Citibank Rewards Platinum Visa Card credit card

Citibank Rewards Platinum Visa Card

Enjoy the flexibility to choose your preferred spending categories to earn 5X rewards points. More rewards to be had when you spend on the things that matter the most.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM106.00 annual fee
  • Earn up to 5x reward points 


Because you should be rewarded for giving the bank your business

Choose a minimum of 2 Rewards categories namely Shopping, Driving, Home, Travel, and Entertainment to get 5X accelerated Rewards points all year round. For new principal cardmember, enjoy 2 complimentary categories in the first year. Collect your points at Robinsons, Padini, Topshop, shu uemura, Uniqlo, Tangs, Shell, Tesco, AirAsia, GSC and many more.
Citibank Rewards Program
5 points on every RM1at selected local merchants
Rewards points earned never expires
Balance Transfer
Repay your outstanding credit balance at low interest rates of 0.99% p.a. over a 6-month period.
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)
Easy payment plan with flat interest rates of 9.90% to 10.63% per annum for payment terms of 6 to 36 months. Enjoy 0% interest for instalment up to 36 months if you make purchases at participating merchants.
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

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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


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 Rewards Platinum Visa Card review

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

It is great to earn reward points from shopping with your credit card but it would be fantastic if you could be rewarded for spending on what you love most. Citibank Rewards Platinum Card offers just that and much more.

Choose Your Rewards

With Citibank Rewards Platinum Card, cardholders can choose to earn reward points from five categories – shopping, driving, home, travel and entertainment. For every RM1 charged to Citibank Rewards Platinum Card at participating merchants in each category, cardholders will receive 5 evergreen Rewards Points.

Shopping Parkson, Padini, Robinsons, Shu Uemura, Marks & Spencer, Zara, Mango, Tangs, Topshop, Topman, Charles & Keith, Uniqlo, SASA
Driving Shell, Petronas, Caltex, BHP, Esso Mobil, Petron
Home Tesco, AEON, AEON BIG, Giant, Guardian, Watson, IKEA, Cold Storage, Senheng, Harvey Norman, Toys R Us, ACE Hardware
Travel AirAsia, Malaysia Airlines, Firefly, Samsonite, Universal Traveller
Entertainment GSC, TGV, Secret Recipe, MPH, Popular, Coffee Bean, Nando's, Sakae Sushi, Baskin-Robbins, T.G.I. Friday's, Domino's, Neway, Madam Kwan's, Dragon-I, Vietnam Kitchen, Borders

For rewards categories that you are not subscribed to (except for petrol transactions), you will earn 1 Rewards Points for RM1 spent. These reward points can be used to exchange for Instant Rewards at Citibank’s participating merchants, offset purchases you have made or redeem gifts, air tickets or cash vouchers via the Citibank Rewards Catalogue. 

A monthly cap of RM1,000 is applicable to all categories except Travel, where a yearly cap of RM12,000 applies. Any spending beyond these caps will have a 1X points earning except for the Driving category. No points are earned after the monthly cap of RM1,000 is exceeded.

The subscription period for a Rewards category starts from the date you add the category and ends on your card anniversary date.

Annual Fee

The annual fee for Citibank Rewards Platinum Card is calculated based on the number of spending categories selected. Each category has an annual subscription fee of RM106. For every RM15,000 charged on your principal card in a year, the subscription fee for one category will be waived for the following year.

For starters, cardholders are required to choose a minimum of two categories and can enjoy two categories for free in the first year. New cardholders who spend RM2000 within 60 days from the card approval date will also receive 20,000 Rewards Points.

Rewards You Love

With the flexibility to choose and change the categories you want to be rewarded on based on your lifestyle, Citibank Rewards Platinum Card is definitely a winner in terms of giving cardholders what they need whenever they need it.

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