Citibank Platinum Visa credit card

Also available as MasterCard

Citibank Platinum Visa

Enter a world of privileges. 5X Rewards points all year long, premium dining offers, and offset any purchases with your Citi Rewards points anytime!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM600.00 annual fee
  • Earn up to 5x reward points 


Because you should be rewarded for giving the bank your business

5x the reward points for every RM1 you spend at AEON, AEON Big, Marks & Spenser, Parkson, Robinsons, Tangs, Isetan and Metrojaya outlets including purchases at major hypermarkets in Malaysia such as Cold Storage, Tesco, Giant, Servay, Jasons Food Hall and Everise.
Citibank Reward Points
5 points on every RM1at selected local department stores and supermarkets
Rewards points earned never expires
Balance Transfer
Enjoy low interest rates of 0.99% p.a. over a 6-month period with Citibank Balance Transfer Plan.
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)
Longer payment terms of up to 36 months with flat interest rates ranging from 9.90% to 10.63% per annum. When you purchase at participating merchants, you can enjoy zero interest on instalment plan.
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 
Learn more about Citibank Flexi Payment Plan
Present your Citibank Platinum card for complimentary access to the Plaza Premium Lounge in KLIA. Just charge your travel tickets to Citibank Platinum and get free overseas travel insurance of up to RM50000 and purchase protection of up to RM25000 per occurrence.
Travel CoverageSum Insured
Personal AccidentUp to RM50000
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year when you swipe 3 times within 60 days
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 Platinum Visa 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 Visa credit card is offering cardholders additional security on top of other fabulous lifestyle privileges.

5x Reward Points

As a Citibank Platinum Visa cardholder, you will receive 5 reward points for every RM1 charged to this credit card when you shop at AEON, AEON Big, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan, Giant, Tesco, Cold Storage and many other department stores, supermarkets and hypermarkets in Malaysia. At supermarkets and hypermarkets, the 5X Citi Rewards points is capped at RM3,000 per month, after which, it will be back to 1X Citi Rewards points. Citi Reward Points never expire!

This generous reward points system allows Citibank Platinum Visa 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

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

To meet all your travelling needs, Citibank has a travel hotline for airlines and tour packages booking, at 603-62866222.

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 and purchase protection.

With such a wide spectrum of rewards and benefits, Citibank Platinum Visa 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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