CITI GOLD CREDIT CARD

Rewarding you with a golden touch.

Rewarding you with a golden touch.

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.

Benefits

The gold standard in privileges.

Earn 3X Citi Rewards Points at major department stores and *supermarkets/hypermarkets.

Deparment Stores Supermarkets/hypermarkets*
  • Tangs
  • Marks & Spencer
  • Parkson
  • AEON
  • Metrojaya
  • Robinsons
  • AEON BIG
  • Cold Storage
  • Servay
  • Everrise
  • Giant
  • Tesco


  • * 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. )

Click here link 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 1800-88-2393.

  • 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.

KPJ Care for Life

*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.
Features

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.

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
Annual Fee
  • Principal: RM 195 per annum
Supplementary Fee RM100.00 per annum

Manage your Account

Accessibility
  • Citibank Online
  • CitiPhone banking
  • ATM
  • Over the counter
  • Worldwide acceptance
Payment Methods
  • Citibank Online
  • Automatic Direct Debit (One bill)
  • Funds transfer
  • CitiPhone Banking

Citibank Online

  • Credit Card Account Information
  • E-Statement
  • Online Bill Payment
  • Mobile Bill Payment
  • Mobile Prepaid Reload
  • Fund Transfer
  • Citi Alerts
  • Rewards Redemption
Promotions

Click on the left for exclusive Offers with Citibank Privileges.

  • Get more from your Citibank card.
  • Citi Rewards Citi Cards are simply the most rewarding way to pay.

Citi Gold Credit Card Terms and Conditions

Citibank Gold 3 Times Rewards ("Citibank Gold 3X Rewards") - Terms and Conditions

1.
This Citibank Berhad ("Citibank") Gold 3X Rewards Points feature ("3X Rewards Points Feature") is valid from 1st November 2010 onwards.

Eligibility

2.
Subject to Clause 4 below, all core Citibank Gold Visa/Mastercard credit Cardmember who are residents of Malaysia, are eligible to enjoy this 3X Rewards Points Feature ("Eligible Cardmember").

The following persons are NOT eligible for this 3X Rewards Points Feature:

a)
Holder(s) of Citi Gold Credit Card(s) not issued in Malaysia;
b)
Holder(s) of any co-branded Citi Gold Credit Cards;
c)
Holder(s) of Citi Gold Credit Card(s) who is (are) in default of or cancelled facilities granted by Citibank, subject to Citibank's discretion; and
d)
Holder(s) who has (have) committed or is (are) suspected of committing any fraudulent or wrongful acts and/or transactions in relation to use of his/their Citibank credit card(s).

Rewards Points and Redemption

3.
Unless amended and supplemented in these terms and conditions, the clauses in The Citibank Rewards Program Terms and Conditions will govern the Cardmembers’ entitlement to earn and redeem Citi Rewards Points. The Citibank Rewards Program Terms and Conditions is accessible via www.citibank.com.my.

The 3X Rewards Points Feature

4.

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
1. Tangs
2. Metrojaya
3. Parkson
4. AEON
5. Robinsons
6. Marks & Spencer
No. Names of Supermarkets/Hypermarkets in Malaysia
1. Cold Storage
2. Tesco
3. Giant
4. AEON Big (formerly known as Carrefour)
5. Everrise
6. Servay

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.

5.

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.

6.
Citibank is not responsible for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by third parties.
7.
The following transactions are not taken into account in the accumulation of additional Rewards Points via this 3X Rewards Points Feature:
a)
Citibank EasyPay, Flexi Payment Plan, Autobilling, Cash Advance, Dial For Cash, Balance Transfer and Balance Transfer via Instalment Plan;
b)
refunded, international, disputed, unauthorized or fraudulent retail transactions;
c)
retail transactions at stores not listed in Clause 5 (as amended);
d)
payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals; and
e)
any other form of service or miscellaneous fees.
8.
Subject to the Eligibility Criteria specified above, transactions made by a supplementary Citibank Gold Cardmember will also be entitled to the 3X Rewards Points Feature. However, only the principal Eligible Cardmember will be able to make a redemption.
9.
Rewards Points must be redeemed and used only by the principal Eligible Cardmember. Redemption of Rewards Points is subject to Citibank's sole discretion.
Further, Citibank has the right to cancel Rewards Points earned on credit card accounts where:
a)
the minimum payment has been due for thirty (30) days or more;
b)
the credit limit has been exceeded;
c)
the account is believed by Citibank to be operated fraudulently; or
d)
any accounts otherwise closed by Citibank.
10.

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.

Miscellaneous

11.
Citibank is not liable for any default in respect of the 3X Rewards Points Feature due to any act of God, war, riot, strike, lockout, industrial action, epidemic, pandemic, fire, flood, drought, storm, technical or systems failure or any event beyond the reasonable control of Citibank.
12.

(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.

13.

(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.

14.

(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.

15.
These Terms and Conditions prevail over any provisions or representations contained in any other promotional materials advertising the 3X Rewards Points Feature.
16.
To the fullest extent permitted by law, in no event will Citibank or any of its officers, servants, employees, representatives and/or agents (including any third party service providers that Citibank may engage for purposes of the 3X Rewards Points Feature) be liable for any losses or damages (including loss of income, profits or goodwill or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) which arise in connection with the 3X Rewards Points Feature, even if Citibank has been advised of the possibility of such damages in advance. All such damages are expressly excluded.
17.
These terms and conditions will be governed by and interpreted in accordance with the laws of Malaysia.
/Feb2014