Citi Cash Back Card

Citi Cash Back Card

Earn up to 10% cash back with your everyday spend.

RM 3,000

Minimum monthly income

RM 120

Annual fee


Interest rate p.a


Balance transfer rate (fixed)

Special Offers

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*Terms & conditions apply, learn more here: . 

    Product details


    Citi World Privileges

    Exclusive discounts for Citibank customers of up to 50% in Malaysia

    Exclusive discounts for Citibank customers at over 30 countries worldwide

    Citi Paylite

    Affordable instalments with zero processing fees for purchases at any merchant RM50 and above

    Convert purchases with ease using Citi Mobile® App.

    Citi FlexiBill

    Convert bills into monthly instalments

    Repayment period up to 60 months

    Convert bills with ease using Citi Mobile® App.

    Citi Quick Cash

    Upfront cash available up credit limit

    Repayment period up to 60 months

    No fees or documents required

    Good for Cashback
    10% Cashback for Dining, Grocery, Petrol, Grab, FoodPanda, and DeliverEat spend
    0.2% for Other spend
    No minimum Cashback accumulation required
    Minimum monthly income RM 3,000
    Minimum age:
    Cardholder 21
    Supplementary Cardholder 18
    Fees & Charges
    Annual fee RM 120
    Waived for first 3-years upon approval
    Annual fee waiver No
    Late payment fee RM 10/1%
    1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
    Interest rate 15%
    Rate if settling minimum payment due for 12 consecutive months.
    Balance transfer rate (fixed) 5.32%
    24 months Balance Transfer via Instalment
    Document required to apply

    You will need to provide several documents such as (varies between different banks):

    For Malaysians:

    Salaried Employees:

    • Photocopy of MyKad (both sides)
    • Latest EPF statement OR Latest 2 months salary slip
    • AND any of the following where necessary:
    • 3 months bank statements
    • Latest EA Form
    • Latest BE Form with tax receipt


    • Photocopy of MyKad (both sides)
    • Photocopy of Business Registration Form
    • Latest Form B with tax receipt

    For Salaried Expatriates:

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

    Terms and Conditions

    For Citi Cash Back Credit Card Terms and Conditions, click here.
    For Citi Credit Cards Terms and Conditions, click here.
    For Citi Credit Cards Fees and Charges, click here.

    Product review by

    The Citi Cash Back Card offers cashback for a low minimum spending every month. Aside from receiving cashback, you’ll also get to enjoy several benefits when you dine at restaurants, stay at hotels, and more.

    Get up to 10% cashback with Citi Cash Back Card

    With a monthly spend of minimum RM500, you’ll be entitled to receive 10% cashback. As for utilities and retail spendings for shopping, there is no limit as to how much you have to spend in a month to receive 0.2% cashback.

    Details for the Citi Cash Back Credit Card
    Category Cashback Min. Monthly Spend


    10% monthly

    RM500 and above

    0.2% monthly

    Below RM500


    Participating outlets:

    Giant, Tesco, AEON BIG, Servay. Everise, Cold Storage, Mydin, Ben’s Independent Grocer (B.I.G), Econsave, Village Grocer, Jaya Grocer

    10% monthly

    RM500 and above

    0.2% monthly

    Below RM500

    Grab rides

    10% monthly

    RM500 and above

    0.2% monthly

    Below RM500


    10% monthly

    RM500 and above

    0.2% monthly

    Below RM500


    0.2% monthly



    0.2% monthly


    Note: The cashback you earn will be directly credited into your account automatically.

    New add on:

    10% cashback on food deliveries with FoodPanda and DeliverEat upon meeting the overall min spend per calendar month of RM800 from 1 March 2021 until 31 August 2021. (T&C apply)

    Citi Cash Back Credit Card privileges

    On top of receiving cashback, enjoy exclusive discounts and promotions with the Citi World Privileges worldwide when you dine at restaurants, stay at hotels or golf resorts, as well as when you make transactions at shopping malls locally and internationally in more than 90 countries. When you make purchases on Agoda, you’ll also get to enjoy 5% off. For times when you dine at hotels, you get to receive a discount of up to 20%.

    Top features offered

    This credit card also has features that could help make your life easier when you perform activities related to banking. The top features of the Citi Cash Back Card would be the Citi World Privileges, as mentioned earlier, as well as the Citi PayLite that allows you to have monthly instalments for all your retail transactions. There is Citi FlexiBill that allows you to have monthly instalments for your outstanding balance. The Citi Quick Cash is also one of the top features that allows you to receive quick cash in a span of 7 working days.

    Can't find what you're looking for? Read our article to find out the Best Citibank Credit Cards in Malaysia.


    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
    • 10% Cash Back on Food Delivery when you meet the minimum monthly total spend (until 31 Aug 2021)
    • 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.

    Citi Cash Back Card
    Citi Cash Back Card
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