Earn up to 10% cash back with your everyday spend.
Enjoy up to RM200 Cash Back* from Citibank when you Pay Your Bills [Eg: Netflix, TNB, Telco, Astro and More] and Enrol for Auto-Billing with your New Citibank credit card!
*Terms & conditions apply, learn more here: bit.ly/CompareHeroCCPromo
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
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
| Annual fee | RM 120 | Waived for first 3-years upon activation |
| 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 |
| Annual fee |
RM 120 Waived for first 3-years upon activation |
| 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 |
You will need to provide several documents such as (varies between different banks):
For Malaysians:
Salaried Employees:
Self-employed
For Salaried Expatriates:
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.
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.
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 |
Petrol |
10% monthly |
RM500 and above |
0.2% monthly |
Below RM500 |
|
Groceries
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 |
|
Dining |
10% monthly |
RM500 and above |
0.2% monthly |
Below RM500 |
|
Utilities |
0.2% monthly |
Unlimited |
Shopping |
0.2% monthly |
Unlimited |
Note: The cashback you earn will be directly credited into your account automatically.
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%.
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.
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.
