Citi Business Platinum Card

A unique card that balances your business and lifestyle needs, both locally or abroad. Whenever and wherever you spend, you earn cash back.

Citi Business Platinum CardUp to 1.2% Cashback
Min. Income
RM4,000/month
Annual Fee
Free*
Cashback
up to 1.2%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Bigger returns with 1.2% cash back on overseas spending and 0.5% cash back on all other local retail spending.

Cashback categoryCashback rateMonthly capSpend
Overseas Spending1.2%uncappedany amount monthly
Local Spending0.5%uncappedany amount monthly

Travel

Complimentary travel insurance of up to RM1,000,000 when you purchase your travel tickets with Citi Business Platinum Card.

Travel CoverageSum Insured
Personal AccidentUp to RM1,000,000
Delayed FlightUp to RM675
Missed FlightUp to RM675
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM675

Premium

Constantly flying abroad to close business deals and meetings? Enjoy discounts on your total dining bill at hotels and special rates on hotel rooms with your new Visa credit card from Citibank.

Balance Transfer

Transfer your outstanding balances from other credit cards and pay low interest rates of 0.99% over a 6-month payment term.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan

Easy Payment Plans

Citibank Flexi Payment Plan offers flat interest rates of 9.90% to 10.63% per annum for payment terms of 6 to 36 months. Pay 0% interest for instalment up to 36 months when you purchase at participating outlets.

Citibank Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM500
12 months9.96% p.a. and no one-time upfront handling feeRM500
18 months9.84% p.a. and no one-time upfront handling feeRM500
24 months9.85% p.a. and no one-time upfront handling feeRM500
30 months9.91% p.a. and no one-time upfront handling feeRM500
36 months9.99% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Flexi Payment Plan
Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM200 primary card

    Free for first year when you swipe 3 times within 60 days

  • RM100 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM48,000
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Self-Employed (i.e. Business Owner) applicants only

Features

Easy Payment Plan
Citibank Flexi Payment Plan
Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
Cash Advance / Cash Loan
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.

Review

Balancing your business and lifestyle needs can sometimes be a little tricky. With Citi Business Platinum Card, you can do this easily as this credit card provides benefits to suit your work and lifestyle requirements and rewards you at the same time.

1.2% Cash Back

It is easy to earn cash back with Citi Business Platinum Card. Cardholders will be awarded 0.5% cash back on all local spending. However, petrol purchases and government charges are not eligible for cash back.

For those who travel overseas, this credit card is the perfect way to earn more cash back. All overseas spending charged to Citi Business Platinum Card will be given 1.2% cash back. This cash back can be redeemed at any time with just a phone call. Best of all, there is no cap on the cash back amount you can earn. Hence, the more you spend, the more cash back you receive!

However, you will only receive the cash back when the accumulated amount is RM20. If your accumulated cashback is less than RM20 for a particular month, the total cash back amount will be carried forward to the following month and so forth. The cash back you earned will be credited into the principal card member's account.

Dining & Travel Perks

This credit card also allows you to entertain in style and make a good impression on your clients. When Citi Business Platinum Card cardholders spend RM500 or more in a single receipt at selected premium dining venues, they are entitled to a 20% discount on total food bill. Moreover, they also get to enjoy wine or dessert on the house.

You will get free travel insurance coverage when you purchase your travel tickets with Citi Business Platinum Card.

  • Up to RM100000 for personal accident benefits
  • Up to RM675 for flight delay
  • Up to RM675 for missed flight
  • Up to RM675 for luggage delay 
  • Up to RM2000 for luggage loss
  • Up to RM250 for luggage damage

The insurance policy is written by ACE Jerneh Insurance Berhad.

Financial Tools

Managing your finances well is important to create an ideal balance between work and life. The Citi Business Platinum Card has the features to help cardholders do this easily and efficiently. Its Balance Transfer plan allows cardholders to settle outstanding balances transferred from other credit cards or charge cards at 2.99% p.a. over a 9-month period.

Cardholders who want to pay for large purchases over a period of time can opt for the Citibank Flexi Payment Plan available under Citi Business Platinum Card. With this plan, cardholders can convert their purchases into fixed monthly installments of 6 to 36 months based on flat interest rates of 9.84% to 10.57% per annum.