You can easily apply on our website or contact us at +6012-385 0211 if you need direct and instant answers to your inquiries. Bear in mind that when applying for the credit card, there are several documents you need to prepare, you may refer to the list of documents required.

You can either apply for Citi Cash Back Card principal card if you are at least 21 years old and above, or the supplementary card if you are at least 18 years old and above. Aside from that, you have to be earning at least RM3,000 a month or RM36,000 yearly.

An annual fee of RM120 is required for principal cardholders whereas RM60 will be charged for supplementary cardholders. 

Note: For the first 3 years, new customers will be entitled to their annual fee to be waived. 

You will receive a 15% interest rate if you make your payments within 12 months continuously and 17% if you make the payment 10 months out of 12. However, if you are unable to pay within the deadline, you’ll be charged a late payment fee of 1% or RM10. A cash withdrawal fee of 5% or RM20 of the total amount withdrawn is also chargeable. 

• Earn 10% or 0.2% cashback monthly on GRAB rides, groceries, dining, petrol, utilities and retail purchases
• Exclusive privileges for hotel dining, restaurants, shopping malls, golf resorts
• 5% off for purchases made on Agoda

If you drive often, you’ll earn a decent cashback for petrol. Grab users will benefit as well. Plus, if you buy your own groceries and travel often, the Citi Cash Back Card would be useful too, especially if you make regular retail purchases when you travel overseas or locally. The minimum spend to earn 10% cashback isn’t that high too, so you don’t need to be a big spender in order to receive the cashback. With a monthly minimum income requirement of RM3,000, fresh graduates in certain industries would also be able to benefit from this credit card.