COVID-19 Support

COVID-19 Support

With the moratorium ending on 30 September 2020, Citi fully supports Bank Negara Malaysia’s measures in extending financial assistance to customers affected by COVID-19.

Loan Repayment Flexibility for Customers Affected by Covid-19

Citi will provide targeted moratorium extension and provision of repayment flexibility for the following:

Reason for Loan repayment restructure & reschedule request Applicable Products Program Type
Loss of job  All products (except Credit Cards) Extension of Loan Moratorium (“Deferment Program”) for 3 months (applicable for all Citi Instalment Loans and Unsecured Term Loans, Ready Credit, Mortgage Loan/Financing and Overdraft products)
Income reduction Citi Instalment Loans and Unsecured Term Loans Reduction of monthly loan instalment by 50% (applicable for Citi Instalment Loans and Unsecured Term Loans)
Mortgage Loan/Financing and Overdraft products (except Citibank Home Financing-i product, Amortizing Revolving Mortgage and Overdraft Loans) Interest/rental payment only and/ or with extension of loan tenor (applicable for Mortgage Loan/Financing)
All products
(except Credit Cards)
Rescheduled or Restructured repayment plan (applicable for all Citi Instalment Loans and Unsecured Loans, Ready Credit, Mortgage Loan/Financing and Overdraft products)

Please submit your application here.

For more information on Repayment Assistance Program for Loans/Financing, please refer here.

Dear Valued Customers,

We experienced technical issues with the Loan Repayment Flexibility Application from 23 August 2020, 6.00am to 27 August 2020, 2.00pm.

If your application was made during this period, kindly click here to resubmit your application and we will reach out to you within the next 5 calendar days.

We apologize for the inconvenience caused.

Loan Tenor Extension for existing Mortgage customers upon expiry of 6-month Deferment Programme for Mortgage Loan/ Financing and Overdraft Products

Should you foresee any difficulty in resuming your existing monthly mortgage loan/ financing and overdraft payments/repayments and would like to have a lower monthly loan repayment, please submit your request for a loan tenor extension for a period of 6 months to us.

Submit your request here.

Financial Relief

In these unprecedented times, we realize that many of our treasured customers might find themselves in a challenging situation.

In line with Bank Negara Malaysia’s announcement on efforts by financial institutions to assist individuals and SMEs to manage the impact of the COVID -19 outbreak, Citi is offering a series of financial relief program for our valued customers, effective 1 April 2020.

Key highlights of this program:-

  • Eligible customers will not need to make any payments for 6 months (from April to September 2020) for eligible Citi products, and there will be no late fees or penalty charges imposed.
  • Citi will not compound interest for eligible deferred loan / financing amount.
  • We have prepared a set of FAQs that includes what the deferment covers, whether you qualify and the impact this has on your future repayments. Please do take the time to read these carefully and should you still have questions, please contact our Contact Centre.

For more details, please click here (+)

For information on payment/ repayment options available to assist you upon the expiry of the Citibank Financial Relief Measures, please refer here.

For your safety, please continue to stay home. Do keep a lookout for our SMS notifications to facilitate arrangements for the above program. Should you need to discuss, we’ll be able to support you online or by phone. Also, do check out our self-help feature on the Citi Mobile® App and Citibank Online.

Stay Safe and Bank Smart

Credit Card Relief Conversion Plan

Want to enroll into our Credit Card Relief Conversion Plan? Please SMS either one of following options to 66399 using the mobile number registered with Citi.

SMS Action For the following request
BALCONVERT<space>16-digit card no To convert to 36-month term loan only
PAYDEFER<space>16-digit card no To convert to 36-month term loan and also 6 months deferment


*If you have already enrolled into the Relief Conversion Plan (36-month term loan),
you may send this SMS solely for the 6-month deferment.*

Key details of the plan:

  • Upon enrolment, your eligible balances will be converted into the Relief Conversion Plan at 13% EIR for a 36-month tenure. Click here to refer to the Relief Conversion Plan Product Disclosure Sheet and here for the Terms and Conditions.
  • Eligible balances include the outstanding balances (billed and unbilled retail, cash and Balance Transfer amounts, excluding unbilled instalments for manual enrolment) on the day of conversion.
  • Conversion will be processed within 7 business days from the date of enrolment / request.
  • The aforementioned 6-month deferment only applies to the amount converted under the Relief Conversion Plan. You will still be obligated to honor the minimum payment due in the event of any new outstanding balances to your credit card.
  • Do check your Citi Flexi Bill offers on Citi Mobile® App or Citibank Online before considering this Relief Conversion Plan.

Please refer here to opt-out for other products.

Branch Update

The well-being of our employees and customers remain our top priority. We continue to monitor developments closely and have put in place precautionary measures during the Recovery Movement Control Order (RMCO).

For your safety and the safety of others, we encourage customers and visitors who are feeling unwell or suspect that they may have been exposed to COVID-19 to avoid visiting our offices or branches and promptly seek medical care.

Citi continues to be accessible through our digital banking channels, including Citi Mobile® App and Citibank Online at www.citibank.com.my. Contact Centre services are available and operating as usual as well.

For more branch related information during RMCO, please refer here.

Beware of Covid-19 Phishing Scams

Fraudsters are known to take advantage during periods of change and uncertainty. They may pretend to be legitimate merchants selling masks or other products to entice customers into clicking links to make payments and reveal their banking details such as One-Time-PIN (OTPs) on fake websites.

We must all be vigilant when it comes to suspicious activities and take the necessary precaution to safeguard ourself from phishing:

  • Do not allow yourself to be rushed and pressured into executing a banking related request.
  • Do not respond to unsolicited links or emails.
  • Do listen to your instincts. Be prepared to question anything that feels wrong and verify before making any transactions.
  • Do not ever share your OTP / account number /CVV/ expiry date with any caller.
  • Do not answer unknown callers .
  • Verify the legitimacy of any agency calling you by a quick online search

At Citi, we would never ask for your personal information or for you to provide banking details such as PINs or passwords via social media or email.

Always enter the Citibank website address www.citibank.com.my or "www.citigold.com.my" directly into your browser address bar before you log in to ensure that you are on the legitimate Citibank website. For more security tips, kindly refer to www.citibank.com.my/security

Should you receive messages from suspicious sources, please contact our Contact Centre immediately.

Bank Smart in the comfort of your home

Stay home and bank at your own convenience as all our services are available on Citi Mobile® App or Citibank Online.

• Register for Citibank Online

• Download the app here:

Learn more about Citi Mobile® App here.

Delay in Delivery of Physical Statements

Due to impacted services during RMCO, kindly expect a delay in the delivery of your hardcopy account statement/ transaction advice during this period.

We encourage you to enroll for eStatement/ eAdvice here

We hope that the situation will improve soon in order for us to resume all our services.

Frequently Asked Questions on Financial Relief Measures

For more information on the financial relief program, please refer here

Terms and Documents

Product Disclosure Sheet: Relief Conversion Plan

Terms and Conditions: Relief Conversion Plan

Terms and Conditions: Mortgage Loan/Financing and Overdraft Products

Terms and Conditions: Deferment Program for Unsecured Loans / Financing

Terms and Conditions Repayment Assistance Program