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    Citibank Cashback Credit Cards

    Citibank Malaysia offers a range of cashback credit cards that gives you rebates with every retail transaction. From rebates on petrol and dining to grocery and Grab rides, there’s plenty of money that you can get back when you use these cards for all your retail expenses.

    Types of Citibank Credit Cards Offering Cashback

    Citi Cash Back Credit Card

    The Citi Cash Back Credit Card comes in two variants – the Citi Cash Back Credit Card and the Citi Cash Back Platinum Credit Card. This card lets you earn cashback in various retail spending categories. Here are the cash rebate details of this card:

    Cashback Category Cashback Rate Minimum Spend Requirement (per month) Monthly Cap
    Petrol 10% RM1,500 (Cash Back Platinum Credit Card) RM15 (Cash Back Platinum Credit Card)
    RM1,000 (Cash Back Credit Card) RM10 (Cash Back Credit Card)
    Grab Rides 10% RM1,500 (Cash Back Platinum Credit Card) RM15 (Cash Back Platinum Credit Card)
    RM1,000 (Cash Back Credit Card) RM10 (Cash Back Credit Card)
    Dining 10% RM1,500 (Cash Back Platinum Credit Card) RM15 (Cash Back Platinum Credit Card)
    RM1,000 (Cash Back Credit Card) RM10 (Cash Back Credit Card)
    Groceries 10% RM1,500 (Cash Back Platinum Credit Card) RM15 (Cash Back Platinum Credit Card)
    RM1,000 (Cash Back Credit Card) RM10 (Cash Back Credit Card)
    Other Retail Purchases 0.2% RM1,500 (Cash Back Platinum Credit Card) Unlimited cashback for both Cash Back Credit Card and Cash Back Platinum Credit Card
    RM1,000 (Cash Back Credit Card)

    You can enjoy many other benefits other than cashback on retail purchases with your Citi Cash Back Credit Card. Here are the additional benefits and features associated with this card:

    • All cashback will be credited into your credit account automatically.
    • Enjoy a range of exclusive Citibank World Privileges with your card.
    • Get up to 20% off healthcare packages and 15% off walk-in room rates at participating KPJ hospitals.
    • Get 24-hour personal concierge services with the Citi Cash Back Platinum Credit Card.
    • Charge all your recurring monthly bills to this card with Citibank One Bill – an auto-bill payment feature.
    • Keep a track of all expenses made on this credit card with the help of Citibank Online and CitiPhone Banking channels.
    Retail Category Monthly Spend Cashback Earned Per Month
    Petrol RM100 RM10
    Grocery RM210 RM15 (Monthly cap)
    Dining RM120 RM12
    Grab Rides RM140 RM14
    Other Retail Purchases RM1,000 RM2
    Total RM1,570 RM53

    Who Can Apply Malaysian citizens and expatriates working in Malaysia.
    Age Requirement for Principal Card 21-65 years
    Age Requirement for Supplementary Card 18-65 years
    Income Requiremen Citi Cash Back Credit Card: RM36,000 p.a. Citi Cash Back Platinum Credit Card: RM60,000 p.a.

    Shell-Citi Credit Card

    The Shell-Citi Credit Card is designed specifically for those of you who commute everyday and spend a lot on petrol. This card gives you cash rebates on petrol purchases made at Shell stations throughout Malaysia. Here are the cash rebate details of this card:

    Monthly Spend Amount Rebate at Shell Fuel Stations Maximum monthly spend at Shell Fuel eligible for Rebate Monthly Cap on Rebates
    RM300 to RM999 4% RM250 RM10
    RM1,000 to RM2,499 6% RM500 RM30
    RM2,500 or more 8% RM800 RM64

    You can save more money on your monthly petrol expenses with the Shell-Citi Credit Card. This card lets you earn a cash rebate on petrol purchases made at Shell Fuel stations located across Malaysia. Here are some of the other benefits you can enjoy with this card:

    • Enjoy an annual fee waiver for the first year when you use your card three times or more in the first 60 days after approval.
    • Get discounts of up to 50% at more than 25,000 participating dining, golfing, shopping, and travel outlets.
    • Get up to 20% off executive screening packages and 15% off walk-in room rates at participating KPJ hospitals.
    • Keep a track of your monthly expenses on this card with Citibank Online and CitiPhone Banking channels.

    The following illustration describes the earning of cash rebates with the Shell-Citi Credit Card:

    Monthly Spend (on all retail transactions) Amount Spent at Shell Fuel Station Cash Rebate Rate Cash Rebate Earned
    RM600 RM200 4% RM8 (calculated with a maximum eligible amount of RM250 spent at Shell Fuel Station)
    RM1,800 RM600 6% RM30 (calculated with a maximum eligible amount of RM500 spent at Shell Fuel Station)
    RM2,700 RM700 8% RM56 (Calculated with a maximum eligible amount of RM800 spent at Shell Fuel Station)

    This table shows that you can earn cash rebates at different rates according to the amount spent on retail purchases every month.

    Who Can Apply Malaysian citizens and expatriates working in Malaysia.
    Age Requirement for Principal Card 21-65 years
    Age Requirement for Supplementary Card 18-65 years
    Income Requirement RM24,000 p.a.

    Citi Simplicity+ Card

    The Citi Simplicity+ Card helps you save money on the finance charges that’s payable on a monthly basis. This card lets you earn a rebate on interest charges every month when you make monthly payments on time. The card comes with no annual fee and zero late payment charges. Here are the cash rebate details of this card:

    Interest Back Category Interest Back Rate
    Retail Purchases 10%
    Cash Advances 10%

    The Citi Simplicity+ Credit Card comes with no cap on interest rebates earning and doesn’t charge you an annual fee or late payment fees. Here are the features and benefits of this credit card:

    • No annual fee for life.
    • No late payment charges.
    • No charges for exceeding the assigned credit limit.
    • No cap on cash rebates earned on interest payable.
    • Get rebates earned on the interest paid automatically transferred into your credit account.
    • Enjoy various privileges related to shopping, traveling, beauty and wellness with Citi World Privileges.

    For the following illustration, we have assumed that the cardholder has made monthly payments on or before the due date for the last 12 months. So, the finance charges in this case will be 15% p.a. Also, the cash advance interest rate is 18% p.a.

    Type of Transactions Amount Spent Per Month Interest Payable Rate of Cash Rebate on Interest Paid Cash Rebate Earned
    Retail Purchases RM3,000 RM450 10% RM45
    Cash Advance RM1,000 RM180 10% RM18
    Total RM4,000 RM630 10% RM63

    This table shows that you can earn cash rebates at different rates according to the amount spent on retail purchases every month.

    Who Can Apply Malaysian citizens and expatriates working in Malaysia.
    Age Requirement for Principal Card 21-65 years
    Age Requirement for Supplementary Card 18-65 years
    Income Requirement RM24,000 p.a.

    Joining Promotion

    Enjoy a 3-year annual fee waiver when you activate your Citibank credit card within 60 days of approval. This offer is valid until 30 June 2018.

    Fees and Charges

    Key Charges
    Annual Fee (principal card) Citi Cash Back Credit Card: RM120.
    Citi Cash Back Platinum Credit Card: RM195.
    Shell-Citi Credit Card: RM195.
    Citi Simplicity+ Card: No charge.
    Annual Fee (supplementary card) Citi Cash Back Credit Card: RM60.
    Citi Cash Back Platinum Credit Card: RM100.
    Shell-Citi Credit Card: RM100.
    Citi Simplicity+ Card: No charge.
    Retail Interest Rate 15% p.a. to 18% p.a. depending on your repayment behaviour in the last 12 months.
    Cash Withdrawal Fee 5.3% of the cash withdrawn or a minimum amount of RM21.20.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.
    Late Payment Fee Citi Simplicity+ Card: No charge.
    All other cards: 1% of the outstanding balance or RM10, whichever is higher (max. RM100).
    Minimum Monthly Payment 5% of the outstanding balance or an amount of RM50, whichever is higher.

    Documents Required

    You are required to present the following set of documents according to your employment at the time of application of any of the Citibank Cashback cards:

    Applicant type Required documents
    Salary-earning individuals
    • 1 copy of MyKad.
    • Latest 2 months’ pay slips or the recent EPF statement.
    • Recent EA form, or
    • Latest BE form along with the receipt of tax payment, or
    • Latest 3 months’ bank statements.
    Self-employed individuals
    • 1 copy of MyKad.
    • Business Registration form’s copy.
    • Latest 6 months’ bank statements, or
    • Latest B form with tax payment receipt.
    Salary-earning expatriates
    • 1 copy of passport.
    • Letter of employment.
    • Latest 2 months’ pay slips.
    • A valid working permit that is valid for a minimum of 6 months at the application date.

    Applying for Citibank Cashback Credit Card

    Apply for any of the Citibank Cashback credit cards online at BBazaar.my conveniently by submitting your personal and financial details.

    Citibank Cashback credit cards offer cash rebates on various retail transactions. To choose the best card from this list of cashback cards offered by Citibank, be sure to assess your lifestyle needs and spending habits.

    Now, consider all the features and benefits of a particular card and see if it suits your needs. It’s also recommended that you consider the cashback rates, fees, and additional charges before opting for any credit card.

    FAQs on Citibank Cashback Credit Cards

    Q. Can I get cashback with retail purchases other than petrol with my Shell-Citi Credit Card?

    A. No, you can earn cashback only on petrol purchases with the use of your Shell-Citi Credit Card. However, you can use all other retail purchases to meet the minimum spend requirement and be eligible for the cashback.

    Q. What is the minimum amount I need to spend on a monthly basis with my Shell-Citi Credit Card to get cashback on petrol?

    A. The minimum amount you need to spend per month to be eligible for cashback on petrol is RM300.

    Q. What if I don’t meet the monthly spend requirement with my Citi Cash Back/Citi Cash Back Platinum Credit Card? Can I still earn cashback with retail purchases?

    A. You can earn cashback at the rate of 0.2% for all retail purchases if you don’t meet the minimum spend requirement with your Citi Cash Back or Citi Cash Back Platinum Credit Card.

    Q. What is the monthly cap for cashback that I can earn with retail purchases except petrol, Grab rides, dining, and groceries with my Citi Cash Back/Citi Cash Back Platinum Credit Card?

    A. There is no monthly cap on the 0.2% cashback earned on all other retail transactions other than Grab rides, petrol, groceries, and dining transactions with the Citi Cash Back/Citi Cash Back Platinum Credit Card.

    Q. What if I exceed the assigned credit limit of my Citi Cashback card? Is there a charge I need to bear in such a case?

    A. You don’t have to pay any fees if you exceed the credit limit on your Citi Simplicity+ Credit Card. However, you will be charged with an overlimit fee of RM25 if you exceed the assigned credit limit of the Shell-Citi Credit Card or the Citi Cash Back/Citi Cash Back Platinum Credit Card.

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