Citibank Rewards World MasterCard credit card

Citibank Rewards World MasterCard

Entitlement, rewards and privilege are what follow when you have the Citibank Rewards World MasterCard. Enjoy the exclusivity of World MasterCard status.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.32% p.a. balance transfer over 30 months
  • Easy Payment Plan (EPP)
  • RM636.00 annual fee
  • Earn up to 5x reward points 

Apply online now for Citibank Rewards World MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Shop more at your favorite department and grocery stores and earn 5x Citi Rewards points for every RM 1 spent, and for all other retail purchases, earn 1x points for every RM 1 spent. Also, travel more and get 5x points for every RM 1 when you spend overseas.
Citibank Rewards Program
EarnSpent
5 points on every RM1selected local retail
1 point on every RM1other local retail
5 points on every RM1on all overseas retail
Balance Transfer
Stay on top of your outstanding balance and pay them off in bite size pieces with the Citibank Balance Transfer via Installment Plan. Enjoy interest rates from as low as 5.32 when you transfer from RM1000, and payment periods of up to 36 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1000 
9 months5.56% p.a. and no one-time upfront handling feefrom RM1000 
12 months5.44% p.a. and no one-time upfront handling feefrom RM1000 
18 months5.35% p.a. and no one-time upfront handling feefrom RM1000 
24 months5.32% p.a. and no one-time upfront handling feefrom RM1000 
30 months5.32% p.a. and no one-time upfront handling feefrom RM1000 
36 months5.33% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer via Instalment Plan
Easy Payment Plan (EPP)
Don't stress over those large purchases, sign up for the Citibank Flexi Payment Plan and stretch out those payments into periods of up to 36 months at much lower interest rates.
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
With Citibank World Privileges, your Citibank Rewards World MasterCard entitles you to discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more. You also get complimentary personal accident insurance up to RM 50,000.
Travel CoverageSum Insured
Personal AccidentUp to RM50000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM636.00
Annual Fee for Supplementary Card
RM159.00
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount
Contact-less Payment Methods
PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Any Business

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.
Balance Transfer
Citibank Balance Transfer via Instalment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Citibank Rewards World MasterCard review

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

Rewards, Privilege and Exclusivity is in the eye of the beholder when you have the Citibank Rewards World MasterCard at your disposal.

Rewards Everywhere

When you sign up for this amazing rewards card, you will be rewarded in kind. Don’t believe me? Test out the card with a massive shopping spree. Better yet, go on a trip overseas and take it with you. Now for every RM 1 spent overseas you will earn 5x Rewards points with a maximum cap of RM24,000 a year, based on the card expiry date.

Even if you’re not going overseas there are plenty of opportunities for you to earn Rewards Points, right here in Malaysia. You can earn 5x Rewards points to every RM 1 spent at the following participating department stores; AEON, Marks and Spencer, Metrojaya, Robinsons, Parkson, Tangs and Isetan.

With a maximum cap of RM3,000 a month, you’ve pretty much got Christmas every month. But don’t worry, if retail therapy isn’t your cup of tea, Citibank Rewards made regular old grocery shopping a whole lot more rewarding.

Get 5x Rewards Points for every RM 1, stock up on everyday staples at; B.I.G Bens Independent Grocers, Cold Storage, Giant, Jasons Food Hall, Jaya Grocers, Village Grocers, Tesco, Servay and Everrise. The more points collected mean that you can go crazy with the Citibank Rewards catalogue and get everything from accessories and home appliances.

However, if you’re not really a shopaholic, there are still rewards that will come your way. You will still get 1x Rewards Points for every RM 1, excluding transactions involving petrol and purchases at petrol stations.

Travel Perks

Rewards aside, this credit card offers you a whole lot more. If you are travelling overseas charge all your expenses and flights to the Citibank Rewards World MasterCard and get automatic Personal Accident Insurance for you and your supplementary cardholders of up to RM 50,000.

Also, enjoy VIP treatment with complimentary access to the Plaza Premium Lounge in KLIA for that extra bit of pampering before you get on a plane. Just present your Citibank Rewards Card and a valid boarding pass and you’re good to go.

As an added bonus, Citibank doesn’t only insure you but it looks out for the purchases that you make while on holiday. With a purchase protection of up to RM 10,000 per item, you won’t have to perpetually be worrying about those unique finds that you just had to get.

The world of privilege

If the card didn’t do enough already, then let’s add on the status of World MasterCard. As the name persists, this card allows you access to the most luxurious hotels worldwide, exquisite dining experiences and travel destinations to die for.

The World MasterCard gives you 24/7 World MasterCard Concierge services for any queries that you might have from anywhere in the world. Also you have a credit card that is accepted worldwide.

Not only does this card grant you luxury and access but it also takes into account your health. Get 20% OFF Executive Screening Packages and 15% OFF walk-in hospital room rates at participating hospitals such as KPJ healthcare and selected medical centres.

Balance Transfer and Flexi Payments

Ease up on the burden of expenses with Citibank’s Easy Payment plan that allows flexible payment periods of up to 36 months and experience savings with interest rates as low as 0% for a minimum spend of RM500.

So now you can make staggered payments of your credit card bill and still enjoy all the rewards. But if you are worried about external debt, check out the Citibank Balance Transfer via Installment plan for easier ways to consolidate your outstanding payments.

Sign up now and enjoy a limited time offer where you can do a maximum transfer of up to RM225,000, with interest rates as low as 2.99%. Let some smart money managing save you more and help you enjoy life a little better.

Important Details

The Citibank Rewards World MasterCard does as its name implies and has outstanding rewards. For a small annual fee of RM636 you too can enjoy its perks. As well as an incredible credit limit of RM 450,000.

Just meet the criteria of having an annual income of RM90,000, and you are able to prove that you’re over 21. That’s it, you are now invited to enter the World MasterCard universe.

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