Giant Citibank Credit Card credit card

Giant Citibank Credit Card

Save BIG and enjoy up to 5% cash rebate at Giant and special credit card member prices whenever you shop at Giant Malaysia.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM120.00 annual fee


Because you should be rewarded for giving the bank your business

Earn up to 5% cash rebate at Giant Hypermarket and 2% on selected dining and utilities expenses.
Discover how much you can save when you shop with your new Giant Citibank Credit Card
Cashback CategoryCashback RateMonthly CapSpend
 Spendfrom RM1 up to RM8002.5%RM20from RM1 up to RM800
 Spendfrom RM800 and above 5%uncappedfrom RM800 and above
Balance Transfer
Pay off outstanding balances transferred from other credit cards at 6.99% interest over 12 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)
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 months10.57% 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
Citibank will book your travel, golf and spa packages and hotel accommodation for almost anywhere in the world
Travel CoverageSum Insured
Travel InsuranceUp to RM100000
Low Interest Rate
Save on interest payments with an effective APR of 8.88% on outstanding card balances.
Citibank World Privileges allows you preferential treatment and discounts of up to 50% at over 25,000 establishments, worldwide for dining, shopping, golfing and travel.

Fees & Charges

There are always fees but how much are they?

Annual Fee
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


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.

Giant Citibank Credit Card review

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

Many people shop at hypermarkets for the convenience of getting everything under one roof and savings which come with the best deals in prices.  Now, there is another way to stretch your Ringgit when you shop at Giant Hypermarket – Giant-Citibank Credit Card.

5% Cashback

By charging your purchases at Giant Hypermarket to Giant-Citibank Credit Card, you can earn up to 5% cash rebate. Cashback of up to 2% is applicable for dining and utilities spending at selected merchants.

Cardholders will be rewarded according to a 2-tier cashback system. Those who charge less than RM800 per month to Giant-Citibank Credit Card will receive a 2.5% rebate on retail spending at Giant and 1% cashback on dining and utilities. For monthly spending of RM800 and above, rebate rates are at 5% and 2% on Giant purchases and dining and utilities expenditure respectively. Total cashback per year is capped at RM600.

SOS Services

Giant-Citibank Credit Card cardholders also have access to 24-hour emergency roadside assistance with just one phone call. The services include jump starting your car, tyre changes, battery request, petrol delivery and tow truck.

Healthcare Benefits

Exclusive healthcare benefits are offered to Giant-Citibank Credit Card cardholders. They can enjoy special discounts on selected healthcare packages. This privilege is valid at participating hospitals in the KPJ Healthcare Network.

Travel Perks

Many travel benefits are also included in Giant-Citibank Credit Card. They include 24-hour assistance service to help you book your travel, golf and spa packages as well as make hotel reservations all around the world. Travel advisory service is also available to those who need information on their destination such as visa requirements, weather conditions and more.

Complimentary overseas personal accident insurance coverage of up to RM100000 is provided. Moreover, Giant-Citibank Credit Card also allows cardholders to enjoy preferential treatment and discounts of up to 50% at over 25000 establishments worldwide.

Low Interest Rate

Citibank offers an effective annual percentage rate ( APR) of 8.88% for many of its credit cards including Giant-Citibank Credit Card. This APR is one of the lowest rates in the market compared to the 15% recommended by Bank Negara Malaysia. Hence, cardholders will save a significant amount of interest payments on outstanding card balances.

Balance Transfer

Citibank Balance Transfer allows cardholders to transfer outstanding balances from other credit cards and charge cards to Giant-Citibank Credit Card. Payment for this combined debt can be made over 12 months at 6.99% interest per annum.

Easy Payment Plan ( EPP)

Under the Citibank Flexi Payment Plan, Giant-Citibank Credit Card cardholders can pay for any retail purchases of RM500 and above over 6 to 36 months. This plan also offers flat interest rates of 9.84% to 10.57% per annum to generate more savings.

A Family Card

With the minimum annual income requirement of just RM24000 and an annual fee of RM120, Giant-Citibank Credit Card is easy to own and maintain. This credit card will help you save more when you shop at Giant, making it ideal for budget-conscious families or individuals.

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