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, Government Service Tax 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 Check out the latest offer on credit card balance transfer
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 credit card cash advance amount or minumum RM20, whichever higher, 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 for both principal & supplementary
Service Tax RM25.00 will be imposed on each principal and supplementary credit card and charge card upon new card activation date and subsequently, upon the anniversary of your card approval date

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

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

For Citi Choice Credit Card Terms and Conditions, click here.

For Citi Credit Cards Terms and Conditions, click here.

  • Quick Links

    Looking for a no annual fee credit card? Citi Simplicity+ Credit Card is a no annual fee credit card that gives 10% interest back every month for on-time payments & more.

    You can also compare credit cards and choose the one that is ideal for your needs.

    Make the most of your savings, everyday spend, shopping escapade and travel experience with Citi. View all credit cards and apply for credit card with Citi to start enjoying the offers today.