FEES AND CHARGES

Fees and Charges

Fees and Charges

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 RM600
- Annual Supplement Card Membership RM100
b) Joint and Several Liability
- Annual Principal Card Membership RM300
2) Citibank Travel Account Charge Card.
- Annual Principal Card Membership RM600
- Annual Supplement Card Membership RM100
3) Citi Prestige MasterCard World Elite
- Annual Principal Card Membership RM1,000.00 per annum
- Annual Supplement Card Membership Free
4) Citi PremierMiles American Express® Card and Visa Signature
- Annual Principal Card Membership RM600.00 per annum
- Annual Supplement Card Membership Free
5) Rewards Platinum Visa & MasterCard
- Annual Principal Card Membership RM100.00 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
6) Platinum VISA & MasterCard
- Annual Principal Card Membership RM600.00 per annum
- Annual Supplement Card Membership RM150.00 per annum
7) Gold Visa & MasterCard
- Annual Principal Card Membership RM195.00 per annum
- Annual Supplement Card Membership RM100.00 per annum
8) Silver VISA & MasterCard
- Annual Principal Card Membership RM70.00 per annum
- Annual Supplement Card Membership RM45.00 per annum
9) Clear VISA & MasterCard
- Annual Principal Card Membership RM90.00 per annum
- Annual Supplement Card Membership RM60.00 per annum
10) AirAsia Citibank Visa Card

AirAsia-Citi Gold Visa

- Annual Principal Card Membership

RM180.00 per annum
- Annual Supplement Card Membership Free

AirAsia-Citi Platinum Visa

- Annual Principal Card Membership

RM380.00 per annum
- Annual Supplement Card Membership Free
11) Air Asia Citibank MasterCard

AirAsia-Citi Silver MasterCard

- Annual Principal Card Membership

RM70.00 per annum
- Annual Supplement Card Membership Free

AirAsia-Citi Gold MasterCard

- Annual Principal Card Membership

RM180.00 per annum
- Annual Supplement Card Membership Free
12) Shell Citi Gold Credit Card VISA
- Annual Principal Card Membership RM195.00 per annum
- Annual Supplement Card Membership RM100.00 per annum
13) Cash Back VISA
- Annual Principal Card Membership RM120.00 per annum
- Annual Supplement Card Membership RM60.00 per annum

Cash Back Platinum

- Annual Principal Card Membership

RM195.00 per annum
- Annual Supplement Card Membership RM100.00 per annum
14) Choice VISA & MasterCard
- Monthly Principal Card Membership Nil
- Annual Supplement Card Membership Nil
15) CitiBusiness Visa Gold and Sliver
- Annual Principal Card Membership RM200.00 per annum
- Annual Supplement Card Membership RM100.00 per annum
16) Business Platinum Visa
- Annual Principal Card Membership RM200.00 per annum
- Annual Supplement Card Membership RM100.00 per annum
17) Fees and Charges
a) Finance Charges:
i. Purchases
15% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 12 consecutive month
17% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 10 months or more in a 12 month cycle; and
18% p.a. (daily interest) - Cardholders 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% of cash amount (min RM 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% of cash amount (min RM20) 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).
RM 100 early settlement fee will be imposed on each transaction if cancellation is performed before reaching half of the Balance Transfer via Instalment tenure committed.

*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%.
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 Premier RM0.69 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 Government Service 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* A minimum of RM10 or 1% of total outstanding balance as at statement date (whichever is higher), up to a maximum of RM100 *Not applicable to Citi Prestige. 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% 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) 1 hour replacement card RM50.00 fee per card
h) Sales draft retrieval RM20 per copy
i) Monthly statement retrieval RM5 per statement
j) Overlimit Fee* RM25 per month *Not applicable to Citi Prestige.
k) Government Service Tax Principal Credit Card RM50.00 per card per year
Supplementary Credit Card RM25.00 per card per year.
Service Tax will be imposed on card open date and subsequent card open anniversary date every year.
l) CitiPhone Credit Card statement RM5.00 Requestvia CitiPhone Officer & SSPB
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 RM5.00 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