterCard comes with no annual fee if the card is swiped at least 3 times every 60 days.

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