Citi Business Platinum Card credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1.2% cashback
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM200.00 annual fee

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Because you should be rewarded for giving the bank your business

Bigger returns with 1.2% cash back on overseas spending and 0.5% cash back on all other local retail spending.
Discover how much you can save when you shop with your new Citi Business Platinum Card
Cashback CategoryCashback RateMonthly CapSpend
Overseas SpendingSpendany amount monthly1.2%uncappedany amount monthly
Local SpendingSpendany amount monthly0.5%uncappedany amount monthly
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
12 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
36 months0% one-time upfront handling feefrom RM500 
Learn more about Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feefrom RM500 
12 months9.96% p.a. and no one-time upfront handling feefrom RM500 
18 months9.84% p.a. and no one-time upfront handling feefrom RM500 
24 months9.85% p.a. and no one-time upfront handling feefrom RM500 
30 months9.91% p.a. and no one-time upfront handling feefrom RM500 
36 months9.99% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
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 RM1000000
Delayed FlightUp to RM675
Missed FlightUp to RM675
Lost LuggageUp to RM2000
Delayed LuggageUp to RM675
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Who can Apply
Self-Employed (i.e. Business Owner) applicants only


Get some extra help from your credit card when you need it most

Easy Payment Plan
Citibank Easy Pay Plan
Citibank Flexi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Citibank Dial For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Citibank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Citi Business Platinum Card review

What's so good (or not so good) about it?

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 cash back 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.

Travel & Dining 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 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 instalments of 6 to 36 months based on flat interest rates of 9.84% to 10.57% per annum.

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