Citi Cash Back Credit Card credit card

Citi Cash Back Credit Card

Get attractive cash back of up to 5% on all your purchases including petrol and groceries everyday. There's no minimum spend required!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM127.20 annual fee

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Apply online now for Citi Cash Back Credit Card

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Because you should be rewarded for giving the bank your business

Get up to 5% cash rebate on all your spending. Get attractive rates whether you're at the petrol station, buying groceries, or paying for your utility bills.
Discover how much you can save when you shop with your new Citi Cash Back Credit Card
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendup to RM300 monthly5%RM15up to RM300 monthly
PharmaceuticalSpendany amount monthly2%uncappedany amount monthly
GroceriesSpendup to RM1500 monthly2%RM30up to RM1500 monthly
TelcoSpendany amount monthly2%uncappedany amount monthly
Other Retail SpendsSpendany amount monthly0.2%uncappedany amount monthly
Balance Transfer
For a limited time only, Citibank Balance Transfer offers 0.99% interest per annum for a 6-month period.
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 payment terms of 6 to 36 months with flat interest rates ranging from 9.90% to 10.63% per annum. 0% interest for instalment up to 36 months when you make purchases at participating merchants.
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
With Citibank World Privileges, your will be entitled to discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more the world over!

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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave

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
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians and Permanent Residents


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 Cash Back Credit Card review

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

You don't have to wait for specific days or special promotions to enjoy the most cashback from your credit card purchases anymore. No pre-registration and no minimum spending is required. Your cashback is automatically credited into your account.

Enjoy 5% Cash Back

Citi Cash Back Credit Card rewards its cardholders for all their daily spending. For pumping fuel at the petrol station, you will get 5% cashback, meanwhile everyday groceries, telco bill payment and pharmaceutical spending get you 2% cashback. 

Let's see the breakdown of these categories, shall we:

  • 5% petrol rebate at all petrol stations nationwide, capped at RM15 per month;
  • 2% pharmaceutical rebate at Watson, Guardian and Caring pharmacies;
  • 2% groceries rebate at AEON Big, Tesco, Cold Storage, Giant, Everise, Servay, Econsave and Mydin, capped at RM30 per month;
  • 2% telco rebate for bill payment (excluding JomPay transactions) at Maxis and Digi

Last but not least, all other approved retail spending, such as utilities, Astro and municipal councils transactions, are qualified for 0.2% unlimited cashback

Worldwide Privileges

With Citibank World Privileges, you'll be getting a lifestyle upgrade when you are a Citi Cash Back Credit Card member. Have the privilege of having deals and discounts all over the world for hotels, restaurants, golf resorts, and at the shopping mall.

If you're an avid traveller but just a little bit too concerned about your budget, having a credit card that gives you savings on your travels might just be the thing that you need.

Healthcare Packages

Concerned about your health? Honestly, who wouldn't want to be fit and healthy! With your Citi Cash Back Credit Card, there's great savings to be had with exclusive healthcare packages crafted to help maintain your health and your finances.

Enjoy 20% discount on Executive Screening Packages, and an extra 15% off on all walk-in hospital room rates, for those priced RM120 and above at 20 participating hospitals all over Malaysia.

Easy Bill Payments

Charge your recurring utility bills to your Cash Back Credit Card with the Citibank One Bill service and never lose track of your monthly payments ever again. Enjoy peace of mind while saving money with cash rebates on the payment of your electric bills, phone bills, and Astro bill.

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