Citibank Platinum MasterCard credit card

Also available as Visa

Citibank Platinum MasterCard

Check into a world of privileges - the Platinum MasterCard offers 5X CitiRewards, 20% premium dining discounts, and a warranty on purchases.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM636.00 annual fee
  • Earn up to 5x reward points 


Because you should be rewarded for giving the bank your business

Receive 5 reward points for every RM1 spent at local major department stores such as AEON, AEON Big, Marks & Spencer, Metrojaya, Parkson, Robinsons, and Tangs as well as supermarkets and big name hypermarkets Cold Storage, Everise, Giant, Jasons Food Hall, Servay, and Tesco. Maximum spend each month is set at RM3,000.
Citibank Reward Points
5 points on every RM1at selected local department stores and supermarkets
Rewards points earned never expires
Balance Transfer
Settle outstanding balances from other credit cards at 8.99% interest rate for 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)
Longer payment terms of up to 36 months with flat interest rates ranging from 9.84% to 10.57% per annum.
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
Present your Citibank Platinum card for complimentary access to the Plaza Premium Lounge in KLIA, Langkawi International Airport and Sultan Ismail International Airport in Johor. Enjoy hot meals, free flow beer, and high-speed internet connection.
Low Interest Rate
Save on interest payments for outstanding card balances with an effective APR as low as 8.88%.
With your Platinum Card, you can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health. Eligible purchase on Citibank Platinum Card are protected for 30 days up to maximum of RM30,000 per item, RM75,000 per occurrence.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when 3 swipes within 60 days
  • Waived when Citigold card member
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


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


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.

Citibank Platinum MasterCard review

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

Having a credit card which gives you more reward points is great but having extra protection for your purchases and your life when you are on the road is definitely a bonus. Citibank Platinum MasterCard is offering cardholders additional security on top of other fabulous lifestyle privileges.

5x Reward Points

As a Citibank Platinum cardholder, you will receive 5 reward points for every RM1 charged to this credit card when you shop at AEON, Marks & Spencer, MetroJaya, Parkson, Robinsons, Tangs, Giant, Tesco, Carrefour, Cold Storage and many other department stores, supermarkets and hypermarkets in Malaysia. Retail transactions amounting to a maximum of RM3000 are eligible to earn reward points. Citi Rewards points never expire!

This generous reward points system allows Citibank Platinum cardholders to quickly accumulate points to redeem a wide variety of rewards including shopping & dining vouchers, health & beauty products, latest IT gadgets, home appliances, fashion & accessories, Air Miles and more. In addition, the reward points collected can also be used to offset your purchases above RM200 at selected merchants in the country.

Travel Benefits

Before embarking on your journey across the pond, make use of the Citibank Patinum Travel Hotline at 603-62866222, for all your booking needs and inquiries.

Citibank Platinum cardholders also get to travel in comfort and style. Cardholders have complimentary access to the Plaza Premium Lounge at KLIA, Langkawi International Airport and Sultan Ismail International Airport. Facilities you can enjoy at these lounges include freshly prepared hot meals and beverages, free flow of draught beer, massage chairs, free Internet access, reading material, TV area and more.

Premium Perks

This credit card is also packed with other premium privileges such as 20% discount at selected premium dining outlets, exclusive healthcare packages at KPJ Specialist Hospitals, purchase protection and refund protection. The annual fee of RM600 can be waived with just 3 swipes within 60 days.

With such a wide spectrum of rewards and benefits, Citibank Platinum cardholders are definitely getting a good deal. Moreover, this credit card provides total peace of mind with its comprehensive protection for cardholders.

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