Gold Card Rates
Tier 1 - 2.5% on the amount charged to the Co-Brand Card
Tier 2 - 5% on the amount charged to the Co-Brand Card

and

Classic Card Rates
Tier 1 - 1.5% on the amount charged to the Co-Brand Card
Tier 2 - 3% on the amount charged to the Co-Brand Card


The Co-Brand Cardholders will be entitled to participate in the relevant Tier 1 rate if the Co-Brand Cardholder carries forward such amount of balance of its Co-Brand Card charges as at the preceding statement date to the immediately following statement date as follows (subject to such change as may be determined by Citibank):
(a) for Gold Card – carried forward balance is less than or equal to RM4,000;
(b) for Classic Card – carried forward balance is less than or equal to RM2,000.

The Co-Brand Cardholders will be entitled to participate in the relevant Tier 2 rate if the Co-Brand Cardholder carries forward such amount of balance of its Co-Brand Card charges as at the preceding statement date to the immediately following statement date as follows (subject to such changes as may be determined by Citibank):
(a) for Gold Card – carried forward balance is more than RM4,000;
(b) for Classic Card – carried forward balance is more than RM2,000.