Citi Cash Back Credit Card

    The Citibank Cash Back Credit Card as the name suggests offers cardholders’ cashback on everyday expenses and as such makes for an ideal everyday card. The card also allows for recurring bill payments and gives great deals on healthcare packages.


    • The card is a cashback card which earns cashback on every expense charged to the card. The cashback does not require any minimum spend criteria.
    • Cashback earned is capped to RM15 per month.
    • The card comes with a balance transfer plan that offers a tenure of 12 months at an interest rate of 8.99% p.a.
    • The cardholder can get cashback on recurring utility bills charged to the card.
    • The cardholder will receive cashback automatically when they accumulate RM20 worth of cashback.


    • The cardholder can get up to 10% cashback on petrol expenses, dining, groceries and grab rides and Unlimited 0.2% for all other retail spends
    • The cardholder can enjoy access to the Citibank World Privileges service which offers them exciting deals and discounts at over 24,000 leading restaurants, boutiques, and hotels across the globe.
    • Cardholders can get access to exclusive healthcare packages at 20 participating hospitals which gives them up to 20% discount on all Executive Screening Packages (excluding consultation fees) and a 15% discount on all walk-in hospital room rates provided the rates are RM120 and above.

    Eligibility Criteria

    Applicants must meet the following criteria to avail this card:

    • The principal cardholder must have attained a minimum of 21 years of age.
    • The supplementary cardholder must have attained a minimum of 18 years of age.
    • The minimum annual income required is RM48,000.

    Fees and Charges

    Type of Fees Charges
    Annual fees – Principal card RM127.20 (Cash Back ) & RM206.70 (Cash Back Platinum). Both Including 6% GST
    Annual fees – Supplementary card RM63.60 (Cash Back ) & RM106.00 (Cash Back Platinum). Both Including 6% GST
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever amount happens to be higher.
    Max Credit Limit RM450,000
    Interest-free period 20 days.
    Finance charge on purchases 15% p.a. when cardholders make prompt minimum payments for 12 consecutive months. 17% p.a. when cardholders make 10 or more payments on time in a 12-month period and cardholders who do not fall under either category are charged 18% p.a.
    Cash Advance Minimum of RM20 or 5% of Cash amount
    Overseas transactions Transactions are converted into Malaysian Ringgit with a fee of 0.848% being imposed on the converted transaction.
    Cash withdrawal fee RM21.20 or 5.3% of the amount withdrawn, whichever amount happens to be higher.
    Late payment charges 1% of the outstanding balance or RM10 with the fee being capped to RM100.
    Card replacement fee RM50.
    Sales Draft retrieval RM21.20 for every copy
    Overlimit fee RM26.50 per month
    Copy of monthly statement RM5.30
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