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I have just received my Citi Rewards Platinum Card. How do I learn more about the card’s features and benefits?
| A. | To start, create a Citibank account through one of these channels: | ||||||||||
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What is a Rewards category?
The Rewards Platinum Card comes with different categories to suit your lifestyle, each with their own unique 5X Rewards points.
The Rewards categories are:
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How many Rewards categories can I subscribe to?
You can subscribe to as many categories offered by Citibank.
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How do I subscribe to a Rewards category?
| There are 3 ways to change your selected Rewards categories: | |||||||||||||||
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| You can also make changes to your subscribed categories via these methods any time and the changes will take effect immediately. Note: Please refer to Rewards Platinum Card T&C for details. |
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How long is a Rewards category subscription period?
| • | The subscription period for a Rewards category starts from the date you add the category and ends on your card anniversary date. |
| • | Your subscription will automatically be renewed unless you make a change via one of the methods mentioned in the previous question (How do I subscribe to a Rewards category, point ii). |
| • | Card anniversary date means the date the first statement of account is issued to you for your Citi Rewards Platinum Card. |
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How do I earn the 5X accelerated Rewards points?
Just begin spending at participating merchants that are under your selected Rewards categories.
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Where can I find the list of merchants for all the Rewards categories?
Note: 5X Rewards points earning only applies to spend at the merchants listed above in Malaysia.
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Do I earn the 5X Rewards points immediately?
Yes. Unless stated otherwise with notification from Citibank.
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Can a supplementary cardmember earn the 5X Rewards points too?
Yes, when they spend at participating merchants that are under their selected Rewards categories. These points will be automatically pooled with the principal cardholder's account and can be redeemed by the principal cardholder.
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Do I get any Rewards points if I spend on categories that I have not subscribed to?
Yes, you will still earn 1 Reward point for every RM1 for all retail transactions other than petrol transactions and transactions that are not eligible in earning of Rewards points. Click here for full list of transactions which are not eligible.
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Is there a cap to earning the 5X Rewards points?
| • | Yes. For the Travel category, the 5X points earning is limited to a yearly cap of RM12,000. |
| • | For all other categories, the 5X points earning is limited to a monthly cap of RM1,000. |
| • | Any spending beyond these caps will have a 1X points earning with the exception of the Driving category which will earn no points after the monthly cap is exceeded. |
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Where can I check my Reward points that I have accumulated so far?
All accumulated Rewards points earned will only be shown in the Principal cardmember's account statement which can be viewed/accessed through the following channels:
| i. | Monthly e-Statement or physical statement |
| ii. | CitiPhone Banking by calling 03-2383 0000. |
| iii. | Citibank Mobile App |
| Logon to your account via the Citibank Mobile app. | |
| iv. | Citibank Online |
| Logon to your account at www.citibank.com.my |
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How can I utilise my Rewards points?
Use your Rewards points:
| i. | For Instant Rewards at Citibank’s participating merchants. |
| ii. | To offset purchases even after you have paid for it. |
| iii. | To redeem gifts, air tickets or cash vouchers via the Rewards Catalogue. |
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Can supplementary cardmembers also redeem Rewards points?
No. Rewards points accumulated by the supplementary cardmember can only be redeemed by the principal cardmember.
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Is there a minimum amount of points required to redeem my Rewards points?
| • | No minimum amount of Rewards points is required, unless a redemption is made under “Select and Credit” |
| • | For redemptions made under “Select and Credit” , the minimum amount is RM200 per transaction. |
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Can I make a partial redemption if I do not have enough Rewards points?
Can I redeem my Rewards points even though I did not earn them under the selected Rewards categories during redemption?
Yes. As long as you have accumulated enough Rewards points, you may redeem your points any time.
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What is the subscription fee for each Rewards category?
| • | Each category is charged a fee of RM100 per annum. |
| • | This fee will appear on your annual statement. |
| • | For example, if you have subscribed to 3 Rewards categories, you will see an annual fee of RM300 billed to your annual statement. |
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What if I add a new Rewards category before the end of the subscription year? Do I still need to pay the full RM100?
| • | No. If you add a category before the subscription year ends, you will only be charged for the remaining months of the year. |
| • | For example, if you add 1 category 6 months into your subscription year, you will only be charged for the 6 remaining months of the year which is RM50 (6/12xRM100 = RM50). |
| • | This pro-rated fee will appear in your next statement. |
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Can I remove a Rewards category before the subscription year ends?
Yes. However, as you have already paid for the subscription fee, we recommend that you continue subscribing until it expires because no refund will be given.
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How do I enjoy complimentary Rewards categories?
For every RM15,000 you spend annually on your principal card, the fee for 1 category will be waived the following year. Refer to the table below for a more detailed breakdown.
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*Cumulative spend is calculated from the 1st statement to the 12th statement every year depending on the Card Anniversary date. For upgrade card, you will be entitled for fee waiver on your next Card Anniversary date if you fulfilled Annual Spend criteria between effective upgrade date to the next statement
For Example:
For new Rewards Platinum Card:
Card approval date: 15th Jan 2013
1st statement date: 2nd February 2013
12th statement date: 2nd February 2014
Card anniversary date: 15th Jan 2014
• Cumulative spend is measured from 3rd February 2013 to 1st February 2014.
• If you fulfilled the Annual Spend target between 3rd February to 1st February 2014, you will be entitled for fee waiver.
Upgrades to Rewards Platinum Card:
Effective Upgrade Date: 30th June 2013
Card anniversary date: 15th Jan 2014
1st statement after card anniversary date: 2nd February 2014
• Cumulative spend is measured from 1st July 2013 to 1st February 2014
• If you fulfilled the Annual Spend target between 1st July 2013 to 1st February 2014, you will be entitled for fee waiver in the first year.
• For subsequent year annual fee waiver, the cumulative spend will be calculated from 3rd February 2014 to 1st February 2015.
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Are there any annual fees for supplementary cards?
No, there is no annual fee regardless of the number of categories subscribed to by the principal cardmember.
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Is there any service tax for each principal and supplementary card?
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
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