Fantastic Rewards await you based on your CTOS Score!

Have a look at everything we have on offer.

Check your CTOS Score, then pick the Rewards you like – it’s that simple.

More Rewards coming soon, stay tuned!

Sorry, your Score currently doesn’t qualify for our existing offers.
Try these tips to improve your Score and check again after your Score has improved.

Payment History
  • Pay your bills on time
Amounts owed
  • Keep balances low
Credit History length
  • Don’t open new accounts too rapidly
Credit Mix
  • Apply for and open new credit accounts only as needed
New Credit
  • Do your rate shopping for a given loan within a focused period of time

In order to view more rewards, please renew your score report:


New to CTOS? What are the benefits of having a CTOS SCORE?


Increase your chances of getting a loan

A CTOS Score tells you where you stand when it comes to credit health.

Speedier loan approval

Scores can be delivered instantaneiusly, helping lenders speed up loan approvals.

Facilitate personal financial planning

Learn what brings your score down and start to manage it better.

Monitor the status of your credit health

Learn what credit information banks and lenders can see about you. Your CTOS Score can show how likely are you to receive new credit.

More credit is available

Good credit score gives you higher credit limit and lower interest rate.

Get fairer credit decisions

Tells you whether your application was evaluated fairly. Factors like your gender, race, religion, nationality and marital status are not considered in credit scoring.

Let’s work on it from some tips below:


Payment History
  • Pay your bills on time
  • If you’ve missed payments, get current and stay current
Amounts owed
  • Keep balances low
  • Don’t open a number of new credit cards that you don’t need
Credit History length
  • Don’t open new accounts too rapidly
Credit Mix
  • Apply for and open new credit accounts only as needed
  • Have credit cards, but managed them responsibly
New Credit
  • Do your rate shopping for a given loan within a focused period of time
  • Re-establish your credit history if you had problems

Let’s work on it from some tips below:

New Credit
  • Credit account updated in the last 24 months
    (i.e. credit card loan, car loan, housing loan, personal loan)
  • Default record updated in the last 24 months
  • Legal record updated in the last 24 months

You should start building a healthy credit history and
see what potential rewards your CTOS Score has earned you!

Featured Offers
More Rewards

Apply for Citi Credit Card Online!

Welcome Gift: Get a Trolley Bag or Smart Backpack and Gym Bag with at least 8 retail spend within 60 days.

Citi Personal Loan

Whether it is decorating your dream home, pursuing a higher education or your dreams, Citibank Personal Loans lets you fulfil your personal needs.

Fundaztic Rewards (Business Funding)

Exclusively on CTOS ID
Enjoy collateral free financing at interest rates as low as 8% p.a
Earn up to 13% p.a. on investments made

Fundaztic Rewards (Investment)

Exclusively on CTOS ID
Receive RM100 for FREE to invest
Earn up to 13% p.a. (23% Effective Interest Rate)

Alliance CashFirst Personal Loan

40% cash back on total interest charged
Interest/ Profit rate as low as 5.33% flat p.a

Al-Rajhi Personal Financing-i

Balance Transfer up to 8 years.

Personal Loan

Financing up to RM50,000
0% interest for first month