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)
  • RM195.00 annual fee

Free Oppo A71k & More!

Free Oppo A71k & More!

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 and above4%uncappedfrom RM300 and above
Shell PetrolSpendfrom RM1000 and above6%uncappedfrom RM1000 and above
Shell PetrolSpendfrom RM2500 and above8%uncappedfrom RM2500 and above
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
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 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 25,000 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
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
Contact-less Payment Methods
Visa payWave


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
Citi Quick 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 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
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 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..

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