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:
Best Suited For
|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.|
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.|
|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%.
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.|
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 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|
|Age Requirement for Principal Card||21 Years|
|Age Requirement for Supplementary Card||18 Years|
|Income Requirement||RM36,000 p.a.|
|Applicant Type||Required Documents|
You can apply for the Citi Cash Back Visa online at BBazaar.my easily by providing your personal and financial details.
|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).
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:
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.