Citibank Gold Visa credit card

Also available as MasterCard

Citibank Gold Visa

Rewarding you with a golden touch - Citibank Gold Visa offers 3X CitiRewards Points at major department stores and hypermarkets.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM206.70 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Enjoy 3X Citi Rewards points when you shop at major stores in Malaysia.
Balance Transfer
Citibank Balance Transfer offers 6.99% 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 9.96%. Pay zero interest on purchases at participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
6 months10.63% p.a. and no one-time upfront handling feefrom RM500 
12 months10.02% p.a. and no one-time upfront handling feefrom RM500 
18 months9.9% p.a. and no one-time upfront handling feefrom RM500 
24 months9.91% p.a. and no one-time upfront handling feefrom RM500 
30 months9.97% p.a. and no one-time upfront handling feefrom RM500 
36 months10.05% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Travel
Citibank World Privileges offers you preferential treatment and discounts of up to 50% at over 24,000 establishments worldwide for dining, shopping, golfing and travel. You'll also get free insurance for any trips booked on your credit card.
Travel CoverageSum Insured
Travel InsuranceUp to RM100000
Low Interest Rate
Best value 8.88% APR interest rate.
Premium
With your Gold Card, you can also enjoy access to KPJ exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM206.70
Annual Fee for Supplementary Card
RM106.00
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RM21.20 or 5.30% of withdrawn amount, whichever is higher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.