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    Citi Business Signature Credit Card

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    Citi Business Signature Visa Credit Card is a card catering to business owners. The card offers business owners with a multitude of tools to track their expenses and create comprehensive reporting. The card also comes with a corporate liability waiver insurance and allows for setting of spend limits to control expenses.


    • The card is a cashback card which earns cashback on select business expenses charged to it.
    • The card can earn air miles from over 25 airline partners when used at Kaligo Business Plus to book hotel stays.
    • The card comes with a complimentary corporate liability waiver with a cover of up to RM75,000. The waiver is provided to protect the cardholder from any misuse by an employee.
    • The card offers a complimentary travel insurance policy when the entire price of the air tickets is charged to it.
    • The cardholder can set spend limits on the card with the minimum spend limit being RM50,000 and the maximum limit being capped to RM1 million.


    • The card offers a business expense management service that modernises business expense processing carried out manually and provides a single payment solution which is time saving.
    • The card provides a detailed and comprehensive expense report which allows cardholders to easily keep track of their expenses.
    • The card is equipped with the Citibank One Bill which allows cardholders to consolidate various utility bill payments onto a single payment date.
    • The card earns 0.5% cashback on travel and business related entertainment expenses, on IT or computer expenses, on office supplies, on professional services, and on utility bills charged to it.

    Eligibility criteria

    • The principal cardholder must meet the minimum age requirement of 21 years of age.
    • The company must be registered in Malaysia and must have been in operation for a minimum of 3 years at the time of application.
    • The annual turnover of the company must be RM5 million.
    • The employees must be earning a minimum annual income of RM24,000.

    Fees and charges

    Types of Fees Charges
    Annual fees – Principal card RM636 (Including 6% GST)
    Annual fees – Supplementary card RM106 (Including 6% GST)
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever is higher.
    Interest-free period 20 days.
    Finance charge on purchases The rates provided for cardholders who make prompt minimum payments for 12 consecutive months is 15% p.a. The rates provided for cardholders who make 10 or more payments on time in a 12-month period is 17% p.a. and for those cardholders who do not fall into the above categories, the interest charged is 18% p.a.
    Finance charge on cash advance 18% p.a.
    Overseas transactions Transactions carried out overseas are converted into Malaysian Ringgit and the converted transaction has a fee of 0.848% levied on it.
    Cash withdrawal fee RM21.20 or 5.3% of the amount withdrawn, whichever is higher.
    Late payment charges 1% of the outstanding balance or RM10 with the maximum fee being capped at RM100.
    Card replacement fee RM50.
    Sales Draft retrieval RM21.20 per copy
    Overlimit fee RM26.50 per month
    Copy of monthly statement RM5.30
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