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
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM206.70 annual fee

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Apply online now for Shell-Citi Gold Credit Card

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Because you should be rewarded for giving the bank your business

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 PetrolSpendfrom RM300 up to RM999 monthly4%RM10from RM300 up to RM999 monthly
Shell PetrolSpendfrom RM1000 up to RM2499 monthly6%RM30from RM1000 up to RM2499 monthly
Shell PetrolSpendfrom RM2500 and above monthly8%RM64from RM2500 and above monthly
Balance Transfer
Get a Citibank Balance Transfer and enjoy low interest rate of 0.99% p.a. on your transferred balance.
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)
Citibank Flexi Payment Plan offers flat interest rates ranging from 9.90% to 10.63% per annum 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
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
Enjoy cash rebates of up to 8% on petrol expenses at any Shell petrol station all year round.
Citibank World Privileges allows you preferential treatment and discounts of up to 50% at over 25000 establishments, worldwide for dining, shopping, golfing and travel.

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
Contact-less Payment Methods

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.

Shell-Citi Gold Credit Card review

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

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 cardholders with cash rebates on petrol spending and other expenditure.

8% Cash Rebate

Shell-Citi Gold Credit Card enables cardholders to earn cash rebate on petrol purchases at any Shell petrol station nationwide based on a tiered system. Rebates are calculated on total monthly combined spending charged to the credit card including petrol, shopping, dining and mobile expenses.

Cash back for cardholders who charge between RM300 to RM999 a month to Shell-Citi Gold Credit Card will receive a 4% rebate. If your monthly spend on this credit card is between RM1000 to RM2499 the rebate rate goes up to 6%. For those who charge more than RM2500 per month to Shell-Citi Gold Credit Card, they can earn 8% cashback.

Healthcare Benefits

If you've yet to get yourself a medical card or critical illness insurance policy, you will already have comprehensive healthcare packages to help you financially through any illness or injury. You will be getting:

  • 20% discount for established Executive Screening Packages. This excludes specialists' consultation charges.
  • 15% discount when admitted into a hospital room. Applicable only from RM120 and above.

These discounts will only be in force if your payments are made in full with your Shell-Citi Gold card and valid at 25 participating hospitals only. For further information, visit or check out the list of participating hospitals.

Savings in Interest

This credit card also includes Citibank Balance Transfer Plan which offers 0.99% interest per annum on a 6-month payment term for all outstanding card balances transferred from other credit cards and charge cards.

Easy Payment Plan ( EPP)

It is also easy to pay for expensive purchases using the Citibank Flexi Payment Plan included in Shell-Citi Gold Credit Card. Under this plan, cardholders can opt to pay for any retail purchases above RM500 with flat interest rates ranging from 9.84% to 10.57% per annum for up to 36 months.

Big Petrol Saver

Cardholders who swipe Shell-Citi Gold Credit Card at least 3 times within the first 60 days of the approval date will receive an annual fee waiver of RM206.70 for the first year. Thereafter, cardholders can easily rake up huge savings on petrol expenses and interest payments with Shell-Citi Gold Credit Card to offset the annual fee.

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