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    CitiBusiness Credit Card

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    CitiBusiness Credit Card caters to business owners and SMEs. The card offers business owners with efficient payment tools that can help small and medium enterprises in meeting their financing requirements. The card allows for setting of individual spend limits thus giving a better control over finances.


    • The card is a rewards card which earns Citi reward points on expenses charged to it.
    • The card can earn air miles when used to book hotel stays from Kaligo Business Plus.  The air miles can be chosen from over 25 airline partners.
    • The card comes with a high credit limit to meet business financing needs. Business expenses also come with an interest-free period.
    • The card separates the business credit line form the existing personal credit line of the cardholder with the bank.


    • The card offers a detailed monthly consolidated business statement. The statement shows particulars such as category of spend, the specific merchants, and activities of individuals (owner and the employee).
    • The card offers supplementary credit cards for trusted individuals and provides the ability to set spend limits on each card giving cardholders a greater degree of control on their finances.
    • Cardholders who pay with the CitiBusiness Card for executive screening packages can enjoy a discount of up to 20%. Cardholders can also get a discount of up to 15% on walk-in room rates provided the rates are RM120 and above. This benefit is applicable at over 20 participating hotels.

    Eligibility Criteria

    Applicants must meet certain eligibility criteria set forth by the bank criteria to avail this card. These criteria can range from age to annual income and any other additional fields as required by Citibank from time-to-time.

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM212 p.a. (Including 6% GST)
    Annual fees – Supplementary card RM106 p.a. (Including 6% GST)
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever is higher.
    Maximum Credit Limit RM450,000
    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 for every copy
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