Citibank Personal Loan

Citibank Berhad

Financing Amount: RM5000 – RM150000
Financing Tenure: 2 to 5 Years
Interest Rate : 5.88% p.a – 9.80% p.a
Loan Features: Conventional, Fast Approval, Unsecured
Employment: Private Sector Employee, Self Employed
Minimum Yearly Income: RM48000
Age Eligibility: 21 to 60 Years Old
Debt Consolidation: Yes
Citibank Personal Loan

Citibank Personal Loan in an unsecured conventional personal financing plan from Citibank Berhad. This personal financing scheme is available to private sector employee in Malaysia and for those who are self-employed with a registered business. Citibank offers an attractive low-interest rate compared to other conventional personal loans in Malaysia. Financing amount starts from RM5,000 and can go up to RM150,000 with financing tenure from 2 to 5 years. Citibank Personal Loan is well known for their higher approval rate when compared to other personal loans. Read more to find out what are the requirements to apply for this loan, and how you can apply online without walking-in to any Citibank branches.

Citibank Personal Loan Features

Below are the features and some of the attractive features offered by Citibank Personal Loan.

  • High approval rates
    This personal loan is one of the conventional personal financing plans with a high approval rate.
  • Unsecured personal financing
    By being an unsecured personal loan, you don’t have to provide any guarantor or collateral to apply for this loan.
  • Fixed interest rate
    Citibank personal loan comes with a fixed interest rate as low as 5.88% p.a – one of the lowest interest rate for a conventional personal loan in our country.
  • Flexible financing amount
    You can choose to borrow from RM5,000 to RM150,000 from Citibank through Citibank personal loan.
  • Zero processing charge
    Unlike other conventional personal loans, there isn’t any processing charge associated with this personal loan.

Requirements & Eligibility

Before applying for Citibank Personal Loan, make sure you are eligible and meet these requirements by Citibank.

General Requirement

  • Malaysian PR
  • Age between 21 to 60 years old.
  • Minimum monthly income is RM4,000, or minimum annual income is RM48,000.
  • Not blacklisted by AEON or any other banks in Malaysia.
  • Not under Special Attention Account (SAA) – Pemerhatian Khas.
  • Not under the Debt Management Programme by AKPK.

For Self-Employed

  • Registered business with Suruhanjaya Syarikat Malaysia (SSM) for more than 2 years.
  • Registered bank’s current account.

Additional Requirement

  • For higher financing limit, you need to have a monthly commitment from any banks for a credit card, personal loan, home loan or hire purchase for at least 2 years upon application.

Not eligible to apply?

If you didn't meet the requirements to apply, you can use our "Check Eligibity Form" to find the best personal financing plan for you.

Documents Needed

If you meet all the requirements to apply for Citibank Personal Loan, you will have to provide these documents to when applying.

Private sector employee

  1. Copy of NRIC (front and back).
  2. Latest 2 months payslips; or latest EPF statement.
  3. Any of these documents:
    – Latest BE form with a valid tax receipt.
    – Latest 3 months bank statement (salary credited account).
    – Latest EA form (12 months).


  1. Copy of NRIC (front and back).
  2. Business registration certificate.
  3. Latest B form with a valid tax payment receipt; or Latest 6 months current account statement.

Repayment Schedule/Table

We are still updating the installment/repayment table for Citibank Personal Loan. Sorry for the inconvenience.

Charges & Fees

Below are the charges and fees imposed by Citibank for this personal loan.

  1. No processing fees.
  2. 5% stamp duty from the loan amount.
  3. An early termination fee of RM200 or 3% from the remaining amount – only if the loan is settled within the first 2 years or before reaching half of the tenure.
  4. A late penalty fee of 1% from the current outstanding amount.

How to Apply


Before applying, make sure you have read the Requirements & Eligibility section above. There's no point in applying if you are not eligible to apply for this loan.

You can apply for Citibank Personal Loan by visiting any of Citibank Berhad branch.

You can also apply online from the comfort of your home or office using RinggitPlus service. It’s free and in some cases you will get quicker result with higher approval rate. Read more below.

Apply Citibank Personal Loan with RinggitPlus

Do you know you can apply Citibank Personal Loan through RinggitPlus? The process is 100% online without you having to leave your office or home.

Just submit your name, phone number and RinggitPlus will call you within 24 hours and guide you step by step through the application process. And their service are 100% Free of Charge.

If you would like a hassle-free Citibank Personal Loan application, give RinggitPlus a try. Click APPLY NOW button and apply for Citibank Personal Loan through RinggitPlus right now.

You will be redirected to RinggitPlus website. On the website, click Apply Now to proceed with your application.

Citibank Personal Loan Review

Citibank Personal Loan is a popular unsecured personal loan for professionals and business owner looking for quick cash. With one of the lowest fixed interest rates in Malaysia, this personal financing plan is one of the most sought after in Malaysia. However, the low-interest rate comes with a price. The requirements to apply for Citibank Personal Loan is a bit on the high side. You will have to earn at least RM4,000 a month as one of the requirements. Not to mention the required monthly commitment with any banks for at least two years to support your application. However, if you meet all the requirements from Citibank, applying for this personal loan will be a walk in the park. Citibank personal loan is one of the loans with high approval in our country.

Citibank Personal Loan


  • Low-interest
  • Financing amount up to RM150,000
  • Zero processing fee.
  • High approval rate.


  • High salary requirement.
  • Require at least 2 years commitment with banks.
  • Early termination fee.

Our Rating


Out of 5

Frequently Ask Questions on Citibank Personal Loan

Below are some of the frequently ask question regarding Citibank Personal Loan

What is Citibank Personal Loan?

Citibank Personal Loan a Conventional Personal Financing plan from Citibank Berhad.

Who can apply for Citibank Personal Loan?

Citibank Personal Loan is offered to Malaysian Citizen aged between 21 and 60, working in the Private Sector, Self Employed with a minimum annual income of RM48000. Please refer to the “Requirements and Eligibility section” for the complete requirements.

How much can I borrow from Citibank Personal Loan?

You can borrow from RM5000 up to RM150000. However, final approval amount will depends on several factor such as your income, credit score, etc.

How long is the financing tenure?

Citibank Personal Loan offer a financing tenure from 2 to 5 years. However, maximum financing tenure will depends on Citibank Berhad final decision.

How can I apply for Citibank Personal Loan?

Please refer to the “How to Apply Section” above.

How long do I have to wait for result?

Usually you will get your Citibank Personal Loan application’s result in 24 hours after you have submitted the required documents.

How much do I have to pay every month?

Please refer to the “Loan Repayment Schedule” above.

Can I apply Citibank Personal Loan for Debt Consolidation?

Yes, you can apply this loan for debt consolidation. Please consult directly with Citibank Berhad or use RinggitPlus service on how to apply for debt consolidation.

Can I apply if I am blacklisted in my CTOS report?

Sorry, you can’t apply for Citibank Personal Loan if you are blacklisted in your CTOS report. However, if you are blacklisted by non-financial institution such as telecommunication companies, easy payment scheme, etc, you are eligible to apply.

Can I apply if I have a bad credit score in my CCRIS report?

Sorry, you are not eligible to apply for Citibank Personal Loan if you have outstanding credit in your CCRIS report.

Can I apply if I’m under AKPK Debt Management Programme?

Unfortunately no. You cannot apply any bank loans if you are under the AKPK Debt Management Programme.

I have other questions regarding Citibank Personal Loan

Please leave your question in the comment section below. We will reply to them as soon as possible.

Got Questions Regarding Citibank Personal Loan?

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