FEES AND CHARGES

Fees and Charges

Fees and Charges

Effective 1 September 2018, the Sales and Services Tax (SST) will be replacing the existing Goods and Services Tax (GST).

View all detailed fees and charges on one consolidated page here easily and conveniently.

Credit Cards

Types of Charges Amount / Rate Remarks
1) Government Service Tax RM25 Effective 1 September 2018, RM25 will be imposed on each principal and supplementary credit card and charge card upon card approval date and on the anniversary of your card approval date.
2) Citi Business Signature Card
a) Full Corporate Liability Charge Card.
- Annual Principal Card Membership Nil
- Annual Supplement Card Membership Nil
3) Citi Travel Account Charge Card.
- Annual Principal Card Membership RM600
- Annual Supplement Card Membership RM100
4) Citi Prestige MasterCard World Elite
- Annual Principal Card Membership RM1000
- Annual Supplement Card Membership Free
5) Citi PremierMiles
a) Citi PremierMiles Visa Signature
- Annual Principal Card Membership RM600
- Annual Supplement Card Membership Nil
b) Citi PremierMiles American Express®
- Annual Principal Card Membership Nil
- Annual Supplement Card Membership Nil
6) Rewards Platinum Visa & MasterCard
- Annual Principal Card Membership RM 100 per annum per Rewards Category Adding a Rewards category will incur a subscription fee of RM100 which will be pro-rated based on the remaining months till your card anniversary date
- Annual Supplement Card Membership Free
7) Citi Rewards VISA & MasterCard
- Annual Principal Card Membership RM600
- Annual Supplement Card Membership RM150
8) Gold Visa & MasterCard
- Annual Principal Card Membership RM195 per annum
- Annual Supplement Card Membership RM100 per annum
9) Silver VISA & MasterCard
- Annual Principal Card Membership RM70
- Annual Supplement Card Membership RM45
10) Clear VISA & MasterCard
- Annual Principal Card Membership RM90
- Annual Supplement Card Membership RM60
11) Shell Citi Gold Credit Card VISA
- Annual Principal Card Membership RM195
- Annual Supplement Card Membership RM100
12) Cash Back VISA
- Annual Principal Card Membership RM120
- Annual Supplement Card Membership RM60

Cash Back Platinum

- Annual Principal Card Membership

RM195
- Annual Supplement Card Membership RM100
13) Choice VISA & MasterCard
- Monthly Principal Card Membership Nil
- Annual Supplement Card Membership Nil
14) CitiBusiness Visa Gold
- Annual Principal Card Membership RM200
- Annual Supplement Card Membership RM100
15) Business Platinum Visa
- Annual Principal Card Membership RM200
- Annual Supplement Card Membership RM100
16) Citi Simplicity+
- Annual Principal Card Membership Nil
- Annual Supplement Card Membership Nil
17) Fees and Charges
a) Finance Charges:
i. Purchases
15%p.a. (daily interest)- Cardmembers who promptly settle their min payment due for 12 consecutive months.
17%p.a. (daily interest)- Cardmembers who promptly settle their min payment due for 10 or more in a 12-months cycle.
18%p.a. (daily interest)- Cardmembers who do not fall within the above categories.
Frequently Asked Questions

*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date.

ii. Cash Advance 5% of cash amount (min RM 20.00)* and 18% per annum daily interest. *Not applicable to Citi Prestige and Citi Travel Account. For Citi Business Signature (Full Corporate Liability), only 5% of cash amount (min RM20.00) is applicable.
iii. Balance Transfer Up to 6.99%* per annum daily interest on the total Balance Transfer amount. *This may be offered at lower promotional rates for stated period. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
iv. Balance Transfer Instalment Up to 9.9% per annum
(Effective Interest Rate).
*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
v. Quick Cash Up to 17.9% per annum
(Effective Interest Rate). Cash advance fee up to 2%.
5% of outstanding principal for cancellation/early settlement.

*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
vi. Flexi Payment Plan Up to 17.9% per annum
(Effective Interest Rate).
5% of outstanding principal for cancellation/early settlement.

*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
vii. Balance Conversion Up to 17.9% per annum
(Effective Interest Rate).
5% of outstanding principal for cancellation/early settlement.

*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
viii. Easy Payment Plan 0% *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
b) Credit Shield Select RM0.60 for every RM 100 monthly statement balance. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account.
c) Minimum Monthly Repayment 5% of Current Balance* + 100% government service tax (if any) + 100% Monthly Instalment (if any) + 100% Past Due amount (if any); OR

RM 50; whichever is higher

*Current Balance = Retail transactions (if any) + Balance Transfer amount (if any) + Cash Advance amount (if any) + Finance Charges and Fees (if any).
*Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date.

Frequently Asked Questions
d) Late Payment Charge Effective 1 April 2015, a minimum of RM10 or 1% of total outstanding balance excluding interests and fees as at statement date (whichever is higher), up to a maximum of RM100 *Not applicable to Citi Prestige and Citi Simplicity+. For Citi Business Signature (Full Corporate Liability) and Citi Travel Account, a minimum of RM 50 or 3.5% of total outstanding balance as at statement date (whichever is higher).

Frequently Asked Questions
e) 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. *Not applicable to Citi Business Signature (Full Corporate Liability) and Citi Travel Account. Outstanding balance must be settled in full by due date.
f) Conversion for overseas transactions If a transaction is made in foreign currency, MasterCard or VISA or relevant Card association, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate and charges as determined by MasterCard or VISA or relevant Card association as at the date it is processed by MasterCard or VISA or relevant Card association.
In addition, you will also pay administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

SMS alerts for overseas Mail/Telephone Order transactions may indicate an estimated amount; final amount will be in your next statement.
Effective 10 June 2013:

If a transaction is made in foreign currency, the transaction will be converted into Ringgit Malaysia using US Dollars as the base currency on the date on which the transaction is received and processed by Citibank and/or Visa International, MasterCard Worldwide or the relevant Card Payment Network ("Payment Network").

The currency conversions will be based on Citibank's prevailing foreign exchange rate and/or an exchange rate determined by the relevant Payment Network. This currency conversion will include any charges levied by the Payment Network for overseas transactions and a 1.00% foreign exchange conversion markup by Citibank on the converted Ringgit Malaysia amount, or such other rate as determined by Citibank and notified to you.
g) Fee on Dynamic Currency Conversion (DCC) Service Effective 18 October 2015:

0.8% on the converted Ringgit Malaysia amount will be charged to you.

NOTE: The exchange rates used for DCC which are determined by the relevant merchant may be higher than the exchange rate as determined by relevant Card association when you pay in foreign currency. You are advised to consider all the above when deciding whether to use DCC.
Dynamic Currency Conversion (DCC) is an optional service which may be offered by certain overseas merchants to provide you a choice to pay in Ringgit Malaysia (including online purchases quoted in foreign currency) for your purchases overseas with your Credit Card at the point of sales. Please note that if you choose to pay in Ringgit Malaysia at an overseas merchant, you are choosing DCC service.
h) 1 hour replacement card RM50.00 fee per card
i) Sales draft retrieval RM20.00 per copy
j) Monthly statement retrieval RM5.00 per statement
k) Overlimit Fee* RM25 per month *Not applicable to Citi Prestige, Citi Simplicity+, CitiBusiness Gold (Business Underwriting), Citi Business Signature and Citi Travel Account
l) CitiPhone Credit Card statement RM5.00 request via CitiPhone officer & SSPB
m) Paper Statement Fee^^ RM1.00 per monthly statement ^^Not applicable to Citi Prestige, Citi Travel Account and Citi Business Signature
18) CitiPhone statement RM3.00 Request via SSPB
RM5.00 Request via officer
Only for interim and previous month statement Only for previous month statements.
Charge for retrieval/photocopy of monthly statement RM 5.00 per statement The charge is only levied for statements which are after 2 months
Replacement of lost card RM 50.00 per card The charge is only levied if the loss is caused by customer's negligence.
Lost Card Liability Nil Only if customer reported lost immediately.
Annual Fees for Passages Membership Nil
Legal Fees for Delinquent Accounts Actual legal cost charged to customer
Stamping fees on Letter of Set Off Ad Valorem 0.5% of Credit Facility Amount For application approved under TD Hypothecation
Request for sales draft RM20.00 per copy