COVID-19 Support

COVID-19 Support

Financial Management and Resilience Programme (URUS)
In line with the announcement made on the Financial Management and Resilience Programme (URUS) to aid B50 borrowers whose gross household income is less than RM5,880 a month and is under an existing repayment assistance programme, Citi remains committed to extend the assistance programmes and do everything that we can to support your financial needs.

The programme (URUS) is formulated by the banking industry together with the Counselling and Credit Management Agency (AKPK) and will be made available on an application basis for eligible customers from 15 November 2021 till 31 January 2022.

Programme details including eligibility criteria and FAQs will be available here (for FAQ in English)

To opt-in to the URUS programme, please fill up and submit the Common Form here

For terms and conditions, click here

Citibank Repayment Assistance Program
Citi remains committed to extend the ongoing repayment assistance measures to support our customers.

For Individual Customer (B40/M40/T20), SME or Microenterprise with the following product(s), Mortgage and Overdraft Loans / Personal & Unsecured Term Loans / Ready Credit, please submit your application for the Repayment Assistance Program here.
For credit card customers who wish to learn more on the Citi Credit Card Relief Conversion Plan (RCP) Deferment Program, please click here.

For more information and FAQ about the programs, please refer here.

Please note that if you are currently enrolled or have previously availed assistance and should you continue to face difficulty, you are still eligible to apply for the Repayment Assistance Program.

Should you require any further assistance, please contact Citibank Contact Centre at 03-2383 0000.

Loan Repayment Flexibility for Customers Affected by Covid-19

Citi will provide repayment assistance measures for the scenarios below. You may request for the appropriate program that meets your financial needs. The Repayment Assistance selected this year will not appear in your CCRIS records.

Customer Segment Repayment Assistance Program
Individuals (B40/M40/T20) / Microenterprises/ SMEs 6 months deferment of instalments/ payments; OR
50% reduction in instalments/ payments for 6 months

If you are an Individual Customer (B40/M40/T20)/ SME or Microenterprise, please submit your application for the Repayment Assistance Program here

If you have any other inquiries or require any further assistance, please contact Citibank Contact Centre at 03-2383 0000.

Citi Credit Card Relief Conversion Plan Deferment Program

If you have enrolled for Citi Relief Conversion Plan (RCP) on/ before 31 December 2020 and your RCP instalment plan is still active, you may contact Citibank Contact Centre at 03-2383 0000 to enrol into the “6 months deferment of instalments program” (“Deferment Program”) for your RCP instalment plan.

Click here to find out more about the Deferment Program for your existing Credit Card RCP instalment plan.

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 this period.

Services such as fund transfers, payments (including credit card payments) and balance enquiries will continue to be available through our digital banking channels, including Citi Mobile® App and Citibank Online ( at the comfort of your own home. CitiPhone Banking services are available and operating as usual as well.

As we may be experiencing potential delays in delivery, we assure you that our team together with our partners are doing our best to process and deliver your new Citi Credit Card, acquisition / welcome gift, and redemption item(s) from the Citi Rewards Catalogue.

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.

Thank you for your understanding and stay safe.

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 or "" 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

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.

Terms and Documents

Terms and Conditions: Citibank FINANCIAL MANAGEMENT AND RESILIENCE PROGRAM (URUS) Program (Effective 15 November 2021)

Terms and Conditions: Citibank Repayment Assistance Program (effective 7 July 2021)

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 of Expanded Targeted Repayment Assistance Program for Loan and Financing