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    Citi Cash Back Card

    The Citi Cash Back Visa Card provides you cash back on all retail transactions charged to it. You can use the card for bill payments, carrying out retail purchases such as buying groceries and can even earn cash back on petrol. Let’s take a look at the major highlights of this card:

    • 10% automatic cash back on GRAB rides, dining, petrol purchases, and grocery purchases.
    • 0.2% on all other retail purchases with no monthly cap.

    Best Suited For

    • Those who dine out regularly.
    • Those who travel via GRAB rides or use their own conveyance.

    Key Features and Benefits

    Feature/Benefit Description
    Cash back on dining 10% cash back with a cap of RM10 per month.
    Cash back on petrol 10% cash back with a cap of RM10 per month.
    Cash back on grocery 10% cash back with a cap of RM10 per month.
    Cash back on GRAB rides 10% cash back with a cap of RM10 per month.
    Cash back on all other retail purchases Unlimited 0.2% cash back.
    Citibank World Privileges Privileges and multiple discounts at over 24,000 merchants including hotels, restaurants, retail outlets, boutiques, golf resorts etc.
    Interest-free period 20 days.
    Healthcare 20% and 15% discount on Executive Screening Packages and walk-in hospital rates, respectively, at 20 participating hospitals.
    Accessibility Via Citibank Online, CitiPhone banking, ATMs, and over the counter around the world.

    Other Benefits

    • Transfer funds anytime via Citibank Online.
    • Pay bills with auto-bill payment feature by placing a standing instruction.
    • Track your monthly expenses via e-statements.
    • Access quick funds through any ATM worldwide.

    How to Earn Cash Back

    You can use your card to carry out retail transactions and earn cash back with every purchase. Once you attain the minimum spend requirement associated with the cash back of your card, the cash back will automatically be transferred to your credit account. Refer to the following table for more information:

    Category Cashback Rate Monthly Cap Minimum Spend Requirement
    Petrol 10% RM10 In order to be eligible for the 10% cash back on petrol, groceries, GRAB rides, and dining, you need to spend a minimum of RM500 or more using your card in a month.
    Grocery 10% RM10
    GRAB rides 10% RM10
    Dining 10% RM10
    All other retail purchases 0.2% No cap

    If you spend less than RM500 on your card in a month, the cash back earned on all retail transactions will be 0.2%.

    Balance Transfer Plan

    With Balance Transfer Plan offered by Citibank, you can transfer outstanding balances of your other bank credit cards on to your Citibank Credit Card. This can help you consolidate debts and manage your finances. The facility allows you to transfer balances of RM1,000 and more. Let’s look at the details of this facility:

    Tenure Flat Interest Rate Effective Interest Rate
    6 5.81% p.a. 9.9% p.a.
    9 5.56% p.a.
    12 5.44% p.a.
    18 5.35% p.a.
    24 5.32% p.a.
    30 5.32% p.a.
    36 5.33% p.a.

    FlexiPayment Plan

    With FlexiPayment Plan facility on your Citibank card, you can split the bill of your purchase of RM500 or more into affordable and easy instalments of up to 36 months. You can opt for the plan with a bill of as low as RM500. The table below contains the details of this facility:

    Tenure Flat Interest Rate Effective Interest Rate
    6 months 10.57% p.a. 17.9% p.a.
    12 months 9.96% p.a.
    18 months 9.84% p.a.
    24 months 9.85% p.a.
    30 months 9.91% p.a.
    36 months 9.99% p.a.

    Dial-For-Cash

    Dial-For-Cash feature on your Citibank card helps you access quick funds in case of emergencies. You can get funds within 3 days from the date of application and repay over a duration of 48 months. For more details regarding the plan, refer to the table below:

    Tenure Interest Rate Effective Interest Rate
    6 months 10.57% p.a. flat 17.9% p.a.
    12 months 9.96% p.a. flat
    18 months 9.84% p.a. flat
    24 months 9.85% p.a. flat
    30 months 9.91% p.a. flat
    36 months 9.99% p.a. flat
    48 months 10.19% p.a. flat

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Income Requirement RM36,000 p.a.

    Documents Required

    Applicant Type Required Documents
    Salaried employees
    • Copies of both sides of MyKad.
    • Latest EPF statement or the last 2 months’ salary slips.
    • Latest EA form, or
    • BE form with receipt of tax payment, or
    • Last 3 months’ bank statement.
    Self-employed individuals
    • Copies of both sides of MyKad.
    • Business Registration form’s copy.
    • Last 6 months’ bank statement, or
    • Latest B form with receipt of tax payment.
    Salary-earning expatriates
    • One photocopy of passport.
    • Letter of employment.
    • Salary slips for the 2 recent months.
    • Work permit that is valid for 6 months or more at the time of application.

    How to Apply

    You can apply for the Citi Cash Back Visa online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Types of Fees Charges
    Annual fee (principal card) RM120 (not inclusive of SST)*
    Annual fee (supplementary card) RM60 (not inclusive of SST)*
    Retail interest rate 15% p.a. to 18% p.a. depending upon the repayment behaviour during the last 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee A minimum amount of RM21.20 or 5.3% of the cash withdrawn, whichever is higher.
    Monthly repayment instalment 5% of the total outstanding balance or a minimum of RM50, whichever is higher.
    Late payment charges A minimum amount of RM10 or 1% of the outstanding balance, whichever is higher (Capped at RM100).
    Overseas transaction fee All the overseas transactions completed using foreign currencies will be converted into Malaysian Ringgit as per the exchange rates of Visa International plus an administration cost of 1% charged by Citibank.

    *Effective 1 September 2018, RM25 will be imposed on the existing fee as SST (Sales and Services Tax).

    Citibank Credit Card Promotions

    • Get a discount of up to RM25 when you shop at Applecrumby & Fish with a minimum spend of RM270 and RM10 off with a purc      hase of RM130. The promotion is valid till 31 December 2018.
    • Book international and domestic flights via Airpaz and get a discount of 5% with your Citibank credit card. The offer is valid till 31 December 2018.
    • Make purchases worth RM180 or more and get 10% off on Hermo.my during weekends. This is an ongoing promotion and valid till 31 December 2018.

    FAQs

    Q. How much credit limit can I apply with the Citibank card?

    A. The maximum applicable limit with your credit card is RM450,000.

    Q. Can I modify the dedicated credit limit on my card?

    A. Yes, you can opt to increase or decrease the credit limit of your card. In such cases, you are required to submit latest income documents to the bank.

    Q. How do I carry out purchases using my Citibank credit card?

    A. In order to complete a transaction, you need to put the PIN associated with your card.

    Q. What should I do if I forget my PIN or enter a wrong PIN for a retail purchase?

    A. You will be given 3 attempts to enter the correct PIN. After three failed attempts, your PIN will be blocked  as a safety precaution. In order to get a new PIN, you must contact Citibank via its hotline numbers.

    Q. What is the procedure to apply for Dial-For-Cash facility?

    A. You can apply for this facility via any of the following ways:

    • Log into Citibank Online and apply for the facility.
    • Contact the bank via its customer service numbers and request for the same.
    • Leave your information at the official web portal of Citibank and the bank will contact you.

    Q. Do I need to submit any document for the Dial-For-Cash facility?

    A. No, you do not have to submit any document for the facility.

    Q. What are the charges I need to bear to get a new card to replace my old card?

    A. A card replacement will charge you with a fee of RM50.

    Citi Cash Back Visa can serve as an ideal everyday card and can help you increase your savings by offering you cash back on your daily expenses such as grocery shopping, petrol purchases, dining expenses, and other retail purchases.

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