WORLD-CLASS PRODUCTS

World-class Products

World-class Products

Solutions That Span The Globe

Whether you are planning to grow your wealth or protect your assets, you will find a Citigold solution that is in line with your investment risk profile and objectives.

Long-term Investments

Whether you're planning for retirement or wealth accumulation, our products offer various levels of risk and returns across different investment types in various countries, enabling you to diversify your portfolio and better realise your future plans.

Choose from a wide range of unit trusts offerings comprising of a combination of securities such as stocks, bonds and futures. These are professionally managed by reputable leading names in fund management.

Fixed Income Securities, such as bonds, generally offer more predictable returns on your investments with a lower risk potential compared to equity investments.

As an overview, bonds:

  • Are debt instruments issued by the Government, Government Agencies, supranational agencies or corporations
  • May pay a regular (monthly, quarterly, semi-annual or annual) fixed rate of interest, a variable rate of interest or no interest over the life of the bond
  • Have tenures ranging from a year to as long as 30 years

Market-linked Investments are structured investments that are principal-guaranteed (in full or partial) at maturity, providing potentially enhanced yields and higher returns as compared to regular deposits of a similar tenure.

Market-linked Investments can be structured with one or more embedded instruments such as stocks, equity indices, bonds, commodities, interest rate benchmarks, currencies - or a combination of each asset, a reference index or any other benchmark. Potential interest payments on Market-linked Investments include interim interest and/or returns on maturity.

On a precautionary note, do take into consideration the exchange rate fluctuations if your investments are denominated in foreign currencies.

Short-term Investments

Optimise your wealth potential in the near term with our short-term investment products, which allow you to capitalise on targeted market opportunities.

Investing in a Dual Currency Account offers potentially higher returns by taking advantage of currency exchange rate movements. As this facility involves investments in one or more foreign currencies, do consider the exchange rate fluctuations, the timing, your choice of currencies and your personal investment preferences carefully.

Liquid Assets

Liquidity is an important factor in any investment portfolio, generally referring to cash that is easily accessible especially in urgent cases. Our array of liquid asset products gives you the flexibility to grow your funds without having to lock your funds for a long period.

A checking account that is designed to give you higher interest rates based on your total Assets Under Management (AUM) with Citibank.

  • Yields high interest rates of up to 3.00% p.a.
  • A personalised Citibank chequebook
  • Sums up the total AUM in your deposit and investment products for more attractive interest rates
  • Complimentary instant online fund transfers to overseas Citibank accounts in participating countries
  • Online Global View to view your Citibank Accounts across selected countries with a single login
  • Up to RM10,000 daily cash withdrawal
  • Complimentary cash withdrawals* across MEPS ATMs nationwide
  • Complimentary bills and loans payments* across selected MEPS ATMs nationwide
  • Online account inquiries and banking transactions via Citibank or Citigold Online

*Up to 4 complimentary combined transactions per month

Enjoy the best of both worlds through our integrated savings and checking account that works harder than the standard savings account. With only a minimum deposit of RM5,000, you can take pleasure in having:

  • A transactional account with daily interest that is credited monthly into your account
  • Attractive interest rates for deposits with balances above RM10,000
  • A personalised Citibank chequebook
  • A Citibank/Citigold Debit & ATM card which can be used worldwide
  • Up to RM10,000 daily cash withdrawal
  • Complimentary instant online fund transfers to overseas Citibank accounts in participating countries
  • Online Global View to view your Citibank accounts across selected countries with a single login
  • Complimentary cash withdrawals* across MEPS ATMs nationwide
  • Complimentary bills and loans payments* across selected MEPS ATMs nationwide
  • Online account inquiries and banking transactions via Citibank or Citigold Online

*Up to 4 complimentary combined transactions per month

Get the competitive interest rates of a Citibank Time Deposit, and enjoy the flexibility of partial withdrawals before the maturity date. Choose between minimum deposits of either RM5,000 for 1 month, or RM1,000 for 2 - 60 months, and enjoy:

  • Earning monthly interest*
  • Partial withdrawals in multiples of RM5,000 before maturity (remaining balance continues to earn interest at the rate you signed up for)
  • Complimentary monthly combined statements consolidating all transactions
  • Online account inquiries via Citigold Online
  • Ringgit for Ringgit overdraft facility

*Monthly interest is only available for minimum deposit of RM50,000 and for a minimum tenure of 6 months.

Invest in Foreign Currency Time Deposits and enjoy earning potentially higher returns than ordinary Time Deposits. Choose from our wide range of Foreign Currency Time Deposits and enjoy numerous benefits, which include:

  • Useful in several instances, such as receiving income from foreign employment, facilitating payment for overseas education, spending money for holiday travels, etc.
  • Greater flexibility in choice of tenures (1, 3, 6, 9 and 12 months available)
  • Affordable minimum deposit of USD3,000 or its equivalent in your choice of currency:
    • US Dollar
    • Canadian Dollar
    • Australian Dollar
    • Euro
    • Singapore Dollar
    • Pound Sterling
    • New Zealand Dollar
    • Japanese Yen
    • Hong Kong Dollar
    • Swiss Franc

Designed to help you manage your everyday transactions, the Citibank Foreign Currency Call Account is a non-interest bearing account, easily opened with a minimum deposit of USD3,000 or its equivalent. This account offers the following benefits:

  • Allows you to receive income from foreign employment or facilitate payment for overseas education
  • Complimentary monthly combined statement consolidating all transactions
  • Online account inquiries
  • Various options of foreign currencies for you to choose from:
    • US Dollar
    • Canadian Dollar
    • Australian Dollar
    • Euro
    • Singapore Dollar
    • Pound Sterling
    • New Zealand Dollar
    • Japanese Yen
    • Hong Kong Dollar
    • Swiss Franc
Insurance

Insurance prepares you for the occasional setbacks in life, and allows you to secure your future while staying on track of your goals, and forging ahead towards your aspirations with peace of mind.

Travel Insurance

Whether you're a frequent or occasional traveller, SmartTraveller is your ideal protection plan when you're abroad, made more affordable with a family plan option. SmartTraveller provides 24-hour assistance all around the world, with comprehensive coverage that includes:

  • Personal accident
  • Reimbursement of medical expenses
  • Follow-up treatment upon return to Malaysia
  • Lost or damage to baggage
  • Loss of travel documents and money due to robbery or theft
  • Acts of terrorism and excludes direct participation in terrorism
  • Recreational activities like scuba diving and winter sports
  • Emergency medical evacuation to the nearest hospital
  • Emergency medical repatriation back to Malaysia to continue treatment

Motor Insurance

  • Save hassle with online purchase and renewal
  • Save time - it just takes 10 minutes!
  • Earn Rewards points, cash rebates or PremierMiles

Savings and Protection Plans

Flexi Saver is a regular premium investment-linked insurance plan which covers death and Total Permanent Disability (TPD), while giving you the flexibility to grow your wealth through an array of investment funds. You can also enhance your protection by adding supplementary insurance coverage to safeguard your ever-changing needs.

  • An investment-linked insurance plan that covers death and Total Permanent Disability (TPD)
  • Wide array of investment funds to help you meet your investment objectives
  • Flexibility of adding supplementary insurance coverage to meet all your protection needs

ValuePac gives you the flexibility to convert your term insurance plan into a whole life plan. Extend your coverage at no additional cost.

Use your Citi Credit Card without worry knowing there is Credit Shield Select to care for you.

  • Settles off outstanding balances in the event of an unfortunate incident
  • 10% No Claim Bonus
  • Early stage cancer benefit equivalent to 30% sum assured. Cancer benefit resets to 100% a year after diagnosis date for Early Stage Cancer.
  • Cancer benefit of 100% payout of the sum assured upon plan maturity.
  • Gender specific cancer benefit of 200% sum assured.

Home Protection Plans

An insurance plan that takes care of your mortgage in the unfortunate event of total permanent disability or loss of life. With this plan, you can free your loved ones from the financial liabilities of settling the remaining loan balance.

Islamic Banking

Alongside all our investment products, you can also enjoy a range of products that work in line with the tenets of Islamic banking. With strict adherence to Shariah principles, you can be sure you've made a fair and wise decision when you choose our Islamic banking products.

Based on the concept of "Wadiah Yad Dhamanah", the Citibank Checking Account-i honours the Islamic banking concept of guaranteed safe custody. Funds deposited will be utilised for Shariah-compliant purposes. The bank may award you hibah from time to time at its discretion.

  • Get your own personalised cheques
  • Up to RM10,000 cash withdrawal daily for Citigold members
  • Online account inquiries and banking transactions via Citibank or Citigold Online
  • Free monthly combined statement consolidating all transactions
Home Financial Services

If you're looking at investing in property, we offer a range of flexible home financing solutions, each with distinct benefits, designed with your best interests in mind.

The Citibank Housing Loan gives you total convenience and extra savings, with disciplined monthly instalments to help you focus on your priorities. Choose Housing Loan to enjoy:

  • Savings from competitive rates and daily interest calculation
  • Disciplined monthly instalments for financing of completed properties
  • More disposable income by paying only interests during property construction period OR more savings when you opt to commence monthly instalments
  • Flexibility to make early or extra payments in any amount at any time - no notice required, no fees charged
  • EPF withdrawal to reduce the outstanding loan
  • Optional MRTA or MLTA insurance plan to safeguard your home

Freedom is the cornerstone of Citibank Homecredit. It's an amortizing revolving loan with chequebook and ATM facilities that gives you flexible repayment and withdrawal methods for total control over your finances. Choose Homecredit to enjoy:

  • Single integrated account that allows you to consolidate all your deposits and housing loan accounts for better management
  • Pay-as-you-wish and save on interest - with fixed monthly instalments, just pay more to save on interest or pay less when you have other priorities
  • Payment and withdrawal flexibility with no notice required, and no fees charged
  • No monthly maintenance fee.
  • Credit balance is eligible for protection by PIDM*.
  • Access to cash anytime whether it's over the counter, ATM or Citibank Online, issuance of cheques also accepted
  • Important changes effective 1 January 2017 – Implementation of 1% p.a. commitment fee. Click here for more details.
  • Optional MRTA or MLTA insurance plan to safeguard your home

*Click here for more details on PIDM protection

The loan approval is subject to the Bank’s credit review. The rate on this loan may change according to the changes in Base Rate (BR).

The housing loan that offers you complete flexibility on your repayments. Should you choose to, you can pay off your loan faster, whenever you want. With FlexiHome Loan, you can enjoy:

  • Flexibility to deposit more than your monthly instalment or withdraw excess amounts anytime, and as often as you wish.
  • Daily interest calculation for more interest savings
  • Option to start your principal repayments immediately even if your home is still under construction, rather than merely servicing progressive interest
  • Excess payment available for withdrawal is eligible for protection by PIDM*.
  • When you deposit funds in excess to the instalment (“Extra Payment”), your principal will be automatically reduced the following day for the purpose of calculation of interests. Interests will be calculated on the amount which is the difference between the loan outstanding balance and the Extra Payment deposited into the Flexi Current Account ("Interest Offset Feature").
  • The amount of the Interest Offset Feature will be capped at 70% of your total loan outstanding balance ("Offset Cap"). The remaining 30% of the loan outstanding balance which exceeds the Offset Cap will be charged at the effective interest rate of the loan. This is applicable for loan approved on and after 1 January 2016.
  • Optional MRTA or MLTA insurance plan to safeguard your home

*Click here for more details on PIDM protection

The loan approval is subject to the Bank’s credit review. The rate on this loan may change according to the changes in Base Rate (BR).

For more information, please speak to your Relationship Manager.