Citi Business Platinum Mastercard

A unique card that balances your business and lifestyle needs, both locally or abroad. Earn unlimited cashback with automatic redemption. Activate your new card via Citi Mobile® App with a temporary CVV and start spending.

Citi Business Platinum MastercardUnlimited cashback and travel insurance
Min. Income
Annual Fee
up to 1.2%
Easy Payment Plan
From 9.84% p.a.
Interest Rate
15% p.a.
20 days

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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 Spends1.2%uncappedany amount monthly
Local Spends0.5%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


With the Temporary CVV feature, you can now activate your new Citi credit card instantly via Citi Mobile® App, and start spending while waiting for your physical card to be delivered to you. Terms and conditions apply. Read more on our Review below.

Easy Payment Plans

Citi PayLite
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM1,000
12 months9.96% p.a. and no one-time upfront handling feeRM1,000
18 months9.84% p.a. and no one-time upfront handling feeRM1,000
24 months9.85% p.a. and no one-time upfront handling feeRM1,000
30 months9.91% p.a. and no one-time upfront handling feeRM1,000
36 months9.99% p.a. and no one-time upfront handling feeRM1,000
48 months9.99% p.a. and no one-time upfront handling feeRM1,000
60 months9.99% p.a. and no one-time upfront handling feeRM1,000
Learn more about Citi PayLite

Fees & Charges

Annual Fee
  • RM200 primary card

    First 3 years free

  • 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RM20 or 5% of withdrawn amount, whichever is higher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
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass


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


Easy Payment Plan
Citi PayLite
Enjoy more freedom when you transfer your retail purchases to Citi PayLite, convert your credit card purchases into affordable monthly instalments.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.


Balance your business and lifestyle needs easily with Citi Business Platinum Card and get rewarded with cashback.

What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, the delivery for your new Citi credit card might take some time to arrive. But fret not, you can still start your expenditure without your physical card by activating your temporary CVV via Citi Mobile® App.

Temporary CVV is a 3-digit security code that you can use to activate your new Citi credit card while waiting for the physical card to be delivered.

To get this unique code, your Citi credit card must firstly get approved by the bank. Then, you may download the Citi Mobile® App and retrieve your unique temporary CVV code to activate your card. Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV on the card.

Check out the terms and conditions here.

Steps to activate the Temporary CVV

1. Register or log-in to Citi Mobile® App. Click "Activate to view card details".

2. You will be led to "Manage Card" screen.

3. Enter the OTP that was sent to your registered phone number.

4. After authentication, your card number and expiry date will be displayed. Click on "View" to reveal the temporary CVV.

5. Your temporary CVV will then be displayed.

My Citi credit card is here. What should I do next?

Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV found at the back of your card, and you still need to activate it. This new CVV will then be used for all your transactions and recurring payments moving forward. Here’s how you can activate your new Citi credit card:

Via Citi Mobile® App:

  • Register and log-in to Citi Mobile® App
  • Tap on the icon on the top left corner
  • Tap on ‘Create Card PIN’
  • Enter your new 6-digit PIN
  • Enter the OTP for verification
  • Voila! Your PIN has been successfully created

Via Citibank Online:

  • Register and log-in to Citibank Online
  • Click on ‘Services’, ‘My Profile’, and select ‘Create Card PIN’
  • Enter the OTP for verification
  • Select your card
  • Enter your new 6-digit PIN
  • Done! Your PIN has been successfully created

Via Citibank Card Activation & PIN Creation Hotline:

  • Call +60323830011
  • Select the language option and enter NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN

1.2% Cashback on Overseas Spend

Whenever you are traveling overseas for work or leisure, don't forget to bring this Citibank credit card with you as you will get 1.2% cashback* on all your overseas spending. 

Best of all, there is no cap on the cashback amount you can earn. This cashback will be automatically credited into you account when you have accumulated a minimum cashback amount of 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. 

If you want to maximise your cashback amount, swipe your Citi Business Platinum Card on local retail spends to earn 0.5% cashback when you're back in Malaysia.

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

Personal Accident and Travel Insurance Coverage

If you don't have time to compare and apply travel insurances from so many insurance providers before your next trip, just charge your flight ticket expense to this Citi Business Platinum Card to enjoy a complimentary Personal Accident benefit worth RM1 million.

Underwritten by Chubb Insurance Malaysia Berhad, you will also get complimentary travel inconveniences coverage such as:

  • Up to RM675 for flight delay
  • Up to RM675 for missed flight
  • Up to RM675 for luggage delay 
  • Up to RM2,000 for luggage loss
  • Up to RM250 for luggage damage

Top Financial Tools

Managing your finances well is important to create an ideal balance between work and life. The Citi Business Platinum Mastercard has the features to help cardholders do this easily and efficiently. They are:

  • Citi World Priviliges
  • Citi PayLite
  • Citi FlexiBill
  • Citi Quick Cash

"Shall there be any discrepancy on the latest card information such as credit card T&C, credit card benefits, fees & charges, information on Citibank website shall be deemed as latest and final."

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