Top 3 reasons to get a Citi Gold card
- 3X Citi Rewards Points
Accelerate your Citi Rewards Points at major deparment stores, supermarkets/hypermarkets.
- Evergreen Citi Rewards Points
Your points is never expire so you can redeem a variety of gifts/items, voucher, air miles etc anytime you wish.
- Purchase Protection
You will be reimbursed for purchases that are lost,stolen or damanged within 30 days of purchase.
* Terms and Conditions apply.
The gold standard in privileges.
Earn 3X Citi Rewards Points at major department stores and *supermarkets/hypermarkets.
* 3X Citi Rewards Points feature for this category of retail transactions will be rewarded to a maximum of RM3,000 amount spent on such retail transaction in each billing cycle
- Complimentary Insurance Coverage:
- Purchase Protection
(Eligible purchase on Citi Gold Card are protected for 30 days up to maximum of RM12,000 per item/RM30,000 per occurrence of an Excess of 50% of the loss subject to a minimum of RM75.00 is applied in respect of accidental loss or damage including theft (other than burglary, robbery and hold-up) from the total loss payable to the Cardmember.)
- Refund Protection
(If you are dissatisfied with your purchase within 30 days and the retailer refuses to take the purchased item back, you can return it and be reimbursed with the purchase price up to RM1,500 per item/ RM6,000 per occurrence)
- Overseas Personal Accident
(Coverage of up to RM100,000 for any personal accident while overseas when you charge your travel ticket to your Citibank Gold Card. )
- Purchase Protection
- With your Gold Card, you can also enjoy access to KPJ 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 click here for list of participating hospitals.
- Promotions, promotional events and screening packages may vary and are subject to availability at the participating hospital.
- The following discount is only applicable if payment is fully paid via Citibank Gold Card.
*Operated by KPJ. Terms and conditions apply.
- Citibank World Privileges offers you preferential treatment and discounts of up to 50% at over 24,000 establishments worldwide for dining, shopping, golfing and travel.
|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.
18% p.a. (daily interest) - Cardmembers who do not fall within the above categories.
|Cash Advance||5% of cash amount (min RM 20) and 18% per annum daily interest.|
|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.|
|Maximum Credit Limit||RM100,000|
|Supplementary Fee||RM100.00 per annum|
Manage your Account
- Credit Card Account Information
- Online Bill Payment
- Mobile Bill Payment
- Mobile Prepaid Reload
- Fund Transfer
- Citi Alerts
- Rewards Redemption
Citibank Gold 3 Times Rewards ("Citibank Gold 3X Rewards") - Terms and Conditions
The following persons are NOT eligible for this 3X Rewards Points Feature:
Rewards Points and Redemption
The 3X Rewards Points Feature
Eligible Cardmember who use their Citi Gold Credit Card for retail transactions at the following departmental stores, supermarkets and hyper markets in Malaysia are entitled to receive 3X Rewards Points in the manner as set out in Clause 5 below:
|No.||Names of Department Stores in Malaysia|
|4.||AEON, AEON Big|
|6.||Marks & Spencer|
|No.||Names of Supermarkets/Hypermarkets in Malaysia|
The list of stores is provided for Cardmember's information only and is not a representation that the stores listed are Citibank merchants. Citibank has the right to amend the list.
Subject to these Terms and Conditions, Eligible Cardmember may receive the 3X Reward Points Feature in the following manner:
|Type of Credit Card||Total Amount of Rewards Points Awarded|
|Citibank Gold (as specified in Clauses 2 and 3 above)||a)||Three (3) times Rewards Points on the amount spent on retail transactions at selected department stores (as listed in Clause 3 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember's credit card account will generate three (3) Rewards Points.|
|b)||Three (3) times Rewards Points on the amount spent on retail transactions at selected supermarkets and hypermarkets (as listed in Clause 4 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember's credit card account will generate three (3) Rewards Points. However, the 3X Reward Points Feature for this category of retail transactions will only be rewarded to a maximum of RM3,000 amount spent on such retail transactions in each billing cycle month. Accordingly, for any amounts above such maximum spent of RM3000 in a particular billing cycle month, the usual reward points system will be applicable, that is, every RM1.00 of retail transaction posted to the Eligible Cardmember's credit card account will generate one (1) Rewards Point.|
Citibank is not liable for any delay in the actual posting of the transactions and /or Rewards Points earned during the 3X Rewards Points Feature.
Rewards Points earned are not transferable. Cardmember are not allowed to sell their Rewards Points to any other person.
If the 3X Rewards Points are awarded to and received by persons who are not Eligible Cardmember, Citibank has the right to disqualify such persons from enjoying the additional Rewards Points and/or from redeeming or using the additional Rewards Points.
(1) Citibank's decisions on all matters relating to the 3X Rewards Points Feature, including the determination of Eligible Cardmember is conclusive and binding.
(2) Citibank is entitled, in its absolute discretion, and without giving any reasons, to take into account any card transaction or charges or retail purchase in the calculation of Rewards Points or to otherwise vary the basis of calculation of Rewards Points.
(1). Citibank has the right to terminate or suspend the 3X Rewards Points Feature with prior notice.
(2). Such termination or suspension by Citibank of the 3X Rewards Points Feature does not entitle the Cardmember to any claim or compensation against Citibank for any losses or damages incurred by the Cardmember as a result of the act of termination or suspension.
(1) Participation in the 3X Rewards Points Feature is subject to these Terms and Conditions and the terms and conditions in the Citibank Credit Card Terms and Condition and the Citibank Rewards Program. If there is any inconsistency between these terms & conditions and the Citibank Rewards Program Terms & Conditions only for in relation to the 3X Rewards Points Feature, these terms & conditions will prevail.
(2) Citibank has the right to modify, vary, delete or add to any of these Terms and Conditions with prior notice. These Terms and Conditions may be modified, varied, amended, deleted or added to by Citibank by way of posting on its www.citibank.com.my website ("Website") or in any other manner deemed suitable by Citibank.
(3) The Eligible Cardmember agree to access the Website regularly to view and understand these Terms and Conditions and to ensure that they are kept up-to-date with any changes to these Terms and Conditions.
(4) The Eligible Cardmember agree that their participation in the 3X Rewards Points Feature constitutes their acceptance of these Terms and Conditions.