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- Fees and Charges
Effective 1 September 2018, the Sales and Services Tax (SST) will be replacing the existing Goods and Services Tax (GST).
View all detailed fees and charges on one consolidated page here easily and conveniently.
Credit Cards
| Types of Charges | Amount / Rate | Remarks | |
|---|---|---|---|
| 1) | Service Tax | RM25 | RM25.00 will be imposed on each principal and supplementary credit card and charge card upon new card activation date and subsequently, upon the anniversary of your card approval date. Note: For CitiBusiness (Business Underwriting), Citi Business Signature and Citi Travel Account, RM25.00 will be imposed upon the principal card account on its approval date and subsequently, upon the anniversary of its approval date. For each supplementary card(s), RM25.00 will be charged upon card activation date, and subsequently upon the anniversary of each card(s)’s approval date. |
| 2) | Citi Business Signature Card | ||
| a) Full Corporate Liability | Charge Card. | ||
| - Annual Principal Card Membership | Nil | ||
| - Annual Supplement Card Membership | Nil | ||
| 3) | Citi Travel Account | Charge Card. | |
| - Annual Principal Card Membership | Nil | ||
| - Annual Supplement Card Membership | Nil | ||
| 4) | Citi Prestige Mastercard® World Elite | ||
| - Annual Principal Card Membership | RM1000 | ||
| - Annual Supplement Card Membership | Free | ||
| 5) | Citi PremierMiles Card | ||
| - Annual Principal Card Membership | RM600 | ||
| - Annual Supplement Card Membership | Nil | 6) | Citi Rewards Platinum Card |
| - Annual Principal Card Membership | RM 100 per annum per Rewards Category | Adding a Rewards category will incur a subscription fee of RM100 which will be pro-rated based on the remaining months till your card anniversary date | |
| - Annual Supplement Card Membership | Free | ||
| 7) | Citi Rewards Card | ||
| - Annual Principal Card Membership | RM600 | ||
| - Annual Supplement Card Membership | RM150 | ||
| 8) | Citi Gold Card | ||
| - Annual Principal Card Membership | RM195 per annum | ||
| - Annual Supplement Card Membership | RM100 per annum | ||
| 9) | Citi Silver Card | ||
| - Annual Principal Card Membership | RM70 | ||
| - Annual Supplement Card Membership | RM45 | ||
| 10) | Citi Clear Card | ||
| - Annual Principal Card Membership | RM90 | ||
| - Annual Supplement Card Membership | RM60 | ||
| 11) | Lazada Citi Platinum Mastercard | ||
| - Annual Principal Card Membership | RM100 | Following year(s) waived if customer spends an annual minimum of RM15,000 on principal card during current year. The 12-month spend accumulation will start after cardmembers’ first statement cycle. |
|
| - Annual Supplement Card Membership | RM70 | Following year(s) waived if customer spends an annual minimum of RM15,000 on supplementary card during current year. The 12-month spend accumulation will start after cardmembers’ first statement cycle. |
|
| 12) | Citi Cash Back Card | ||
| - Annual Principal Card Membership | RM120 | ||
| - Annual Supplement Card Membership | RM60 | ||
Citi Cash Back Platinum Card - Annual Principal Card Membership |
RM195 | ||
| - Annual Supplement Card Membership | RM100 | ||
| 13) | Citi Choice Card | ||
| - Monthly Principal Card Membership | Nil | ||
| - Annual Supplement Card Membership | Nil | ||
| 14) | CitiBusiness Visa Gold | ||
| - Annual Principal Card Membership | RM200 | ||
| - Annual Supplement Card Membership | RM100 | ||
| 15) | Citi Business Platinum Card | ||
| - Annual Principal Card Membership | RM200 | ||
| - Annual Supplement Card Membership | RM100 | ||
| 16) | Citi Simplicty+ Card | ||
| - Annual Principal Card Membership | Nil | ||
| - Annual Supplement Card Membership | Nil | ||
| 17) | Fees and Charges a) Finance Charges: i. Purchases |
Maximum rates (daily interest) for the following categories:- (1) 15% p.a. - Cardmembers who promptly settle their Minimum Monthly Payment due for twelve (12) consecutive months. (2) 17% p.a. - Cardmembers who promptly settle their Minimum Monthly Payment due for ten (10)/ eleven (11) months in the last twelve (12) consecutive months. (3) 18% p.a. - Cardmembers who make nine (9) months or less prompt payments of their Minimum Monthly Payment in the last twelve (12) consecutive months. |
Frequently Asked Questions *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date. |
| ii. Cash Advance | 5% of cash amount (min RM 20.00)* and 18% per annum daily interest. | *Not applicable to Citi Prestige and Citi Travel Account. For Citi Business Signature (Full Corporate Liability), only 5% of cash amount (min RM20.00) is applicable. | |
| iii. Balance Transfer | Up to 8.99%* per annum daily interest on the total Balance Transfer amount. *This may be offered at lower promotional rates for stated period. | *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. | |
| iv. Balance Transfer Instalment | Up to 9.9% per annum (Effective Interest Rate). |
*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. | |
| v. Quick Cash | Up to 17.9% per annum (Effective Interest Rate). Cash advance fee up to 2%. |
5% of outstanding principal for cancellation/early settlement. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. |
|
| vi. Citi PayLite | Up to 17.9% per annum (Effective Interest Rate). |
5% of outstanding principal for cancellation/early settlement. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. |
|
| vii. Citi FlexiBill | Up to 17.9% per annum (Effective Interest Rate). |
5% of outstanding principal for cancellation/early settlement. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. |
|
| viii. Easy Payment Plan | 0% | *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. | |
| b) Credit Shield Select | RM0.60 for every RM 100 monthly statement balance. | *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. | |
| c) Minimum Monthly Repayment | 5% of outstanding balance* (if any) + 100% service tax (if any) + 100% Monthly Instalments** (if any) + 100% past due amount (if any); OR
RM50; whichever is higher If your Current Balance is below RM50, the Minimum Monthly Payment will be 100% of your Current Balance *Outstanding balance refers to retail transactions (if any) + Balance Transfer amount (if any) + Cash Advance amount (if any) + finance charges and fees (if any). **Monthly Instalment refers to the sum of all contracted monthly instalments which includes auto balance conversion, easy payment plan, credit card instalment plan and other instalment plans available from time to time. |
*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date. Frequently Asked Questions |
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| d) Late Payment Charge | If minimum payment is not made by payment due date, a late payment charge will be levied at 1% of unpaid balances from retail transactions and cash advances, subject to a minimum of RM10, up to a maximum of RM100. | *Not applicable to Citi Prestige and Citi Simplicity+. For Citi Business Signature (Full Corporate Liability) and Citi Travel Account, a minimum of RM 50 or 3.5% of total outstanding balance as at statement date (whichever is higher). Frequently Asked Questions |
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| e) Interest free period | 20 days from the statement date and applicable only for cardmember who pays in full on or before the payment due date. If cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day transactions are posted to the card account. | *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date. | |
f) Conversion for overseas transactions If a transaction is made in foreign currency, the transaction will be converted into Ringgit Malaysia using US Dollars as the base currency on the date on which the transaction is received and processed by Citibank and/or Mastercard Worldwide, Visa International or the relevant Card Payment Network ("Payment Network"). Transactions in foreign currency other than Ringgit Malaysia shall be converted at Citibank’s prevailing foreign exchange rate and/or an exchange rate determined by the relevant Payment Network. The conversion rate is subject to an administration charge up to 1.40% levied by the Payment Network and in addition, a 1.00% foreign exchange conversion markup will be levied by Citibank on the converted Ringgit Malaysia amount, or such other rate as determined by Citibank and notified to you. SMS alerts for overseas Mail/Telephone Order transactions may indicate an estimated amount; final amount will be in your next statement. Pending transactions which appear on Citibank Online and/or Citi Mobile App are those that have been approved but are pending final settlement by the merchant. Further, in relation to pending transactions:
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| g) Fee on Dynamic Currency Conversion (DCC) Service | Effective 18 October 2015: 0.8% on the converted Ringgit Malaysia amount will be charged to you. NOTE: The exchange rates used for DCC which are determined by the relevant merchant may be higher than the exchange rate as determined by relevant Card association when you pay in foreign currency. You are advised to consider all the above when deciding whether to use DCC. |
Dynamic Currency Conversion (DCC) is an optional service which may be offered by certain overseas merchants to provide you a choice to pay in Ringgit Malaysia (including online purchases quoted in foreign currency) for your purchases overseas with your Credit Card at the point of sales. Please note that if you choose to pay in Ringgit Malaysia at an overseas merchant, you are choosing DCC service. | |
| h) Sales draft retrieval | RM20.00 per copy | ||
| i) Monthly statement retrieval | RM5.00 per statement | ||
| j) CitiPhone Credit Card statement | RM5.00 request via CitiPhone officer & SSPB | ||
| k) Paper Statement Fee^^ | RM1.00 per monthly statement | ^^Not applicable to Citi Prestige, Citi Travel Account and Citi Business Signature | |
| 18) | CitiPhone statement | RM3.00 Request via SSPB RM5.00 Request via officer |
Only for interim and previous month statement Only for previous month statements. |
| Charge for retrieval/photocopy of monthly statement | RM 5.00 per statement | The charge is only levied for statements which are after 2 months | |
| Replacement of lost card | RM 50.00 per card | The charge is only levied if the loss is caused by customer's negligence. | |
| Lost Card Liability | Nil | Only if customer reported lost immediately. | |
| Annual Fees for Passages Membership | Nil | ||
| Legal Fees for Delinquent Accounts | Actual legal cost charged to customer | ||
| Stamping fees on Letter of Set Off | Ad Valorem 0.5% of Credit Facility Amount | For application approved under TD Hypothecation | |
| Request for sales draft | RM20.00 per copy | ||