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

Citi Business Signature Card0.5% Cashback!
Min. Income
Annual Fee
up to 0.75%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.


Get 0.75% cashback on selected spending and 0.5% cashback on utility spending with a minimum redemption value of RM200. You can redeem at anytime - just call CitiPhone!

Cashback categoryCashback rateMonthly capSpend
selected retail transactions0.75%uncappedfrom RM1 and above monthly
utility spends0.5%uncappedfrom RM1 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 RM500,000.

Travel CoverageSum Insured
Personal AccidentUp to RM500,000
Delayed FlightUp to RM1,250
Missed FlightUp to RM1,250
Lost LuggageUp to RM6,000
Delayed LuggageUp to RM2,000


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

Annual Fee
  • RM0 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Late Payment Fee
RM50 or 3.5% of outstanding amount, whichever is higher
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


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



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 recognizes 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 RM75,000 per cardmember will also protect your company against abuse of card privileges.

Up to 0.75% Cashback

The Citi Business Signature Card offers 0.75% cashback on selected transactions and 0.5% cashback on utility spending. This cashback, however, will not be automatically credited to the card. You can redeem the cashback once it has met the minimum accumulation of RM200.

This cashback redemption, whether in full or partially, can only be performed by the authorized person to be credited into the Principal Account. The unredeemed cash back will be carried forward to the following month.

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. Plus, a complimentary travel insurance coverage of up to RM500,000 will be yours when you charge your air travel tickets to Citi Business Signature Card.

The coverage also includes travel inconvenience benefits including flight delay of up to RM1,250, missed flight connection of up to RM1,250, luggage lost of up to RM6,000, luggage delay of up to RM2,000 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)