Citi Business Signature Card

Get cashback on everything! A business credit card that offers great rates and detailed expense reports helps you control your employee's spending. Activate your new card via Citi Mobile® App with a temporary CVV and start spending. Issued by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Citi Business Signature Card0.75% cashback for business spend
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 business spending, and 0.2% cashback on utility spending with a minimum redemption value of RM200.

on selected Retail Spend0.75%uncappedany amount monthly
on Utilities0.2%uncappedany amount monthly


Enjoy complimentary travel insurance coverage of up to RM500,000. Terms and conditions apply.


Complimentary Corporate Liability Waiver Insurance of up to RM75,000 per cardholder to protect against misuse by employees. 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.

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

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RM20 or 5% of withdrawn amount, whichever is higher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


Minimum Annual Income
Minimum Age
  • 21 years old primary card
Who can apply
  • Any Business



What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, your new Citi credit card delivery 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 first 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 the "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 in 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 the NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN

Security, Flexibility and Protection

Citibank recognizes that a company credit card is an essential business tool that requires fine control. 

Citi Business Signature Card is designed for companies with employees who manage their expense accounts with credit cards.

You can choose either Full Corporate Liability, where the company is the principal account holder and solely liable for the 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 card member 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 0.2% 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 cashback will be carried forward to the following month.

Travel and Dining privileges

This Citibank Signature credit card also lets you enjoy discounts at selected Premium gold clubs 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.  

Travel Insurance Coverage

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. Subject to terms and conditions.

The coverage also includes travel inconvenience benefits including flight delay of up to RM1,250, missed flight connection of up to RM1,250, luggage loss of up to RM6,000, luggage delay of up to RM2,000 and luggage damage of up to RM500.

Citi Business Signature Card Application Requirements

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

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 IC/Passport of Authorised Signatories, Directors, Shareholders and Partners

Supporting employee documents

  • Photocopy of IC (both sides)

"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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