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.

Shell-Citi Gold Credit Card8% Shell Cashback
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 8%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Save on your petrol expenses with up to 8% cashback at all Shell petrol stations in Malaysia.

Cashback categoryCashback rateMonthly capSpend
Shell Petrol4%RM250from RM300 up to RM999
Shell Petrol6%RM500from RM1,000 up to RM2,499
Shell Petrol8%RM800from RM2,500 and above

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.

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plans that offers you low interest rates. Pay off your debts in no time with smaller installments and a flexible repayment tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan

Easy Payment Plans

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%.

Citibank Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM500
12 months9.96% p.a. and no one-time upfront handling feeRM500
18 months9.84% p.a. and no one-time upfront handling feeRM500
24 months9.85% p.a. and no one-time upfront handling feeRM500
30 months9.91% p.a. and no one-time upfront handling feeRM500
36 months9.99% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Flexi Payment Plan
Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM195 primary card

    Free for first year when you swipe 3 times within 60 days

  • RM100 supplementary card
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, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Flexi Payment Plan
Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.

Review

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 expenditures.

8% Cash Rebates

If you favor Shell petrol station for some reasons, 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. 

How to earn up to 8% petrol rebate? Simply by charging a minimum of RM250 on your Shell petrol purchases, with a minimum total spend of RM300 on expenses such as groceries, dining, bill payments and traveling to your Shell-Citi Gold Credit Card every month.

Monthly Total Spend (Shell Fuel Spend + Non Fuel Spend)Rebate of Shell Fuel SpendMaximum Shell Fuel Spend to Earn Rebates
RM300 - RM9994%RM250
RM1,000 - RM2,499
6%RM500
RM2,500 and above8%RM800

Balance Transfer Promotion

Simplify your finances with Citibank balance transfer plans that offer low interest charges and flexible repayments. First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. for 12 months, with a minimum balance transfer of RM1,000.

Should you want to stretch your repayment capacity up to 36 months, you can apply for Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.

Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero fees - zero upfront fee, zero processing fee and zero early settlement fee, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000.

Just apply for a Citibank credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.

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 www.kpjhealth.com.my or check out the list of participating hospitals.

Flexi Payment Plan

Be it a birthday treat or self reward, you can afford the luxury items in your wish list with a swipe of Shell-Citi Gold Credit Card. It's so simple that you only require to make a minimum purchase of RM500, in a single receipt or accumulated retail transactions, then convert into FlexiPayment Plan!

You can choose to repay your installment from 6 to 36 months, with flat interest rate between 10.02% p.a. to 10.63% p.a..