Citi Business Signature Card credit card

Citi Business Signature Card

Get cashback on everything! Business credit card that offers great rates and detailed expense reports to help you control your employee's spending

  • 15% p.a. interest rate
  • up to 0.8% cashback
  • RM636.00 annual fee

Life Made Easy.

Get a Compimentary Lenovo Tablet with Your New Citi Credit Cards

Apply online now for Citi Business Signature Card

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Citi Business Signature Card

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Citibank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

0.8% unlimited cashback on all spending with a minimum redemption value of RM200. You can redeem at anytime - just call Citibank's 24-hour Business Priority Line at 03-2383 3388!
Discover how much you can save when you shop with your new Citi Business Signature Card
Cashback CategoryCashback RateMonthly CapSpend
Travel and EntertainmentSpendfrom RM20000 and above monthly0.8%uncappedfrom RM20000 and above monthly
Tech GadgetsSpendfrom RM22000 and above monthly0.8%uncappedfrom RM22000 and above monthly
Professional ServicesSpendfrom RM13000 and above monthly0.8%uncappedfrom RM13000 and above monthly
Office SuppliesSpendfrom RM10000 and above monthly0.8%uncappedfrom RM10000 and above monthly
Utility BillsSpendfrom RM15000 and above monthly0.5%uncappedfrom RM15000 and above monthly
Discounts at selected premium golf clubs worldwide, automatic room upgrades at the finest hotels and lots more with VISA Signature. Enjoy complimentary ride home with Airport Limo. Get free travel insurance coverage of up to RM500000.
Travel CoverageSum Insured
Personal AccidentUp to RM500000
Delayed FlightUp to RM1250
Missed FlightUp to RM1250
Lost LuggageUp to RM6000
Delayed LuggageUp to RM2000
Set spending limit to control employee expense, and complimentary Corporate Liability Waiver Insurance of up to RM75,000 per cardholder to protect against misuse by employees

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


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

Citi Business Signature Card review

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

Citi Business Signature Card is designed for companies with employees who manage their expense accounts with credit cards. Supporting cost centre control and billing Business Signature is the ultimate breath of fresh air for company Finance Directors everywhere. And to sweeten the deal, Citibank offers some impressive features to help you get even more for your money.

Security, Flexibility and Protection

Citibank recognises that a company credit card are an essential business tool that requires fine control. You can choose either Full Corporate Liability, where the company is the principal account holder and solely liable for use, or Joint and Several Liability, where employees are equally liable for costs incurred. Complimentary Corporate Liability Waiver Insurance of up to RM75000 per cardmember will also protect your company against abuse of card privileges.

Cash Back on everything

The Citi Business Signature Card offers 0.8% cash back on everything charged to the card, uncapped. Unlike most cards on the market, cash back will not be automatically credited to the card, instead it will be accumulated for redemption on demand in minimum RM200 disbursements. Unredeemed cash back will be carried forward each month.

Full Corporate Liability: all cash back earned by your employee will be credited to the principal account. Only the Authorised Representative or Authorised Signatory of the company can action a redemption.

Joint and Several Liability: cash back earned by a cardholder may be redeemed by that cardholder.

Travel and Dining privileges

The Citi Business Signature Card also lets you enjoy discounts at selected Premium gold club worldwide, automatic room upgrades and well, a world of privileges via the Visa Signature programme. You'll also enjoy dining discounts at over 800 selected restaurants in Malaysia.

You will get complimentary travel protection when you charge your travel tickets with Citi Business Signature Card. The sum assured of personal accident benefit is up to RM500000. The travel inconvenience benefits including flight delay of up to RM1250, missed flight connection of up to RM1250, luggage lost of up to RM6000, luggage delay of up to RM2000 and luggage damage of up to RM500.


Registered company in Malaysia with at least 3 years of operation.
Company’s Annual turnover of minimum RM5 Million
Employee must be 21 years of age and above.
Employees'minimum income must be at least RM24,000 p.a.

Company application documents

Certified true copies of Form 24, Form 49, M&A,
Board Resolution (in the form prescribed by the Bank)
Corporate Guarantor Board Resolution (in the form prescribed by the Bank)
Audited Annual Report
latest 3-month bank statements
Copy of NRIC/Passport of Authorised Signatories, Directors, Shareholders and Partners

Supporting employee documents

Photocopy of MyKad (both sides)

Read More