Moving around with your Citibank Choice Credit Card will always be rewarding for life.

Moving around with your Citibank Choice Credit Card will always be rewarding for life.

Start rewarding yourself with Citibank Choice!

Get the freedom to make the purchases you've always wanted, while enjoying the peace-of-mind the card brings.


Enjoy fantastic rewards and peace-of-mind every step of the way.

  • Earn 50 Citi Rewards points for every RM50 spent per transaction. The Citi Rewards points never expire so that you can redeem your points for gifts whenever you desire.*

  • *Transactions such as Cash Advance, GST or applicable fee & charges are not eligible in earning of Citi Rewards points. Click here for full list of transactions which are not eligible.

  • Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and more.
  • Pay your bills, transfer funds and make cash deposits via MEPS Interbank GIRO, linking you to 1,777 local bank branches, nationwide. There are two hassle-free modes of payment for your convenience:
  • Over the counter at participating banks nationwide.
  • Via their online banking service.
  • Round-the-clock service with a 24-hour Citibank Banking Center, Citibank Online and Express Payment Machines.
  • Citibank Alerting Service - sends you email/sms reminders and account status updates.
  • Combine all your household bills into one credit card account to be automatically charged on one date with Citibank One Bill.
  • 1-Hour Card Replacement when your credit card is lost, stolen or damaged. You will also enjoy zero liability once you have reported your Citibank credit card lost/stolen.
  • Global recognition & global acceptance in more than 120 countries and more than 30 million establishments worldwide.
  • Citibank Credit Shield Premier with 36 Critical Illness coverage protects the outstanding balance on your Citibank credit card at only RM0.69 a month for every RM100 of your monthly outstanding balance. Credit Shield Premier is underwritten by AIA Bhd, a licensed insurer under the Financial Services Act 2013 (Act 758) and regulated by Bank Negara Malaysia


Balance Transfer Rate Click here to view the latest offer
Finance Charges for 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.

Cash Advance 5% of cash amount (min RM 20) and 18% per annum daily interest.
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.

Maximum Credit Limit RM450,000
Annual Fee No Annual Fees
Supplementary Fee Nil

Manage your Account

  • Citibank Online
  • CitiPhone banking
  • ATM
  • Over the counter
  • Worldwide acceptance
Payment Methods
  • Citibank Online
  • Automatic Direct Debit (One bill)
  • Funds transfer
  • CitiPhone Banking

Citibank Online

  • Credit Card Account Information
  • E-Statement
  • Online Bill Payment
  • Mobile Bill Payment
  • Mobile Prepaid Reload
  • Fund Transfer
  • Citi Alerts
  • Rewards Redemption
How To Apply

Applying for a Citibank Choice Credit Card is simple. The application process should take less than 10 minutes of your time to complete if you have all your personal details ready at hand.

Here's How You Can Apply:

Criteria For Application

Minimum Income Requirement RM 24,000 per annum
Minimum Age 21 years old
Minimum Age For Additional Cardholders 18 years old

Required Document for New-To-Bank applicants:

Type of Applicants Documents Required
Salaried Employee Photocopy of MyKad (both sides)

Latest EPF Statement


Latest 2 months salary slip*


Any of the following documents where required.

  • 3 months bank statements
  • Latest EA Form
  • Latest BE form with tax receipt
Self- Employed Photocopy of MyKad (both sides)

Photocopy of Business Registration form


Latest Form B with tax receipt


6 months bank statements

Salaried Expatriate
(Only applicable for credit card applications)
Copy of Passport

Latest 2 months salary slip*


Work permit valid for at least six months at the time of application


Letter of employment

*Number of months of salary slip required will depend on the job nature of applicants

  • Click on the "Apply Now" button.
  • Fill up the online business credit card application form.
  • We'll contact you on the following business day.

For full terms & conditions, please refer to the Credit Cards Agreement Terms & Conditions and Citi Rewards Program Terms & Conditions.

  • Get more from your Citibank card.
  • Citi Rewards Citi Cards are simply the most rewarding way to pay.