Citibank Rewards Platinum MasterCard credit card

Citibank Rewards Platinum MasterCard

Citibank Rewards Platinum credit card lets you earn the best rewards by spending on the things you like.

  • 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 5x reward points 


Because you should be rewarded for giving the bank your business

Earn 5x the CitiRewards when you spend in these Rewards Categories for Shopping, Driving, Home, Entertainment and Travel. With no annual fees simply pay for subscription fees at RM106 inclusive of 6% GST for each of these categories.
5 points on every RM1on Shopping
5 points on every RM1on Driving
5 points on every RM1on Home retail
5 points on every RM1on Entertainment
5 points on every RM1on Travel expenses
5 points on every RM1on Overseas Spend
1 point on every RM1all other retail
Rewards points earned never expires
Balance Transfer
If you've acquired some debt on your old cards, consolidate them under the Citibank Balance Transfer Plan and pay off your outstanding balances at only 2.99% interest with a repayment tenure of up to 9 months!
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)
Shop to your hearts content with the Citibank Flexi Payment Plan. Convert those larger purchases into smaller installments with repayment terms of 6 to 36 months on any retail purchases at lower interest rates from 9.84%. If that wasn't enough you also have the option to shop at Selected merchants and pay no interest rates at all with the Citibank Easy Pay!
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
Aside from getting 5x the rewards points when you buy flight tickets you can also cash in your CitiReward Points for Airmiles and other premium travel privileges
Skip the boarding lounges that are too crowded for words. Take advantage of having Unlimited complimentary access to Plaza Premium Lounge in KLIA.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Late payment fee
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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 Rewards Platinum MasterCard review

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

Having a good credit card on your side can be a highly advantageous. Some cards come with specialized discounts and offers, some have great cashback. This card comes with great rewards points.

Explain what’s so special about it?

The Citi Rewards Platinum is a card that lives up to its name because cardmembers have the option of subscribing to 5 different Rewards Categories. Whatever you shop for within your subscribed categories will earn you 5x Rewards Points for every RM1 spent.

Which means you’ll be earning rewards at lightning speeds. The more you collect the better the benefits.

Rewards rewards rewards

So these are the rewards categories that Citibank offers you, all the biggest brands and the most accessible stores. This means, whether you choose to subscribe to one or all of these categories its always a win win. You get to earn 5x the rewards for every RM1 you spend in each of these places. 

The Shopping Category

  • Parksons, Robinsos, Tangs, Marks & Spencer, Padini, Topshop, Topman, Zara, Mango, Charles & Keith, Uniqlo, Shu Uemura and SASA

The Home Category includes;

  • Tesco, Giant, AEON, AEON BIG, Senheng, ACE Hardware, Watsons, Cold Storage, IKEA, Guardian, Harvey Norman and Toys 'R' Us

The Entertainment Category has;

  • Borders, MPH, Popular, GSC and TGV Cinemas, Secret Recipe, Coffee Bean, Vietnam Kitchen, Madam Kwan's, T.G.I Friday's, Nando's, Dragon-i, Sakae Sushi, Baskin Robins, Domino;s and even Neway!

The Driving Category, for all your petrol needs;

  •  Petronas, BHP, Shell, Caltex, Petron, or Esso Mobil you get to earn rewards points. 

Lastly the Travel Category for flights and travel gear;

  • Fly Malaysia Airlines, Air Asia, Firefly, Universal Traveller and Samsonite

Your rewards earnings are capped at RM1000 per month for each category except for Travel. Instead of a monthly cap, Travel rewards are capped annually at RM12,000.

Hold up, if your favorite place to shop isn't on the list, you can still earn rewards everywhere you spend with 1x Rewards for every RM1 you spend. 

Any fees?

Yes there are, instead of a card annual fee there is an annual subscription fee of RM106 inclusive of 6% GST, that comes with each category. It is essentially up to you how many categories you’d like to subscribe to. Similarly, there are no card annual fees for supplementary cards, only the subscription fee based on which rewards category you choose. 

Upon signing up for the card, you will have to pick at least two categories if not more. But don’t worry after a year you can switch them out for one of the other categories, add more or even exclude them all together.

How do I subscribe?

Easy, with the world going online, you can both manage and customize your subscriptions via the Citibank Mobile App or Citibank Online.

The subscription period for the rewards categories you choose are from the date you choose them to the card anniversary date. This means that you’ll be charged on a pro-rated basis, and not for a full year depending on when you sign up for it.

Any other perks?

Well, there is a little bit of a gift for new customers picking up the Citi Rewards Platinum. As a welcome gift Citibank will offer you 20,000 rewards points when you spend a total of RM2000 within the first 6 months of getting the card.

Another deal that cardmembers have is a way to waive your Reward Categories Subscription. Simply spend a total of RM15,000 per annum and get the fee for one of your subscriptions waived. To get more than one subscription free spend an extra RM15,000 per annum.

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