FEES AND CHARGES

Fees and Charges

Fees and Charges

All Fees and Charges shown below are inclusive of 6% GST (levied where applicable effective 1 April 2015), except for those marked with #, where you are not required to pay GST.

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

Credit Cards

Types of Charges Amount / Rate Remarks
1) Citibank Business Signature Card
a) Full Corporate Liability Charge Card.
- Annual Principal Card Membership RM636
- Annual Supplement Card Membership RM106
b) Joint and Several Liability
- Annual Principal Card Membership RM318
2) Citibank Travel Account Charge Card.
- Annual Principal Card Membership RM636
- Annual Supplement Card Membership RM106
3) Citi Prestige MasterCard World Elite
- Annual Principal Card Membership RM1,060.00 per annum
- Annual Supplement Card Membership Free
4) Citi PremierMiles
a) Citi PremierMiles Visa Signature
- Annual Principal Card Membership RM636.00 per annum
- Annual Supplement Card Membership Free
b) Citi PremierMiles American Express®
- Annual Principal Card Membership RM530.00 per annum
- Annual Supplement Card Membership Free
5) Rewards Platinum Visa & MasterCard
- Annual Principal Card Membership RM106.00 per annum per Rewards Category Adding a Rewards category will incur a subscription fee of RM106 which will be pro-rated based on the remaining months till your card anniversary date
- Annual Supplement Card Membership Free
6) Citi Rewards VISA & MasterCard
- Annual Principal Card Membership RM636.00 per annum
- Annual Supplement Card Membership RM159.00 per annum
7) Gold Visa & MasterCard
- Annual Principal Card Membership RM206.70 per annum
- Annual Supplement Card Membership RM106.00 per annum
8) Silver VISA & MasterCard
- Annual Principal Card Membership RM74.20 per annum
- Annual Supplement Card Membership RM47.70 per annum
9) Clear VISA & MasterCard
- Annual Principal Card Membership RM95.40 per annum
- Annual Supplement Card Membership RM63.60 per annum
10) AirAsia Citibank Visa Card

AirAsia-Citi Gold Visa

- Annual Principal Card Membership

RM190.80 per annum
- Annual Supplement Card Membership Free

AirAsia-Citi Platinum Visa

- Annual Principal Card Membership

RM402.80 per annum
- Annual Supplement Card Membership Free
11) Air Asia Citibank MasterCard

AirAsia-Citi Silver MasterCard

- Annual Principal Card Membership

RM74.20 per annum
- Annual Supplement Card Membership Free

AirAsia-Citi Gold MasterCard

- Annual Principal Card Membership

RM190.80 per annum
- Annual Supplement Card Membership Free
12) Shell Citi Gold Credit Card VISA
- Annual Principal Card Membership RM206.70 per annum
- Annual Supplement Card Membership RM106.00 per annum
13) Cash Back VISA
- Annual Principal Card Membership RM127.20 per annum
- Annual Supplement Card Membership RM63.60 per annum

Cash Back Platinum

- Annual Principal Card Membership

RM206.70 per annum
- Annual Supplement Card Membership RM106.00 per annum
14) Choice VISA & MasterCard
- Monthly Principal Card Membership Nil
- Annual Supplement Card Membership Nil
15) CitiBusiness Visa Gold
- Annual Principal Card Membership RM212.00 per annum
- Annual Supplement Card Membership RM106.00 per annum
16) Business Platinum Visa
- Annual Principal Card Membership RM212.00 per annum
- Annual Supplement Card Membership RM106.00 per annum
17) Citi Simplicity+
- Annual Principal Card Membership Nil
- Annual Supplement Card Membership Nil
18) 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 Citibank Business Signature (Full Corporate Liability) and Citibank Travel Account. Outstanding balance must be settled in full by due date.

ii. Cash Advance 5.3% of cash amount (min RM 21.20)* and 18% per annum daily interest. *Not applicable to Citi Prestige and Citibank Travel Account. For Citibank Business Signature (Full Corporate Liability), only 5.3% of cash amount (min RM21.20) 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 Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank Travel Account.
iv. Balance Transfer Instalment Up to 9.9% per annum
(Effective Interest Rate).
*Not applicable to Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank Travel Account.
v. Dial-For-Cash Up to 17.9% per annum
(Effective Interest Rate). Cash advance fee up to 2.12%.
5% of outstanding principal for cancellation/early settlement.

*Not applicable to Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank 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 Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank 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 Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank Travel Account.
viii. Easy Payment Plan 0% *Not applicable to Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank Travel Account.
b) Credit Shield Select# RM0.60 for every RM 100 monthly statement balance. *Not applicable to Citibank Business Signature (Full Corporate Liability or Joint and Several Liability) and Citibank Travel Account.
c) Minimum monthly repayment 5% of (Total Outstanding Balance - Overlimit Amount (if any)) + 100% of Overlimit Amount (if any) + 100% Past Due Amount (if any); OR

1% of Outstanding Balance (Retail Purchases, Balance Transfer Amount (if any), Cash Advance Amount (if any) and other fees (if any)) + 100% of Non-Revolving Instalments (if any) + 100% of Overlimit Amount and Overlimit Fee (if any) + 100% of Past Due Amount and Late Payment Charge (if any) + 100% of Outstanding Finance Charges and Goods and Services Tax (if any); OR

RM 50; whichever is higher.
*Not applicable to Citibank Business Signature (Full Corporate Liability) and Citibank 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 Citibank Business Signature (Full Corporate Liability) and Citibank 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 Citibank Business Signature (Full Corporate Liability) and Citibank 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:

0.848% 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 RM21.20 per copy
j) Monthly statement retrieval RM5.30 per statement
k) Overlimit Fee* RM26.50 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 RM5.30 Request via CitiPhone Officer & SSPB
18) CitiPhone statement RM3.18 Request via SSPB RM5.30 Request via officer Only for interim and previous month statement Only for previous month statements.
Charge for retrieval/photocopy of monthly statement RM5.30 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 RM21.20 per copy