citibank malaysia travel insurance

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The Guide to Citi Credit Card Travel Insurance

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Table of Contents

Do Citi cards have travel insurance?

Car rental insurance, costco anywhere visa® card by citi travel insurance benefits, citi® / aadvantage® executive world elite mastercard® travel insurance coverage, does citibank offer travel insurance.

Citi credit cards provide a host of benefits, including some generous points and miles earning opportunities (depending on the card you have).

But, when it comes to travel insurance, let’s just say it’s not necessarily Citi cards' strong suit.

Still, there are Citibank travel insurance benefits you should know about to ensure you use the right card when paying for your next trip. Here are the primary benefits associated with Citi card travel insurance.

Only two Citi cards have travel insurance, and each one has a different set of benefits: The Costco Anywhere Visa® Card by Citi and the Citi® / AAdvantage® Executive World Elite Mastercard® .

on Citibank's application

Both cards provide rental car insurance.

The Costco Anywhere Visa® Card by Citi also offers roadside assistance, worldwide travel accident insurance and a 24/7 concierge for travel and emergency assistance. The Citi® / AAdvantage® Executive World Elite Mastercard® , on the other hand, offers baggage protection, trip cancellation/interruption insurance and trip delay protections.

» Learn more: Best Citi credit cards right now

If you use either of the two Citi credit cards listed above to pay for a car rental, Citi travel insurance will protect any damages to a rental car up to $50,000.

This amount will cover the cost of repairs or the cash value of the car, whichever is lower. It applies anywhere you rent a car — there are no geographic limitations — as long as the rental period is no longer than 31 days. Citibank travel insurance covers accidental damage, theft, vandalism or a natural disaster, and any necessary towing costs.

Citi's rental car insurance is secondary when renting a car within the U.S., but if you're renting outside of the country, it switches to primary coverage.

With secondary insurance, you need to rely on any other insurance coverage you have before Citi’s car rental insurance kicks in. Primary insurance, alternatively, will be the first line of coverage you have.

Coverage wouldn't apply if you rent the car to someone else or operate a rental car as a rideshare vehicle. It also only covers the car, not any personal injuries that might result from an accident.

There are several types of vehicles that are excluded from coverage. These include:

Trucks, pickup trucks, trailers, full-size vans on a truck chassis or recreational vehicles like campers and off-road vehicles.

Motorcycles or motorized bikes.

Commercial vehicles or cargo vans.

Any vehicle with fewer than four wheels.

Antique vehicles older than 20 years or that have not been made in the past decade.

Limousines.

Sport-utility trucks or open, flat-bed trucks.

Any vehicle that retails for over $50,000.

» Learn more: Rental car insurance explained

Roadside assistance

When driving in the U.S., roadside assistance is available for Costco Anywhere Visa® Card by Citi cardholders by calling 866-918-4670.

Roadside assistance is valuable in the event of an accident, loss of fuel or other vehicle malfunction. Keep in mind that you would still have to pay for the assistance (like a tow truck, for example), but this benefit makes it easy to reach someone with one phone call.

Citi card provides access to similar assistance as a membership program like AAA . The difference is that AAA’s annual fee covers roadside assistance fees while Citi's coverage doesn't; it solely provides access to someone who can help you for a reduced rate.

Several credit cards provide some type of roadside assistance and are worth considering before paying the annual fee for AAA.

Worldwide travel accident insurance

The Costco Anywhere Visa® Card by Citi includes accident insurance, which covers the cardholder or family members if they are injured or killed when traveling on a common carrier (any vehicle that is licensed to carry passengers like a bus, plane, cruise ship or train).

You will need to have used the Citi card to cover the entire cost of the travel on that common carrier for the benefit to apply. The maximum coverage is $250,000.

» Learn more: How does travel insurance work?

Travel and emergency assistance

The Costco Anywhere Visa® Card by Citi card provides access to a 24/7 concierge to help you with a disruption to your trip. This can include medical assistance, referrals to a doctor or legal help. It can also help if you need to adjust travel plans.

Just remember, you’ll be responsible for paying for any services used, but the call is toll-free.

Baggage protection

Only available for the Citi® / AAdvantage® Executive World Elite Mastercard® , this luggage protection provides coverage if your checked bag is stolen, lost or damaged.

The insurance covers as much as $3,000 per person ($2,000 for New York residents), but only kicks in if you use the card or American AAdvantage miles to pay for the trip.

» Learn more: The guide to baggage insurance

Trip cancellation and interruption insurance

If a covered traveler has a medical emergency or dies, the Citi® / AAdvantage® Executive World Elite Mastercard® coverage can provide reimbursement for up to $5,000 in eligible nonrefundable expenses.

You would need to use the card or American AAdvantage miles to pay for the trip.

Trip delay protection

Another benefit that’s reserved only for the Citi® / AAdvantage® Executive World Elite Mastercard® is trip delay protection . This coverage kicks in if your trip is delayed by at least six hours, and offers reimbursement for expenses incurred during the delay, up to $500 per trip.

This would include reasonable purchases like hotel stays, rental cars and meals.

» Learn more: The best travel credit cards right now

Citibank travel insurance is available, but limited. It is only offered on two cards and isn't as comprehensive as other credit cards with travel insurance .

Both cards include rental car coverage, but beyond this, each has its own set of benefits. Depending on which one you hold, it may include coverage like trip delay protection or roadside assistance.

People hold Citi cards for many reasons, including the ability to earn transferable Citi ThankYou Points . But, the travel insurance benefits are somewhat limited. If you have a Citi card, review the travel insurance perks before you take off to understand your coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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The Best Credit Card For Travel Insurance Coverage In Malaysia

If you’re a credit card expert looking for the best travel insurance coverage in Malaysia, then you’ve come to the right place! In this article, we’ll dive into the world of credit cards and explore which one offers the most comprehensive coverage for your travel needs. From proper H1, H2, and H3 tags to engaging content and embedded videos, we’ve got everything you need to ensure you’re fully informed before your next adventure. So buckle up and get ready to discover the ultimate credit card companion for your travels in Malaysia!

Table of Contents

The Best Credit Cards for Travel Insurance Coverage in Malaysia

Traveling can be an exciting and enriching experience, but it’s important to have the right protection in place in case of any unforeseen circumstances. That’s where credit cards with comprehensive travel insurance coverage come in handy. In Malaysia, there are several credit cards that offer great benefits when it comes to travel insurance. Let’s take a closer look at some of the best options available to you.

1. Maybank 2 Gold/Platinum Cards

Comprehensive travel insurance coverage.

When it comes to travel insurance, Maybank 2 Gold/Platinum Cards offer extensive coverage to give you peace of mind on your journeys. From trip cancellations and delays to lost baggage and medical emergencies, you’ll be well protected with their comprehensive insurance policy.

Easy Application Process

Applying for a Maybank 2 Gold/Platinum Card is a breeze. The application process is quick and hassle-free, allowing you to get on with your travel plans without any delays.

Competitive Cashback and Rewards Program

In addition to the outstanding travel insurance coverage, Maybank 2 Gold/Platinum Cards also offer a competitive cashback and rewards program. You can earn cashback on your everyday spendings and collect reward points that can be redeemed for travel-related benefits.

Annual Fee Waiver

Another perk of the Maybank 2 Gold/Platinum Cards is the annual fee waiver. With certain spending criteria, you’ll be able to enjoy the benefits of this card without the burden of an annual fee.

2. CIMB World Mastercard

Extensive travel insurance benefits.

CIMB World Mastercard offers a wide range of travel insurance benefits, including coverage for trip cancellations, lost baggage, and emergency medical expenses. With this card in your wallet, you’ll be prepared for any unexpected situations that may arise during your travels.

Global Concierge Service

One of the standout features of the CIMB World Mastercard is its global concierge service. Whether you need assistance with hotel bookings, restaurant recommendations, or even exclusive event access, their dedicated concierge team is there to help you make the most of your travel experiences.

Exclusive Airport Lounge Access

Traveling can sometimes be strenuous, but with the CIMB World Mastercard, you can relax and unwind at exclusive airport lounges around the world. Enjoy comfortable seating, complimentary snacks and beverages, and other amenities to make your journey more enjoyable.

Contactless Payment Technology

With CIMB’s contactless payment technology, you can make quick and secure transactions by simply tapping your card at contactless-enabled terminals. This feature adds convenience to your travel experience, especially in countries where contactless payments are widely accepted.

3. Citibank PremierMiles Visa Card

High travel insurance coverage.

If you’re looking for a credit card with high travel insurance coverage, look no further than the Citibank PremierMiles Visa Card. This card offers extensive protection, including coverage for trip cancellations, personal accidents, and even emergency medical evacuation.

Generous Miles Rewards Program

Citibank PremierMiles Visa Card also includes a generous miles rewards program. For every RM1 spent on the card, you’ll earn PremierMiles that can be redeemed for flights, hotel stays, or other travel-related expenses. With this card, your everyday spending can help fund your next adventure.

Mile Transferability

Flexibility is key when it comes to miles rewards programs, and the Citibank PremierMiles Visa Card delivers just that. You have the option to transfer your earned miles to over 60 different airline loyalty programs, giving you more freedom and choices to make the most of your rewards.

Flexible Redemption Options

When it’s time to redeem your miles, Citibank PremierMiles Visa Card offers a variety of options to suit your travel needs. From booking directly with partner airlines to taking advantage of hotel stays and other travel-related rewards, you’ll have plenty of choices to make your dream vacation a reality.

4. HSBC Premier Travel Credit Card

Travel insurance for cardholder and family members.

HSBC Premier Travel Credit Card provides comprehensive travel insurance not only for the primary cardholder but also for their family members. This means that your loved ones will also be covered when traveling with you, offering peace of mind for the entire family.

Priority Pass Membership

One of the standout features of the HSBC Premier Travel Credit Card is the complimentary Priority Pass membership. With this membership, you’ll have access to over 1,200 airport lounges worldwide, making your travel experience even more comfortable and enjoyable.

Emergency Medical Assistance

In case of any medical emergencies during your travels, HSBC Premier Travel Credit Card offers emergency medical assistance services. Whether it’s arranging for medical evacuation or coordinating with local medical providers, their dedicated team is available 24/7 to assist you.

Access to Visa Luxury Hotel Collection

With the HSBC Premier Travel Credit Card, you’ll also gain access to the Visa Luxury Hotel Collection. Enjoy special perks and benefits when you book your stay at participating luxury hotels, such as room upgrades, complimentary breakfast, and late check-outs.

5. Standard Chartered WorldMiles World Mastercard

Complimentary travel insurance coverage.

Standard Chartered WorldMiles World Mastercard offers complimentary travel insurance coverage to ensure your journeys are well-protected. Whether it’s trip interruptions, lost baggage, or medical emergencies, you can travel with peace of mind knowing that you’re covered.

WorldMiles Rewards Program

With the Standard Chartered WorldMiles World Mastercard, you’ll earn WorldMiles for every RM2 spent on the card. These WorldMiles can be redeemed for flights with over 200 airlines, helping you save on your travel expenses and make your dream trips a reality.

Airport Lounge Access

Make your pre-flight experience more comfortable with the Standard Chartered WorldMiles World Mastercard. Gain access to exclusive airport lounges worldwide and enjoy complimentary snacks, beverages, and other amenities while you wait for your flight.

Special Dining Privileges

If you’re a foodie, you’ll love the special dining privileges that come with the Standard Chartered WorldMiles World Mastercard. Enjoy discounts and exclusive offers at select restaurants and dining establishments, making your culinary adventures even more enjoyable.

6. Alliance Bank Visa Infinite Card

With the Alliance Bank Visa Infinite Card, you’ll enjoy comprehensive travel insurance coverage. From trip cancellations and delays to lost baggage and medical emergencies, this card ensures that you’re well-protected throughout your travels.

Alliance Bank Visa Infinite Card also offers a global concierge service to assist you with various aspects of your travel. Whether you need help with hotel bookings, restaurant recommendations, or even visa assistance, their dedicated concierge team is just a phone call away.

Traveling can sometimes be tiring, but with the Alliance Bank Visa Infinite Card, you can relax and rejuvenate at premium airport lounges around the world. Enjoy comfortable seating, complimentary snacks and beverages, and other amenities to make your journey more pleasant.

Exclusive Golf Privileges

For golf enthusiasts, the Alliance Bank Visa Infinite Card offers exclusive golf privileges. Enjoy access to premier golf courses, preferential rates, and other benefits to enhance your golfing experiences both at home and abroad.

7. UOB PRVI Miles Mastercard

Travel insurance coverage for cardholder and dependents.

UOB PRVI Miles Mastercard provides travel insurance coverage not only for the primary cardholder but also for their dependents. This means that your whole family will be covered during your travels, giving you peace of mind wherever you go.

PRVI Miles Rewards Program

With UOB PRVI Miles Mastercard, you’ll earn PRVI Miles for every RM1 spent on the card. These PRVI Miles can be redeemed for flights, hotel stays, and other travel-related benefits, making your travel experiences even more rewarding.

Flexible Miles Redemption

When it comes time to redeem your PRVI Miles, UOB PRVI Miles Mastercard offers flexibility. You have the freedom to choose how you want to use your miles, whether it’s for flights, hotel stays, or even merchandise from their extensive rewards catalog.

UOB PRVI Miles Mastercard also features contactless payment technology, allowing you to make quick and secure transactions with just a tap of your card. This feature adds convenience to your travels, especially in countries where contactless payments are widely accepted.

8. RHB Premier Visa Infinite Credit Card

Travel insurance benefits and coverage.

RHB Premier Visa Infinite Credit Card offers comprehensive travel insurance benefits and coverage, ensuring that you’re well-protected during your journeys. From trip cancellations and delays to lost baggage and medical emergencies, this card has you covered.

With the RHB Premier Visa Infinite Credit Card, you’ll also have access to a global concierge service. Their dedicated team is available 24/7 to assist you with various travel-related services, including hotel bookings, restaurant recommendations, and even event ticketing.

Golf Privileges

For golf enthusiasts, the RHB Premier Visa Infinite Credit Card offers exclusive golf privileges. Enjoy access to premier golf courses, preferential rates, and other benefits to enhance your golfing experiences both locally and abroad.

F&B and Hotel Discounts

With the RHB Premier Visa Infinite Credit Card, you’ll enjoy discounts and special offers at select restaurants and hotels. Whether you’re dining out or planning a staycation, this card helps you save on your dining and accommodation expenses.

9. Affin Bank Visa Infinite Card

Travel insurance coverage.

Affin Bank Visa Infinite Card provides travel insurance coverage to ensure that you’re well-protected during your travels. This coverage includes trip cancellations, emergency medical expenses, lost baggage, and other travel-related incidents.

Premium Lifestyle Privileges

In addition to travel insurance coverage, Affin Bank Visa Infinite Card also offers premium lifestyle privileges. Enjoy exclusive benefits such as dining discounts, hotel privileges, and access to exclusive events, making your travel experiences even more memorable.

With Affin Bank Visa Infinite Card’s contactless payment technology, you can enjoy quick and secure transactions with just a tap of your card. This feature adds convenience to your everyday spendings, especially in countries where contactless payments are prevalent.

Rewards Program

Affin Bank Visa Infinite Card also offers a rewards program, allowing you to earn points for every RM1 spent on the card. These points can be redeemed for a variety of rewards, including travel-related benefits such as flights and hotel stays.

10. Hong Leong Visa Infinite

Hong Leong Visa Infinite provides travel insurance coverage to ensure that you’re well-protected during your journeys. Whether it’s trip cancellations, lost baggage, or medical emergencies, this card offers extensive coverage to give you peace of mind.

Visa Infinite Concierge Service

With Hong Leong Visa Infinite, you’ll have access to the Visa Infinite concierge service. Their dedicated team is available 24/7 to assist you with various travel-related services, including hotel bookings, restaurant recommendations, and even event ticketing.

Make your travel experience even more enjoyable with Hong Leong Visa Infinite’s airport lounge access. Gain entry to exclusive airport lounges worldwide and enjoy complimentary snacks, beverages, and other amenities while waiting for your flight.

Dining and Shopping Privileges

With Hong Leong Visa Infinite, you’ll also enjoy dining and shopping privileges at select restaurants and retail outlets. Whether it’s discounts, exclusive offers, or even complimentary vouchers, this card adds value to your culinary and shopping adventures.

In conclusion, having a credit card with comprehensive travel insurance coverage is essential when you’re embarking on your next journey. Whether it’s protection against trip cancellations, emergency medical expenses, or lost baggage, these credit cards in Malaysia offer extensive coverage to give you peace of mind. Additionally, many of these cards come with attractive rewards programs, exclusive lifestyle privileges, and access to premium airport lounges, adding even more value to your travel experiences. So, choose the credit card that suits your needs and start exploring the world with confidence!

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• Insurance Benefits
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• Coverage is provided by Chubb. All regular full-time and part-time employees have BTA coverage equal to five times their benefits eligible pay to a maximum benefit of $2 million. Your spouse/partner and/or dependent children are considered covered persons and have BTA coverage while accompanying you on a business or relocation trip. An eligible spouse/partner has a coverage amount of $150,000.
• Each eligible dependent child (up to age 26) has a coverage amount of $25,000.

Save more on every Grab ride you take when you pay with any of these five Singaporean credit cards.

5 Best Credit Cards For Travel Insurance

CompareHero.my Team

Ambank Visa Signature

Up to RM1 million insurance coverage.

Eligibility:

• Minimum Income: RM80,000 per annum
• Minimum Age: 21 years old
• Annual Fee: Free for life

You may not think of travel insurance when you think of AmBank , but this will change your mind. With the AmBank Visa Signature credit card, you can enjoy up to RM1 mil insurance coverage including death and total and permanent disability pay-out when you buy your flight tickets to the same card.

• Further compensation benefits are as below:
• Lost Luggage (more than 6 hours) – up to RM1,600
• Delayed Luggage (more than 6 hours) – up to RM800
• Flight Delay (more than 6 hours) – up to RM800
• Missed Connection (more than 4 hours) – up to RM800

AmBank Visa Signature is also a great Air Miles credit card where you can convert AmBonus Points to Air Miles with 3 world class Frequent Flyer / Travel Reward Programs such as Enrich, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG and redeem free flights for your next getaway with over 50 airline partners.

Added Premium benefits converts your AmBonus Points to redeem discounts up to 50% with the Hilton Premium Club Membership Card. Open up a world of 5-star luxury dining and lounge experience.

Alliance Bank Visa Infinite Card

Travel insurance by MSIG Insurance (Malaysia)

• Minimum Income: RM150,000 per annum

Is it best to have a credit card with strong banking or good insurance benefits? Why not have both? Enter the Alliance Bank Visa Infinite card – a card that does more for your finances and travel insurance. Aside from the 5x Timeless Bonus Points for overseas retail spend and 2x Timeless Bonus Points for local retail spend, you also enjoy these features:

• Complimentary Supplementary Card
• Lifetime Annual Fee Waiver
• Free Flights with Enrich Miles and AirAsia BIG Points redemption
• Access to KLIA Plaza Premium Lounge

Don’t forget the travel insurance. Complimentary travel insurance coverage is issued by MSIG Insurance (Malaysia) Bhd with Alliance Bank Malaysia Berhad. Benefits are as follows:

• Lost Luggage – up to RM5,000
• Delayed Luggage – up to RM2,000
• Missed Connection – up to RM2,000
• Medical Expenses Coverage – up to RM50,000
• Death or Total Permanent Disablement – up to RM2,000,000

Citibank Citi Rewards Card

Insurance coverage  by CHUBB insurance.

• RM60,000 per annum (Visa Signature)
• RM90,000 (World Mastercard)
• Minimum Age : 21 years old
• Annual Fee: RM600 for Principal card

One of the biggest players in the credit card line-up is Citibank . A global leader, the Citi Rewards Card allows for 5x Rewards Points on everyday spend plus an additional 5x Rewards Points on overseas spend. Premium lounge, 24/7 worldwide concierge and VIP privileges at luxury hotels are all part of the perks of this exclusive card. Insurance coverage is provided by CHUBB insurance. Benefits are as below:

• Accidental Death or Total Permanent Disablement – up to RM50,000
• 30 Days protection up to maximum RM10,000 per item or RM25,000 per occurrence for personal items. This includes accidental loss, damage and theft.

Although the insurance coverage may not seem as great as other cards, you get a world of benefits such as converting your outstanding balance into monthly instalments, converting retail transactions into monthly instalments and cash from credit card online.

Exclusive Promo for Citibank - Click here!

CIMB World Credit Card

• Minimum Income: RM90,000 per annum

It’s always best to support our local banks. Thankfully, CIMB offers good remunerations with its CIMB World Credit Card. You’ll be able to enjoy exclusive regional golf privileges along with accumulated bonus points whenever you spend and World Mastercard Concierge Services. You also get airport premium ride deals, regional dining privileges and food and beverage privileges. Insurance coverage is the icing on the cake.

• Lost Luggage – up to RM12,000
• Delayed Luggage – RM1,000 or up to RM2,000 per family
• Flight Delay – RM1,000 or up to RM2,000 per family
• Missed Connection – RM1,000 or up to RM2,000 per family
• Accidental death or total permanent disability – up to RM1,000,000 lump sum.

Maybank 2 Platinum Card

• Minimum Income: RM60,000. per annum

The list wouldn’t be complete if we didn’t add Malaysia’s favourite bank – Maybank . If you are a Maybank 2 Platinum Card holder, you get to enjoy complimentary insurance coverage up to RM1 mil involving death and total and permanent disability. This applies when you use this card to purchase your flight tickets in full.

You are also entitled to coverage on these travel inconveniences:

• Lost Luggage (more than 48 hours) – up to RM2,500

On top of this feature, you can earn 5 x TreatsPoints with your American Express card by spending in Malaysia or overseas and get extra 5% cashback during the weekend.

Exclusive Promo for Maybank - Click here!

If you have any of these credit cards, you don’t need to spend any more on travel insurance. Keep in mind that the free insurance is typically only for the primary cardholder, even if you buy tickets for multiple passnegers.

Now that you know travel insurance can be free, do not forget to share this article with your friends and family so they can enjoy the same perks too!

The CompareHero.my team is comprised of many talented individuals, sharing their knowledge, experiences and research to help others make better financial decisions.

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Simply charge the Full Fare of your travel ticket to your Citi Card and activate your Complimentary Travel Insurance before you travel.

Complimentary Travel Insurance feature is available for the following cards:

• Citi Rewards World Mastercard ®  / Visa Signature Card
• Citi Cash Back World Mastercard / Visa Signature Card
• Citi Cash Back+ World Mastercard / Visa Signature Card
• Citi Lazada Visa Signature Card

Remember to activate your travel insurance prior to travel to enjoy the Complimentary Travel Insurance feature.

ACTIVATE YOUR TRAVEL INSURANCE HERE

Travel Insurance Agent: HL Assurance Pte Ltd

Who is eligible.

Cardmember, spouse (who is also a Citi Cardmember) and dependent children. Refer to policy document for details and applicable terms and conditions .

Complimentary Travel Insurance Benefits

For full coverage, exclusions and other terms and conditions of this insurance, please refer to policy document .

HL Assurance Pte Ltd

For enquiries or claims, please contact HL Assurance Pte Ltd Call centre at 6702 0202

(Mon - Fri, 9 am to 6 pm, except Public Holidays)

HL Assurance Pte Ltd's 24 hour emergency hotline no. for customer to call when overseas is 6922 6009 .

For more details and applicable Terms and Conditions of the Travel Insurance policy, please  click here .

For HL Assurance Pte Ltd. Claims, please contact HL Assurance Pte Ltd. directly at 6922 6003, Fax (65) 6224 1923, [email protected]

The insurance products or services described above are underwritten and provided by HL Assurance Pte Ltd.

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Why Choose Citylife ?

Announcements, step 1 - get a quote.

All trip must commence from Malaysia except your destination is domestic.

Tips : If husband & wife only, take the individual cover.

Tips : No need give notification to insurance company, you may travel anytime when you want, but duration of every trip shall not exceed 90 days.

Tips : Travel with your friends? Choose the number of adults to the number of person, so that you can purchase for them in a single shot.

Checked If Needed

Choose from 2 levels of cover to suit your pocket and your needs: Standard plan & Super plan

What Customers Say

Trip Cancellation Due To Dengue Fever -- "Luckily my wife asked me to buy travel insurance from Citylife! "

Trip cancellation due to injury -- "citylife helps me in getting my money back".

Trip cancellation due to riot? CityLife will reimburse all your loss.

Citylife Travel PA reimburse RM3,800 for Medical Expenses and Hospital Confinement Benefit.

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Account management

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Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your credit card provides any complimentary insurance covers.

If you need to make a travel claim, we encourage you to do so online . If you are looking for information about the impact of COVID-19 on travel insurance, please refer to our FAQs .

Our complimentary credit card insurance cover is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited.

For each complimentary insurance cover you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

Citi Credit Cards Complimentary Insurance Policy Information Booklet

Additional Information

International Travel Insurance

Eligibility

Citi Prestige and Premier cardholders can access to up to 6 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023  including:

• spending at least $500 of prepaid travel costs on an eligible card or through a frequent flyer or travel program as outlined in the Policy Information Booklet
• holding a return overseas travel ticket before departing Australia
• you are aged under 81 years at the time you become eligible.

Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

You can check your eligibility for International Travel Insurance and obtain a Letter of Eligibility by using the Allianz Global Assistance eligibility portal .

What is covered

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 .

• overseas emergency assistance
• overseas medical and dental expenses
• accidental death, permanent disability and loss of income
• cancellation
• travel delay and alternative transport expenses
• luggage and luggage delay
• rental vehicle excess cover for damage or theft of rental vehicle
• personal liability

A maximum $400 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Domestic Travel Insurance

Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 :

• the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
• before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 .

• flight delay
• additional expenses
• luggage delay

A maximum $75 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Rental Vehicle Excess Insurance in Australia

Citi Prestige and Premier cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder's card account.

The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier.

The amount specified in your rental vehicle agreement up to the maximum total limit of $10,000 for all claims combined during the rental period.

An excess of $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia.

Purchase Protection Insurance

Citi Prestige and Premier cardholders are eligible for Purchase Protection Insurance for covered items or valuables:

• purchased anywhere in the world; or
• purchased and given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered item is charged to the accountholder's card account.

Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.

You are covered for the purchase price charged to the card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

No excess applies to any claim under Purchase Protection Insurance.

Extended Warranty Insurance

Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.

The table below sets out examples of how extended warranty periods apply.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

No excess applies to any claim payable under Extended Warranty Insurance.

Frequently Asked Questions

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499.

What documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.

With this in mind you should make sure you can access the following documents when you travel.

• The Citi Credit Cards Complimentary Insurance Policy Information Booklet
• Copies of your overseas travel ticket; and either:
• your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• evidence confirming that your overseas travel ticket was arranged under the required travel program or the required number of reward or Qantas Frequent Flyer points were transferred or redeemed in exchange for your overseas travel ticket.

Make a Claim

Call emergency services immediately if your condition is life threatening.

Call us as soon as you can on: +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Lodge your International Travel Insurance claim online at travelclaims.com.au

Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au

Phone: 1800 072 791 (within Australia) Monday to Friday 8.30am to 5.00pm AEST

Email: [email protected]

Customer Support:

Phone: 1800 072 791 (within Australia)

Monday to Friday 8.00am to 7.00pm AEST

Citi Rewards cardholders can access to up to 3 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 including:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 .

Citi Rewards cardholders can access to up to 14 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023 :

Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.

The amount specified in your rental vehicle agreement up to the maximum total limit of $5,000 for all claims combined during the rental period.

Citi Rewards cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

provided the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.

Citi Gold cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Gold cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Make a claim

Citi Classic cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Classic cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Simplicity and Clear cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Important Information

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

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PLEASE NOTE THAT

travel prohibition to Israel is imposed by the Government of Malaysia on all Malaysia citizens. As a Malaysia citizen, if you choose “Israel” as your travel destination in our system, you must obtain all the necessary approvals/permits from the Malaysia authorities before purchasing the insurance. Your claim(s) under the insurance policy (if any) may still be subject to the applicable sanction restrictions and the Sanctions Exclusion clause applicable to the insurance policy. If you fail to obtain the necessary approvals/permits, your claim(s) may be fully or partially rejected and/or be subject to the applicable sanctions restrictions and our rights are reserved.

Please note that the application service will be temporarily unavailable on 08 Sep 2024 from 2:00AM to 6:00AM for maintenance works.

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©   Chubb Insurance Malaysia Berhad. Chubb Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. This policy is underwritten by Chubb Insurance Malaysia Berhad. Full details of the terms, conditions and exclusions of this insurance are provided for in the  Policy Coverages . Please read our  Privacy Notice  and the  Product Disclosure Sheet .

Malaysia Travel Insurance

Travel insurance for malaysia.

In the beautiful country of Malaysia, Batu Caves is a sight to behold with its many temples and shrines, not to mention the gigantic statue of the Hindu God. Along with the Petronas Twin Towers and other tourist attractions, travelers are sure to enjoy a trip to breathtaking Malaysia. As you plan your incredible itinerary, it is important to remember travel insurance as it can help aid and support you on your travels. Let’s dive in!

• What should your Travel insurance cover for a trip to Malaysia? 

How Does Travel Insurance for Malaysia Work?

• Do I need Travel Insurance for Malaysia? 
• How much does Travel Insurance cost for Malaysia? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Malaysia?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to malaysia.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Malaysia.

Malaysia has a reputation for being a fairly safe place to visit. However, it is important to learn which areas to avoid and practice safe traveling habits to prevent issues like pickpocketing and theft even in the safest areas. If a thief steals luggage from the baggage area, a travel insurance plan can help replace your bags and the contents inside them. Here is how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for Malaysia?

While the Malaysian government does not require travelers to purchase travel insurance , it offers valuable protection in an unfamiliar area where you may not speak the language or be able to find helpful resources.

You can breathe a sigh of relief knowing that your travel insurance plan backs you up if your travel plans go awry. Why? There are several reasons:

Trip Cancellation: You may not be able to control circumstances such as bad weather, a personal emergency, or an illness that prevents you from traveling. Travel insurance may reimburse you for 100% of the cost of your trip for eligible expenses.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Interruption: Travel insurance may reimburse you for unexpected expenses due to an unexpected change of plans.

How Much Does Travel Insurance Cost for Malaysia?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is a good choice for Malaysian travelers who want the benefit of extra coverage. For example, " Cancel for Any Reason " is an optional coverage that offers greater flexibility for those who have concerns have concerns about an unexpected cancellation. The Collision Damage Waiver coverage is also available as an option. This coverage pays for damage to a rental car being used during your Malaysia trip.

Golf enthusiasts may be disappointed if their golf game gets rained out or you cannot play for some other reason at one of Malaysia’s fine golf courses or country clubs. Nonetheless, coverage is available on the Platinum Plan for Lost Golf Rounds to reimburse your fees.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Can cover illnesses such as dengue fever, tuberculosis, or food poisoning. It may also cover injuries such as a broken appendage, injury due to a fall or other injury. Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Can cover evacuation or repatriation expenses due to a non-medical event such as an earthquake, typhoon or volcanic eruption.

The Malaysian government has lifted all COVID-19 restrictions for travelers entering the country. They recommend travelers take normal precautions.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Malaysia?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3.Do Americans need travel insurance in Malaysia?

No, travel insurance is not currently required to visit Malaysia, although you may find it valuable.

4.What is needed to visit Malaysia from the USA?

If you are visiting Malaysia from the USA, all you need is a passport that is valid for at least six months. The government also requires you to have at least one full page in your passport that is blank.

5.What happens if a tourist gets sick in Malaysia?

If you become sick in Malaysia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS brochure or contact Chubb Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my )

Related Document

Product Disclosure Sheet

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COMPLIMENTARY TRAVEL INSURANCE

* All fields required.

Your Details

Full Name * :

Mr Dr Ms Mrs Mdm

NRIC/Passport * :

Date of Birth * :

Mobile Number * :

You have charged your Full Fare to your * :

Select Citi Rewards Visa Signature Card Citi Rewards World Mastercard Citi Cash Back Visa Signature Card Citi Cash Back World Mastercard Citi Cash Back+ Visa Signature Card Citi Cash Back+ World Mastercard Citi Lazada Visa Signature Card

Date of Full Fare charged * : (For this Complimentary Travel Insurance to be valid, travel dates must be within 6 months from the date of transaction when the Full Fare of your travel ticket was charged to the eligible Citi Card.)

You are travelling * :

Select Alone Together with my Spouse and /or Children

You will be required to fill in the Spouse's Details if you are travelling with your Spouse.

* Kindly note: In the event that you have charged the Full Fare of your travel ticket to a Citi Card that is not under the above drop-down list of eligible Citi Cards , you will not be under coverage of this Complimentary Travel Insurance.

Travel Dates

Departure Date * :

Return Date * :

Details of accompanying Family members

Spouse's Full Name :

Spouse's NRIC/Passport :

Spouse's Date of Birth :

No. of Children travelling together with you * :

Select 0 1 2 3 4 5 6

Important Notes:

• Please note that for claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, such claims should be filed with AIG Asia Pacific Insurance Pte. Ltd. (“AIG”). For claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 but ending after 31 Jan 2024, such claims should be filed with HL Assurance Pte Ltd.
• This Complimentary Travel Insurance is only applicable for your trip when you have charged the Full Fare of your travel ticket to the eligible Citi Card and have fully and accurately provided the information requested for in the form. Please refer to the Policy document to view the list of eligible Citi Cards and types of trips covered under the Policy.
• For this Complimentary Travel Insurance to be valid, travel dates must be within 6 months from the date of transaction when the Full Fare of your travel ticket was charged to the eligible Citi Card.
• The maximum duration of coverage provided for any one round Covered Trip is 90 days.
• This Complimentary Travel Insurance is underwritten by HL Assurance Pte Ltd. By applying for this Complimentary Travel Insurance, you agree that (i) we may disclose your information to HL Assurance Pte Ltd in connection therewith (including but not limited to your application and processing of claims (if any) relating to this Complimentary Travel Insurance) and (ii) Citibank Singapore Limited or HL Assurance Pte Ltd may contact you via telephone or sms in relation to this Complimentary Travel Insurance.
• For claims involving the Insured Cardholder's spouse, he/she will only be covered if he/she is travelling on the same trip with the Insured Cardholder and the Full Fare for both the Insured Cardholder and his/her spouses is charged to the Insured Cardholder's Citi Card*.
• For claims involving Dependant Child(ren), Dependant Child(ren) means your legal child who is unmarried, between the ages of 15 days to 18 years or between the ages of 18 years to 25 years if the child is a full time student in a recognised tertiary institution or have been accepted and is awaiting enrolment as a full time student in a recognised tertiary institution.
• Your Citi Card* has to be in good standing order for you to be covered by this Complimentary Travel Insurance for the whole duration of your Trip and at the point of any claim thereafter.
• You are responsible for the completeness and accuracy of the information provided at the point of submission of your claim. HL Assurance Pte Ltd has the right to review and assess your claim before deciding on whether to process your claim, and the processing of your claim shall be at their sole discretion. HL Assurance Pte Ltd's decision on all matters relating to claims for the Complimentary Travel Insurance shall be final and binding on the claimants.
• Unless otherwise defined, all capitalised terms herein bear the same meaning as in the Policy.
• This is product information only and not a contract of insurance. Full terms, conditions and exclusions apply.

This product is underwritten by AIG Asia Pacific Insurance Pte. Ltd

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UOB PRVI Miles Elite Card

Let the UOB PRVI Miles Elite Card take your travels the extra mile.

A world of benefits at your fingertips

10X UNIRM for every RM1 spent overseas

5X UNIRM for every RM1 spent on airlines

8X Complimentary Airport Lounge Access

Available across 16 airports in 8 countries and territories with exclusive private lounge access at KLIA1

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Bonus 60,000 UNIRM upon annual fee payment

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Get a complimentary ride home when you present 3 overseas transaction receipts, your UOB PRVI Miles Elite Card and boarding pass at the KLIA1 Airport Limo Booth

Personal Accident Coverage

Enjoy peace of mind, with coverage of up to RM300,000

1X UNIRM for every RM1 spent locally

8X lounge access per calendar year.

Exclusive private lounge access at KLIA1 Plaza Premium Lounge.

Only 1 admission per day, subject to availability at Plaza Premium Lounge.

For admission to the lounge, present your credit card and boarding pass upon arrival at the lounge reception.

For the list of participating Plaza Premium Lounges, click here .

Overseas retail transactions must not be made more than 30 days before the redemption date.

Only 1 complimentary ride per day, subject to availability.

Up to 300,000 24 hours overseas personal accident coverage, overseas medical and travel inconvenience, Covid-19 protection and purchase protection.

Click here to view the Master Policy.

For enquiries and claims please contact Chubb Insurance Malaysia Bhd at 1800-88-3226 .

Redeem items with your UNIRinggit

UNIRinggit (also known as UNIRM) refers to rewards points that you earn as a cardmember

Pay with UNIRinggit

Make a payment first, then offset your purchases with UNIRinggit on UOB TMRW. Make your UNIRinggit count by fully or partially offsetting your purchases. [ PPL ]

UNIRinggit Rewards Catalogue

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• Photocopy of Business Registration Form
• Latest 6 months’ bank statement (showing business turnover)

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

Required Documents - Foreigners

• Copy of Passport 
• Latest 2 months' salary slip 1
• Work permit valid for at least one (1) year at the time of application 
• Letter of employment

Enjoy travel privileges and more with the UOB PRVI Miles Elite Card.

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How to get the most out of your Citi PremierMiles Card

Non-expiring miles, 11 different loyalty partners, complimentary lounge access & travel insurance and more - all with your Citi PremierMiles Card.

The Citi PremierMiles Card might not be the newest kid on the block, having debuted in Singapore all the way back in 2007. And yet it’s been a staple feature in my wallet ever since I started playing the miles game 10 years ago- rather an accomplishment, given my penchant to chop and change cards!

Old hand it may be, but the Citi PremierMiles Card still ticks all the right boxes with its non-expiring miles, wide range of transfer partners, complimentary lounge access & travel insurance, plus the ability to earn extra miles on eligible bill payments via Citi PayAll. 

So whether you’re a brand new cardholder or a long-time user, here’s some ways to get the most out of your Citi PremierMiles Card . 

Earn bonus miles on foreign currency spend

Citi PremierMiles Cardholders normally earn:

• 1.2 Citi Miles per S$1 spent in SGD
• 2.0 Citi Miles per S$1 spent in foreign currencies

However, from 1 March to 30 June 2023 , Citi PremierMiles Cardholders can earn up to 4 Citi Miles per S$1 (mpd) on qualifying foreign currency spend:

Enrolment is required, and can be done by sending the following SMS from your mobile number registered with Citi.

Do enrol as soon as possible, because any spending prior to the month of enrolment will not be eligible. For example, if you register on 15 April 2023, then only qualifying spending from 1 April to 30 June 2023 will be entitled to bonus miles; all spending from 1-31 March 2023 will not qualify.

A minimum spend of S$5,000 per calendar month is required to trigger the bonus award. This can be met by any eligible retail spend, whether local or overseas, in-person or online. It also includes Citi PayAll transactions, provided the service fee is paid.

The maximum bonus miles cardholders can earn each calendar month is capped at 10,000 miles, or S$5,000 qualifying spend in foreign currency.

Citi PremierMiles Cardholders will earn the usual base rate of 2 mpd for foreign currency spend, awarded when the transaction posts. The bonus 2 mpd for this promotion will be credited up to four months after the transaction, per the table below. 

Terms & Conditions

The full T&Cs for the Citi PremierMiles Card overseas spending promotion can be found here.

Earn bonus miles on hotel bookings

10 mpd with kaligo.

Citi PremierMiles Cardholders can earn 10 mpd on hotel bookings via  Kaligo (on kaligo.com/bonus-miles ) made by 31 December 2023,  with any future stay date. 

The 10 mpd earn rate applies regardless of whether the hotel is in Singapore or overseas, and will be credited within eight weeks following completion of the stay. There is no cap on the number of bonus miles customers can earn.

In general, it’s always a good idea to compare the rates offered on Agoda and Kaligo with the hotel’s official website and other booking platforms, just to ensure you’re getting the best deal.

Up to 7 mpd with Agoda

Citi PremierMiles Cardholders can earn up to 7 mpd on hotel bookings via Agoda made by 31 December 2023 and stayed by 30 April 2024.

Pre-paid bookings made via the dedicated landing page will earn a bonus 5 mpd on top of the usual earn rates, which works out to:

• Singapore hotels: 6.2 mpd
• Overseas hotels: 7 mpd

The bonus miles will be credited within two months after the stay is completed, and there is no cap on the maximum bonus cardholders can earn.

Get miles & points for paying bills with Citi PayAll

Citi PremierMiles Cardholders can use their card to pay a wide range of bills via Citi PayAll, earning miles in the process. 

Citi PremierMiles cardholders earn 1.2 mpd on PayAll transactions, which given the 2.2% service fee (starting 20 April) works out to buying miles at 1.83 cents each . 

This is an easy way to top-off an account when you’re just shy of the miles required for a redemption. Remember: Citi frequently runs PayAll offers which increase the earn rate or offer additional shopping/food delivery vouchers for making payments, so be on the lookout for those! 

From 20 April to 20 August 2023, Citi PayAll is running a campaign which allows customers to earn 2.2 miles or 5.5 ThankYou points per S$1 spent. Those new to Citi PayAll service will also receive S$50 of GrabGifts vouchers. 

A minimum spend of S$8,000 on Citi PayAll transactions applies, and the Citi PayAll service fee (2.2%) must be paid in order to earn miles or enjoy the abovementioned promotions. 

Enjoy non-expiring miles and 11 transfer partners

One of the best things about Citi Miles is that they never expire, which means that Citi PremierMiles Cardholders can keep them in their account until they’re ready to transfer them to a loyalty programme.

When that time comes, they’ll have a choice of 11 different airline and hotel loyalty programmes to choose from:

The list includes frequent flyer programmes from all three major airline alliances, allowing cardholders to book awards across Star Alliance, oneworld and SkyTeam. This provides additional options when looking for hard-to-find award seats. 

A flat S$27 conversion fee applies for every transfer, regardless of the number of Citi Miles converted.

Enjoy two complimentary lounge visits

Citi PremierMiles Cardholders receive a Priority Pass membership that includes two complimentary lounge visits per calendar year, usable at more than 1,300 lounges in 600 cities worldwide.

This is valid for the principal cardmember only, and registration is required. Every accompanying guest will be considered as one visit, and a US$32 fee per person per visit (or the prevailing rate) will apply after the free visits have been fully consumed. 

Priority Pass members can access the following lounges at Changi Airport:

While lounge access may just be the icing on the cake at a world-class airport like Changi, it can be an absolute lifesaver when overseas. Having a quiet, private space to grab a bite, take a shower, charge your devices and prepare for your flight takes that much more stress out of the travel process.

Get complimentary travel insurance coverage

Citi PremierMiles Cardholders receive complimentary travel insurance when they charge their round-trip air ticket to their card, underwritten by HL Assurance Pte Ltd. For avoidance of doubt, this also includes situations where tickets are redeemed with miles, and the taxes/surcharges paid with the Citi PremierMiles Card.

Cardholders are covered for up to S$1,000,000 for accidental death and/or permanent disablement in common carrier, with up to S$40,000 coverage for medical expenses and up to S$100,000 for emergency medical evacuation. Flight delays, baggage delays and lost baggage are also covered, as are overseas medical expenses due to COVID-19 (up to S$50,000). 

Complimentary coverage includes the cardholder, spouse, and children. 

For the eligibility criteria and full policy terms, definitions and conditions of coverage, do refer to the terms and conditions of the policy. 

Citi Great Giveaways

In addition to earning Citi Miles, your spending on the Citi PremierMiles Card (or any other Citi Credit Card for that matter) can turn out to be doubly rewarding. 

From 15 February to 31 May 2023, Citi is running a Great Giveaways contest with S$10,000 worth of travel vouchers up for grabs to five lucky winners. 

To participate, all you need to do is register and spend clock at least S$2,000 qualifying spend on your Citi Credit Cards during the campaign period. Your spending can be combined across multiple Citi Credit Cards if you so wish. 

To register, login to the Citi Mobile App and tap on “Get More” at the bottom. Scroll until you see the Great Giveaways banner, and tap to enrol. 

The Trip.com travel vouchers is valid for one year from date of issuance. Winners will be announced within seven days of the draw date, which is set for 28 June 2023. 

Enjoy up to 50% off travel flash deals with Citi Credit Cards

Flights and hotel prices have recovered from their COVID-era slumps, and in some cases, can be even more expensive than before. To take some of the sting out of this, from now  to 1 June 2023 Citi is offering special flash deals with up to 50% off flights, hotels and attractions with Klook, Trip.com and Expedia.

Promo codes are in very limited quantity (first 100 redemptions), and go live at 12 p.m on the 1st and 15th of every month.

Be sure to login to your Citi Mobile App and camp out in advance to secure your codes!

Earn up to 30,000 bonus Citi Miles with a new Citi PremierMiles Card

If you don’t already have a Citi Credit Card, sign up for a Citi PremierMiles Card and you can enjoy a welcome gift of up to 30,000 bonus Citi Miles when you spend at least S$800 within two months of card approval, and pay the first year’s S$194.40 annual fee. 

Alternatively, cardholders can choose to receive a first year fee waiver and enjoy 8,000 bonus Citi Miles with S$800 spent within two months of card approval. 

Both offers are valid for applications received by 30 June 2023, and are for new-to-bank customers only. These are defined as individuals who do not currently hold a principal Citi credit card, and have not cancelled one in the past 12 months. 

For perspective, 30,000 Citi Miles would be enough for a round-trip Economy class ticket on Singapore Airlines to anywhere in Thailand or Vietnam.

The full T&Cs for the 8,000 Citi Miles offer can be found here. 

The full T&Cs for the 30,000 Citi Miles offer can be found here. 

The Citi PremierMiles Card can be a great companion for anyone looking to hit the road, and if you don’t have a Citi Card yet, do consider the ongoing welcome offer of up to 30,000 Citi Miles.

If you’re already a cardholder, don’t forget to register for the foreign currency spend promotion to upsize your holiday earn rate, and for the Citi Great Giveaways contest- it only takes a minute to do!

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Maybank cards spend & redeem promo: get luggage or accor plus explorer membership, hsbc premier mastercard switches cashback for miles, gets world elite upgrade, 24 comments.

Hi. Some confusion here for the 7 mpd Agoda spend. Based on Agoda T&C, isn’t it the following as below?

6.2 mpd for local currency spend (1.2 mpd SGD + 5 mpd bonus)

7.0 mpd for foreign currency spend (2.0 mpd FCY + 5 mpd bonus)

In other words, if I book a overseas hotel at Agoda, and i pay in local SGD, shouldn’t it count as 6.2 mpd?

Rule of thumb is to pay in their local currency. You will still get charged on the exchange rate transactions whether it is 3.25% by cc or XXX% if you want to pay SGD overseas. My experience is if i pay SGD overseas i tend to pay more for the exchange rate. I might be wrong..

Based on my experience, I wasn’t charged 1% cross border fee when I book overseas hotels at Agoda in SGD. (Payment gateway is probably processed locally in Singapore). But you are probably right. The exchange rate made by Agoda could be much more worse, just like DCC. Thanks for the tip! Looks like I will be paying in their local currency (e.g Japan accommodation = Pay in JPY) in the future to maximize the 7 mpd. To be honest, my recent Japan trip I paid in USD for the Japan accommodation. Probably I made a mistake that I should have …  Read more »

confused why you’d choose to pay in local SGD if booking an overseas hotel though. you don’t want to pay DCC-ed rates anyway.

Understood. I just realised this as well as per previous reply to Alp. Should not be paying for DCC-ed rates.

I am confiused why you would choose to pay an overseas hotel in the overseas currency when booked online with sites like Agoda/Airbnb. These sites convert a foreign currency amount to SGD using the MasterCard standard conversion rates (there is a site that you can use to verify this). Why pay to your bank a further 3.25% (thereabouts, depending on the card used) foreign currency fee on top? And given any booking on these sites is online you can earn 4mpd with a card like DBS Womans – so there is no need to be paying in the foreign currency …  Read more »

Indeed I have done my research. I will give you an exact example. Take The Tower Hotel, London. For 20th July. It comes up on Agoda, priced in SGD at $259. If you change the currency to the pound, Agoda shows it as £155. Now that is a rate of 259/155=1.6709. Mastercard (the site used was discussed on this site recently) gives a rate of 1.6817, and actually prices the transaction $1 higher at SGD$260. So the “Lol”, is on you. Seems the person who has not done any research is yourself. 🙂 Anyone who books that hotel on Agoda …  Read more »

what about the 2.8% dcc fee that Dbs will charge, since agoda is using dcc? Doesn’t that offset the benefit?

All transactions converted via dynamic currency conversion (including refunds and reversals) will be subject to an administrative fee of 2.8% on the converted Singapore Dollar amount, which includes a 1% fee by Visa/Mastercard or 0.6% fee by UnionPay, and shall be payable by you and debited from your Account.

DBS don’t charge a 2.8% DCC. Any Agoda transaction charged to DBS, and they add 1%. Of course, you don’t have to use DBS – you could charge to UOB and they don’t charge the 1% (of course you probably won’t get the 4mpd this way). So, using the above example, if you charged to DBS you would pay $259*1.01=$261.59 – still 2.5% less than having the charge in pounds. In recent months I have had several Agoda transactions and Airbnb transactions charged to my DBS card. Every single one add 1% on top of the charge by Agoda. Don’t …  Read more »

7 mpd on Agoda using Citi PremierMiles cards. Full stop.

Almost full stop. But no quite. Using the Tower Hotel London example above, it is priced by Agoda using a DBS link at $259. But using the Citi link it comes up as $279. Yes, you will get 7mpd. But you will also pay $20 more. You are paying $279 for an extra 917 miles (7 vese 4 mpd). In effect you are paying 2.18c per mile for the extra 3mpd. If that is worth it to you, use Citi. If not, use the DBS Agoda link and pay $20 less. Of course this is just 1 example – different …  Read more »

Sorry. Your explaination is just too complicated for everyone to understand. Full stop.

Goodness. It is very simple maths. If u cant understand it u really need to go back to school. I mean how basic can it be? In 1 case u pay $259 and get 1036 miles. In the second case u pay $279 and get 1953 miles. So u paid $20 more for an extra 917 miles. That is 2.18c per mile u hv paid. If this is beyond ur maths ability u are really in the wrong game chasing miles.

Ok now that make sense. Apologies if i didn’t read your 2nd last post carefully.

Do you know if you’ll still get the 6.2mpd if you charge the payment via Amaze?

All very good except when something goes wrong we have to deal with Citi CS agents on the phone, which turns into a whole other problem

Indeed! Sponsored post though = yawn. Nothing remotely negative and it’s all about things I’ll “enjoy” 🤮

I’ve never found Kaligo cheaper than Agoda…

Also note that the bonus miles Agoda landing page can cost you a lot of money in lost discounts.

For example, Citibank have another landing page with 7% off (i’ve seen it as high as 18% and usually book at 15% off) Agoda x Citi Singapore

(And HSBC have a 20% off landing page right now)

yup. general rule with these bank x OTA pages is you need to shop around. sometimes you’ll be paying more than elsewhere, in which case the question becomes: is the extra fee worth the miles?

Agreed, depends how much you value a mile vs the difference. And depending on the card + bank you might earn more miles. Given 7mpd of the citi premiermiles, it would make more sense to book using the HSBC Revolution card (4mpd + up to 20% and $200 off) assuming you have enough of the $1000 monthly cap to spare Assuming a $200/night hotel for 5 nights, you’d end up with $2000 bill and 14,000 miles with the citi premiermiles card $1800 bill and 7,200 miles with HSBC Revolution card $200 saving at the cost of 5,800 miles. Buying miles …  Read more »

Erm HSBC revolution 4 mpd already hit the $1000 cap for a $1800 transaction. I presume you are referring to DBS WWMC? That one has $2000 cap.

Quick Question – is the complimentary travel insurance sufficient? Does it cover immediate family? Anybody got expericence claiming it?

If I book my two way tickets separately via 2 different airline but pay using this citi premiermiles credit card, will the complimentary travel insurance still be valid?

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Citi credit card travel insurance

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Citi is an MMS advertising partner.

A moment of silence for the content of this post before Sept. 22,2019. Such high praises filled this URL, with anecdotes and data points about the value of Citi trip protection.

Citi credit card travel insurance used to be the envy of all other credit cards. Top-notch travel accident insurance, worldwide rental car insurance, trip cancellation and interruption protection, baggage delay insurance, and much more. Citi even offered  the  best trip delay insurance (benefits kicked in after just a three hour delay!).

All of this is now gone. Citi cards no longer come close to making the list of the best travel insurance credit cards .

Citi credit card travel insurance eliminated

Citi has removed all of the following benefits from their travel cards:

• Worldwide car rental insurance
• Trip cancellation and interruption protection
• Worldwide travel accident insurance
• Trip delay protection
• Baggage delay protection
• Lost baggage protection
• Roadside assistance dispatch service
• Travel and emergency assistance

And that’s just the travel related benefits they’ve amputated from their suite of travel credit cards.

We shout from the rooftops that travel benefits are the meat and potatoes of travel credit cards. It’s disheartening to see Citi remove these valuable perks from their products. Their cards still have excellent welcome bonuses, but this will certainly affect the amount of people who choose to retain the card for multiple years.

If you’re looking for travel insurance, read our post on the best travel insurance credit cards . Citi cards are not the ones you’re looking for. Instead consider cards like The Platinum Card® from American Express or the Chase Sapphire Preferred Card, which come with benefits like lost baggage insurance, trip delay and interruption/cancellation insurance.

For more credit card advice and benefit highlights,  subscribe to our newsletter .

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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