Citibank Credit Card application Criteria – Documentation

Here are all the detail of documentation requirement for citibank credit card applications, follow it through for higher approval rate for you or your customer applications.

1)NRIC Copy

• Clear I/C copy (with chip or bar code) in full page-photocopy on the centre of page or enlarge it.( Not for I/C with bar code as they need to scan it)
• Name, old & new I./C no. and address must be readable
• When the original copy I/C is blur please substantiate with driving license or passport copy
• If customer provide army or police identity card, please provide additional doc such as driving license or birth cert to proof billing address or D.O.B ( not required if the identity card already have D.O.B)
• For foreigners, must provide valid passport copy
• Temporary I/C will be accepted provided the validity date is not expired (while waiting for the replacement card)
• For old I/C proof, credit will accept driving license

2)Pay Slip

• Must be latest last 2 months
• 2 months pay slip is required for basic less than RM1.5M and less than RM2M for applicant working in Singapore.
• To proof fixed allowances, must be shown on 3 months pay slip
• Pay slip without EPF contribution will be rejected
• Ensured net pay is above RM700 (after deduction) and basic is not paid by hours
• If the pay slip is bi-monthly, ensured full month pay slip is provided
• When the basic shown is not in round figure or pro-rated, suggest to provide 1 more month pay slip or appointment letter to confirm the basic salary.
• If the company name shown in the pay slip is a mother company or HR centre please indicate remark.
• Company name, customer name, I/C no.,salary & deduction amount, date in the pay slip must be clear and readable.
• For E-pay slip, please follow the E-pay slip guideline

3)EA Form

• EA/IRD must be latest
• Date issued of IRD form must be within 1 year from application date
• Ensure all details such as name, I/C no, address, income is the same as the application form. If differ please remark.
• If the position differs from EA, please provide letter to confirm current position.
• E-EA will not be accepted EXCEPT for Maybank staff. Must support with payslip

4)EPF / E-Kiosk

• EPF / E-Kiosk( with my-kad) statement within 12 months is acceptable
• Name, I/C no. and billing address must match with I/C and current billing address, if differ please indicate remark.
• Ensure the last 3 months contribution amount tallies with the last 3 months pay slip.
• EPF statements obtained from either E-Kiosk/Counter are allowed provided it is original.

5)Saving Account/Current

• Must enclose saving account front page and latest 3 months salary credited-showing last 3 months transactions and evidencing salary credited; cash bank-in is not accepted
• Name and NRIC no. on the front page of saving account as per NRIC.
• The amount credited must tally with the last 3 months net pay from pay slip.If the amount is the same for the last 3 months, 1 month pay slip is sufficient.
• Refer to the salary credited date to confirm the last 3 months statement required

6)Company Bank Statement

• 3 months bank statement with borang B/submission receipt
• 6 months bank statement without borang B
• Latest 3 months with credit turnover of > RM10M for sole proprietor
• Partnership will based on average RM10M turnover per partner per month.
• Refer to statement date to confirm the last 3 months bank statement required

7)Others Bank Card Statement

• Ensure prompted card is more than 18 months for others bank credit card and for Amex is 10 months and Diners is 12 months.
• Must provide front copy of card
• When the card copy is not clear, can substantiate with latest 1 month card statement
• When the embossing name on the prompted card is differ with applicant’s name, card statement is required.

IMPORTANT: For PROMPT application, please ensure the prompt card details (card number & member since) are written on the card document (compulsory)

8)Business Registration Certificate

• Borang A & D for Sole proprietor & partnership
• Ensure the nature of business does not fall under NTM group and the business is more than 2 years (refer to joined in date)
• Ensured Borang D is renewed and have not expired during submission
• Form 9,24 & 49 for Sdn Bhd & Bhd must be in full set.
• If the company name has been changed, please provide Borang 13
• Ensure applicant name is in Form 24 & 49