Citi Business Platinum Card

A unique card that balances your business and lifestyle needs, both locally or abroad. Earn unlimited cashback with automatic redemption.

Citi Business Platinum CardUp to 1.2% Cashback
Min. Income
Annual Fee
up to 1.2%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3
*Valid for new Citibank cardmember only

Giordano 20’ Luggage Bag


Unlimited 1.2% cashback on overseas spending and unlimited 0.5% cashback on local retail spending. Cashback will be automatically redeemed into your account once reached RM20.

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


Complimentary travel insurance coverage of up to RM1 million 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

Balance Transfer

Transfer your outstanding balances from other credit cards and pay low interest rates over flexible repayment terms.

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 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 activation 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
Contact-less Payment Methods


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


Easy Payment Plan
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.


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.

Citi Business Platinum Card - 1.2% cashback

It is easy to earn cashback with Citi Business Platinum Card. Cardholders will be awarded 0.5% cashback on all local spending. 

However, petrol purchases and government charges are not eligible for cashback.

For those who travel overseas, this credit card is the perfect way to earn more cashback. 

All overseas spending charged to this Citibank credit card will be given 1.2% cashback.* 

This cashback can be redeemed at any time with just a phone call. Best of all, there is no cap on the cashback amount you can earn. 

Hence, the more you spend, the more cashback you receive!

However, you will only receive the cashback when the accumulated amount is RM20. 

If your accumulated cashback is less than RM20 for a particular month, the total cashback amount will be carried forward to the following month and so forth. 

The cashback you earned will be credited into the principal card member's account.

*Starting from 7 November 2019, no cashback given for transactions made at merchants located in the European Economic Area (EEA). Click here for more info.

Citibank 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 the 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.

Citi Business Platinum Card 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 8.99% p.a. over a 12-month period.