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Enjoy more travel privileges when you fly with AirAsia
Save on air travel with the AirAsia-Citibank Credit Card! With this card, you get to enjoy privileges such as evergreen AA points redeemable for flights and other AirAsia products, early notice of AirAsia promotions and exclusive package deals.
Top 3 reasons to get a AirAsia-Citibank Credit Card
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- Priority Booking and Early Notice
- Redeem AirAsia E-Gift vouchers for free flights and holidays
- Earn up to 2X AirAsia points
Apply Now |
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More reasons for you to apply for an AirAsia-Citibank Credit Card.
- FREE annual fee for the 1st year
- Just use your card 3 times within 60 days to enjoy it.
- Priority booking
- Grab lowest fares and best seats on AirAsia sales one day ahead of the public and Reda!lert eNewsletter subscribers.
- Early Notice
- Receive early notification of AirAsia promotions one day before the sale starts vis sms or email.
- Earn and redeem AA points
- Special fares
- Enjoy special fares and holiday packages not available elsewhere.
- You'll also benefit from personalized
assistance wherever you need it with Citibank's 24-hour Gold-On-Call
Assistance with your AirAsia-Citibank Gold Credit Card. These privileges include:
Gold Travel 
- Overseas 24 Hours Personal Accident Coverage
Covers you for any personal accidents incurred while overseas of up to RM100,000 when you charge your travel ticket to your AirAsia-Citibank Gold Card. You will be covered for a maximum of 30 days. 
- Travel Inconvenience Coverage (limit per cardmember):
- Flight Delays: Up to RM675 for delay longer than 4 hours.
- Miss Flight Connection: Up to RM675 for miss connecting flights lasting more than 4 hours.
- Baggage Delay: Up to RM675 if your luggage is not delivered within 6 hours when travel to overseas.
- Baggage Loss: Up to RM2,000 if your luggage is lost or not delivered within 24 hours when travel to overseas.
- Baggage Damage: Up to RM250.
- We'll book your travel, golf and spa packages and hotel accommodation for almost anywhere in the world*.
- Customized travel itinerary to cater to your different needs, with travel advisory on visa requirements, weather, vaccination and more.
- Complimentary delivery of air tickets within Kuala Lumpur, Petaling Jaya, Penang and Johor Bahru.

*Operated by Holiday Tours and Travel Sdn Bhd. Terms and conditions apply.
Click here to view the full complimentary insurance benefits for your credit credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393.
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Gold SOS
- Emergency roadside assistance such as jump start your car,
have your car tyres changed, request for batteries, petrol to be
delivered to you and towing service 24 hours a day, 7 days a week.

- Cost of roadside repairs is fully borne by the Cardmember
(service charges applicable). For towing charges, Cardmembers will be
charged at the following rates:
7am to 7pm: RM1.00 per km
(minimum charge of RM80).
7pm to 7am: RM1.50 per km
(minimum charge of RM80).
Towing distance is calculated from workshop to breakdown site to towing destination.

*Operated by Asia Assistance Network Sdn. Bhd.
- Optional upgrade for Gold Cardmember, to upgrade your
roadside assistance facility with the AA Auto Assist program at just
RM25 per annum. The upgraded package includes:

*Operated by Asia Assistance Network Sdn Bhd.
*Terms and conditions apply
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Gold Lifestyle
- Citibank Privileges offers you discounts of up to 50% and preferential treatment at over 24,000 establishment worldwide for dining, shopping, golfing, and travelling. Just log on to www.citiworldprivileges.com.my to find out more.
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Gold Healthcare 
- With your AirAsia-Citibank Gold Card, you can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health.

- 20% discount on all established Executive Screening Packages (excluding medical officers and specialists’ consultation fees)
- 15% discount on all walk-in hospital room rates (only from RM120.00 and above)
- For enquiries and appointment, please visit www.kpjhealth.com.my for details of specialist hospitals in the KPJ Healthcare Network.
- Privilege is valid at 20 participating hospitals only. Please refer to list of participating hospitals.
- Promotions, promotional events and screening packages may vary and are subject to availability at the participating hospital. Please call the respective hospital for more details.
- The following discount is only applicable if payment is fully paid via AirAsia-Citibank Gold Card.

*Operated by KPJ. Terms and conditions apply.
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Flexibility
| Balance Transfer Rate |
Click here to view the latest offer |
| Finance Charges for Purchases |
8.88% p.a. (daily interest) - Cardmembers with prompt payments of more than 50% of their monthly outstanding balances for 12 consecutive months.
15% p.a. (daily interest) - Cardmembers with prompt payments of less than or equal to 50% of their monthly outstanding balances for 12 consecutive months.
17% p.a. (daily interest) - Cardmembers with prompt payments for 10 or more months in the last 12 months.
17.5% p.a. (daily interest) - Cardmembers who do not fall within the above categories. |
| Cash Advance |
5% of cash amount (minimum RM 20) and 18% per annum daily interest. |
Manage your Account
| Accessibility |
- Citibank Online
- CitiPhone banking
- ATM
- Over the counter
- Worldwide acceptance
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| Payment Methods |
- Citibank Online
- Automatic Direct Debit (One bill)
- Funds transfer
- CitiPhone Banking
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- Credit Card Account Information
- E-Statement
- Online Bill Payment
- Mobile Bill Payment
- Mobile Prepaid Reload
- Fund Transfer
- Citi Alerts
- Rewards Redemption
Applying for an AirAsia Citibank Credit Card is simple.
The application process should take less than 10 minutes
of your time to complete if you have all your personal details ready at
hand.
Here's How You Can Apply:
Required Document for New-To-Bank applicants:
Type of Applicants |
Documents Required |
| Salaried Employee |
Photocopy of MyKad (both sides) |
Latest EPF Statement
OR
Latest 2 months salary slip*
AND/OR Any of the following documents where required.
- Latest BE form with tax receipt
- 3 months bank statements
- Latest EA Form |
| Self- Employed |
Photocopy of MyKad (both sides) |
Photocopy of Business Registration form
AND
Latest Form B with tax receipt
OR
6 months bank statements |
Salaried Expatriate (Only applicable for credit card applications) |
Copy of Passport |
Latest 2 months salary slip*
AND
Work permit valid for at least six months at the time of application
AND
Letter of employment |
*Number of months of salary slip required will depend on the job nature of applicants
- Click on the "Apply Now" button.
- Fill up the online application form to get your Instant In-Principal Approval.
- Upon full approval, you will receive your FREE gift.
Criteria For Application
| Minimum Income Requirement |
RM24,000 per annum |
| Minimum Age |
21 years old |
| Minimum Age For Additional Cardmembers |
18 years old |
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Apply Now
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Citibank Credit Card Terms and Conditions |
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| TERMS AND CONDITIONS FOR AIRASIA-CITIBANK CO-BRAND CREDIT CARD |
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| 1. |
These Terms and Conditions will apply in conjunction with the Citibank Card Agreement Terms and Conditions ("Citibank Card Agreement") and all Terms and Conditions of the Citibank Card Agreement will apply here with necessary changes having been made, having substituted new terms and with respective differences taken into consideration, but where there is any inconsistency or conflict between the two sets, these Terms and Conditions will prevail to the extent it applies to the Co-Brand Credit Card (defined below). All the expressions here have the same meanings as stated in the Citibank Card Agreement except where the context requires otherwise or where expressly stated to the contrary. |
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"AirAsia" means AirAsia Berhad (Company No. 284669-W). |
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"AirAsia E-Gift voucher" means e-vouchers issued by AirAsia on its website at www.airasia.com which can be used to redeem for or purchase of AirAsia Products and Services (defined below). |
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"AirAsia Points" means the points awarded to Co-Brand Cardmembers in respect of all expenditure charged to the Co-Brand Credit Card (except expenditure which is not eligible for AirAsia Points, as may be determined by Citibank and/or Bank Negara Malaysia) which may be used by the Co-Brand Cardmembers to redeem AirAsia Products and Services. |
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"AirAsia Points Program" means the program under which Co-Brand Cardmembers are entitled to certain benefits as determined by Citibank and/or AirAsia in respect of purchases made with the Co-Brand Credit Card. |
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"AirAsia Products and Services" means AirAsia's flights, products and/or services offered to the public. |
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"Co-Brand Credit Card" means the Visa Cards and MasterCard issued by Citibank, which includes the Cards printed with AirAsia's logo and/or any other name, logo and/or trademark as may be determined by Citibank. |
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"Co-Brand Cardmember" means the holder of a Co-Brand Credit Card, and includes both principal and supplementary Cardmembers unless stated otherwise. |
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"Supplementary Co-Brand Card" means a supplementary Co-Brand Credit Card. |
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| 2. |
The AirAsia Points Program is applicable to the Co-Brand Cardmembers: |
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| (a) |
with valid and good credit standing; |
| (b) |
has not defaulted in payment; |
| (c) |
has not exceeded the credit limit; and/or |
| (d) |
whose Co-Brand Credit Card has not been blocked or terminated by Citibank. |
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| 2.1 |
Subject to Clause 2.2 below, Co-Brand Cardmembers are not entitled to participate in any other reward programs offered by Citibank with respect to the credit cards issued by Citibank other than the Co-Brand Credit Card unless Citibank determines otherwise. |
| 2.2 |
Co-Brand Cardmembers are however allowed to participate in the Citibank Rewards Program and redeem items in the Citibank Rewards Program catalogue in accordance to the Citibank Rewards Program Terms and Conditions which can be found at www.citirewards.com. |
| 2.3 |
Holders of credit cards issued by Citibank other than the Co-Brand Credit Card are not entitled to participate in the AirAsia Points Program, unless Citibank determines otherwise. |
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| 3. |
Co-Brand Cardmembers are entitled to the following benefits under the AirAsia Points Program: |
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| 3.1 |
Co-Brand Cardmembers to be awarded AirAsia Points in the following manner: |
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| (a) |
Every Ringgit Malaysia One (RM1) charged to the Co-Brand Card and the Supplementary Co-Brand Credit Card entitles the Co-Brand Cardmember to one (1) AirAsia Point; and |
| (b) |
An additional one (1) AirAsia Point for every Ringgit Malaysia One (RM1) charged to the Co-Brand Credit Card if the Co-Brand Cardmember has an opening carry forward balance of equal to or more than Ringgit Malaysia Two Thousand (RM2,000). |
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| 3.2 |
Subject to Clauses 13 and 14 below, there is no expiry date on AirAsia Points awarded. |
| 3.3 |
AirAsia Points can be redeemed for AirAsia E-Gift vouchers according to the following tier (subject to changes or otherwise stated): |
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| AirAsia Points |
AirAsia E-Gift voucher Value |
| 3,400 |
RM20 AirAsia E-Gift voucher |
| 8,500 |
RM50 AirAsia E-Gift voucher |
| 17,000 |
RM100 AirAsia E-Gift voucher |
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| 3.4 |
These AirAsia E-Gift vouchers can be used to purchase flights offered by AirAsia and/or AirAsia Product and Services in accordance with the applicable Terms and Conditions governing the use of AirAsia E-Gift vouchers found on AirAsia's website at www.airasia.com. The Co-Brand Cardmember is responsible to view and understand these applicable Terms and Conditions on AirAsia's website. |
| 3.5 |
Citibank is not liable for any changes made by AirAsia on the redemption process for which the Co-Brand Cardmember may suffer any loss or inconvenience. |
| 3.6 |
Once a Co-Brand Cardmember has obtained and is in receipt of the AirAsia E-Gift vouchers, they will become the sole responsibility of the Co-Brand Cardmember. Citibank will not be liable to replace any AirAsia E-Gift vouchers which may be lost (deleted or expired) or used by a third party with or without authority of the Co-Brand Cardmember. The Co-Brand Cardmember is responsible for not disclosing his/her password. |
| 3.7 |
Any dispute which arises in connection with the redemption of the AirAsia E-Gift voucher and the use of the AirAsia Products and Services will be settled between the Co-Brand Cardmember and AirAsia. |
| 3.8 |
For the avoidance of any doubt, only the principal Co-Brand Cardmember can redeem the AirAsia Points and is entitled to the items stated in Clause 3.3 above during the principal Co-Brand Cardmember's lifetime. |
| 3.9 |
The principal Co-Brand Cardmember may however nominate another person, including a supplementary Co-Brand Cardmember, to receive items redeemed by the principal Co-Brand Cardmember. |
| 3.10 |
The Co-Brand Cardmember is entitled to the following mobile banking services in respect of Co-Brand Credit Card account(s) once such services are made available by Citibank: |
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Obtaining account balances and making bill payments via SMS or short message service (cellular phone text messaging); and |
| (b) |
Receiving Mobile CITI alerts via SMS in respect of all transactions made including transactions by supplementary Co-Brand Cardmembers, expenditure in excess of credit limit and due date reminders on Co-Brand Credit Card bills. |
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| 3.11 |
Co-Brand Cardmembers are also entitled to the following promotions and preferential treatment: - |
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Citibank World Privileges (CWP), which consists of discounts & privileges at selected Citibank merchants' outlets; and |
| (b) |
Mass usage offers and preferential treatment which consists of promotions, contests and marketing campaigns which apply to all Citibank Credit Cards. |
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| 4. |
Citibank has the right to vary the benefits or rewards of the Co-Brand Card as stipulated in these Terms and Conditions, by giving notice, including in the manner set out in Clause 5 below. Such variation may include, among other things, a variation of the mechanism for the calculation and award of AirAsia Points. Such variations are effective on the date stipulated in the notice. |
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| 5. |
Citibank reserves the right to change any of these Terms and Conditions by giving notice. Such notice, including the notice stated in Clause 4 above may be given by way of posting on Citibank's website www.citibank.com.my ("Website"), or in any other manner deemed suitable by Citibank. The Co-Brand Cardmembers agree to access the Website at regular time intervals to view these Terms and Conditions and to ensure that they are kept up-to-date with any variations to these Terms and Conditions. The Co-Brand Cardmembers agree that their continued usage of the Co-Brand Card constitutes their acceptance of these Terms and Conditions. |
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| 6. |
AirAsia Points will NOT be awarded for any: - |
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Outstanding balance transferred by the Co-Brand Cardmember from any other credit card account to the Co-Brand Credit Card account under the Citibank Balance Transfer Program or similar program of any name; |
| (b) |
Cash advance or cash withdrawal debited to the Co-Brand Credit Card account; |
| (c) |
Citibank FlexiPayment Plan (FPP) or a similar program of any name; |
| (d) |
Citibank Dial-for-Cash (DFC) or a similar program of any name; |
| (e) |
Payment made towards any fees and/or charges prescribed by Citibank to be paid to or in connection with the Co-Brand Credit Card (including entrance fee, annual fee, finance charges, handling charges and late payment charges); |
| (f) |
Government service tax and any other similar taxes of any name; and/or |
| (g) |
Charges to the Co-Brand Credit Card which are disputed by the Co-Brand Cardmember (principal and/or supplementary) which are subsequently reversed by Citibank. |
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| 7. |
AirAsia Points accumulated by supplementary Co-Brand Cardmembers will be credited into the principal Co-Brand Cardmember's Co-Brand Credit Card account. The total AirAsia Points in the Co-Brand Credit Card account of the principal Co-Brand Cardmember will be indicated on the monthly billing statement. The maximum amount of AirAsia Points in a 12-month period commencing from and including the date the Co-Brand Credit Card is issued and each following 12-month period is capped at 200,000 AirAsia Points. Once the maximum AirAsia Points is awarded, no AirAsia Points will be awarded even if: |
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| (i) |
the Co-Brand Cardmember charges further amounts to the Co-Brand Credit Card; |
| (ii) |
carries forward balances to the following statement date; or |
| (iii) |
the Co-Brand Cardmember redeems part or all of the AirAsia Points awarded. |
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| 8. |
AirAsia Points may be redeemed only by the principal Co-Brand Cardmember during his/her lifetime. |
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| 9. |
| (1) |
Once a proposed redemption is approved by Citibank, the equivalent amount of AirAsia Points which the principal Co-Brand Cardmember wishes to redeem will be deducted from the total AirAsia Points in the Co-Brand Credit Card account of the principal Co-Brand Cardmember. |
| (2) |
Once AirAsia Points are redeemed and deducted from the Co-Brand Credit Card account, the said AirAsia Points will be extinguished and cannot be reinstated under any circumstances. |
| (3) |
Citibank's records are conclusive evidence of the amount of AirAsia Points in the Co-Brand Credit Card account at all times. |
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| 10. |
Proposed redemptions are only approved by Citibank if there are sufficient AirAsia Points in the Co-Brand Credit Card account of the principal Co-Brand Cardmember. Upon approval by Citibank, redemptions may not be revoked, cancelled or exchanged for other redeemable items. |
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| 11. |
The Co-Brand Cardmember acknowledges that there is a lapse of time between a transaction made using the Co-Brand Credit Card and the crediting of the AirAsia Points into his/her Co-Brand Credit Card account. Citibank will credit the AirAsia Points into the Co-Brand Credit Card account on the transaction posting date, and not the date the transaction is charged to the Co-Brand Credit Card. As such, Citibank does not represent and warrant that the AirAsia Points collected before a proposed redemption are immediately available for redemption. |
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| 12. |
| (1) |
Citibank gives no representation or warranty on the quality of any AirAsia Products and Services or their suitability for any purpose. Any dispute in relation to the redemption and purchase of AirAsia Products and Services must be settled between the Co-Brand Cardmember and AirAsia and/or as the case may be, the supplier or manufacturer. Citibank will not be responsible for resolving such disputes. |
| (2) |
Citibank is not responsible for resolving such disputes referred to in paragraph (1) of this Clause 12 or for the dispute itself. Citibank is also not responsible or liable for any delay, inability or negligence on the part of AirAsia to perform any of its obligations in relation to the AirAsia Products and Services as redeemed by principal Co-Brand Cardmembers. |
| (3) |
To the full extent permitted by law, Citibank will not be liable for any death, injury, consequential loss or damage of any nature the Co-Brand Cardmember has suffered and if applicable, accompanying persons arising from or out of the redemption of any AirAsia Points and/or AirAsia E-Gift voucher, including any injury or loss suffered as a result of AirAsia Products and Services, flights and holiday packages, cancellation of flights and holiday packages, extra charge, delay and resulting from any advice, pointers, tips and directions contained in any publication or printed material pertaining to them or from the loss, theft, destruction of any AirAsia Products and Services. |
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| 13. |
Citibank may at its absolute discretion: |
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Deduct or cancel any AirAsia Points from any Co-Brand Credit Card account; or |
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Reject or cancel any redemption requested by a principal Co-Brand Cardmember with notice. |
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| 14. |
Any remaining AirAsia Points in the Co-Brand Credit Card account will immediately cease to be valid upon the cancellation of the Co-Brand Credit Card or the conversion of the Co-Brand Credit Card to any other credit card issued by Citibank. Citibank will not give any refund, extension or compensation upon such cancellation or conversion. |
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| 15. |
For the avoidance of any doubt, AirAsia Points may not be transferred or exchanged for cash or credit. |

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