Shell-Citi Gold Credit Card credit card

Shell-Citi Gold Credit Card

New enhanced Shell-Citi Gold Credit Card - combine all your spending to earn cash rebates of up to 8% on petrol at any Shell station nationwide.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 8% cashback
  • 5.32% p.a. balance transfer over 30 months
  • Easy Payment Plan (EPP)
  • RM195.00 annual fee
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Save on your petrol expenses with up to 8% cashback at all Shell petrol stations in Malaysia.
Discover how much you can save when you shop with your new Shell-Citi Gold Credit Card
Cashback CategoryCashback RateMonthly CapSpend
Shell PetrolSpend up to RM250 monthly4%RM10up to RM250 monthly
Shell PetrolSpendfrom RM251 up to RM500 monthly6%RM30from RM251 up to RM500 monthly
Shell PetrolSpendfrom RM501 up to RM800 monthly8%RM64from RM501 up to RM800 monthly
Balance Transfer
Consolidate any of your outstanding credit card debt with low-interest rates balance transfer plans. Pay off your debts in no time with smaller installments and flexible repayment tenure.
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)
Citibank Flexi Payment Plan offers flat interest rates with payment terms of 6 to 36 months. For the purchases at participating merchants, the instalment rate is 0%.
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
Petrol
Enjoy cash rebates of up to 8% on petrol expenses at any Shell petrol station all year round.
Premium
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
RM195.00
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
RM100.00
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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
Citi Quick Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Citibank Balance Transfer via Instalment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Shell-Citi Gold Credit Card review

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

Highlights of Shell-Citi Gold Credit Card


Shell-Citi Gold Credit Card
Highest cashback rate 8% cashback with a total monthly spend of RM2,500 and above
Highest cashback amount RM64 per month
Max spend to earn highest cashback amount RM800 per month
Eligible spend to earn highest cashback rate Fuel and non-fuel spends at Shell only
Eligible Cardholder(s) Principal and Supplementary

If you are a road warrior, you will love Shell-Citi Gold Credit Card!

This credit card is a smart partnership between Shell and Citibank to reward you with cash rebates on petrol spending and other expenditures.

 8% Cash Rebates

If you favor the Shell petrol station for some reason, then Shell-Citi Gold Credit Card will do your fuel preference some justices.

This cashback credit card gives you cash rebate up to 8% on petrol purchases at any Shell petrol stations nationwide based on a tiered system.

 

Shell-Citi Gold Credit Card Cashback
Monthly Total Spend (Shell Fuel Spend + Non-Fuel Spend) Rebate of Shell Fuel Spend Maximum Shell Fuel Spend to Earn Rebates
RM300 - RM999 4% RM250
RM1,000 - RM2,499 6% RM500
RM2,500 and above 8% RM800

 

Healthcare and Lifestyle Benefits

 

Shell-Citi Gold Credit Card Benefits


Health Benefits by KPJ Healthcare
  • 20% discount on Executive Screening packages
  • 15% discount on walk-in room rates
  • Valid at 25 participating hospitals
  • Only applicable for full payment made via Shell-Citi Gold Credit Card

 




Up to 50% discounts

Preferential treatment and discounts of up to 50% at over 25,000 establishments, worldwide for dining, shopping, golfing and travel.


Eligibility and Required Documents

Here are the requirements to apply for this Citibank credit card:

  • Min. annual income: RM24,000
  • Age: min. 21 years old (principal card), min.18 years old (supplementary card)

Remember to prepare these documents as well:

 

Shell-Citi Gold Credit Card Required Documents
Salaried Employee Self-employed Salaried Expatriate
Copy of MyKad (both sides) Copy of MyKad (both sides) Copy of Passport
Latest EPF statement / 2 months salary slip Copy of business registration form Latest 2 months salary slip
Latest EA Form Latest Form B with tax receipt Work permit (valid min.1 year during application)
Latest BE Form with tax receipt   Letter of employment

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