Citi Cash Back Credit Card credit card

Citi Cash Back Credit Card

Get attractive cashback of up to 10% on all your spending from petrol to groceries, grab rides, dining and many more with Citi Cash Back Credit Card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM127.20 annual fee

Get a Complimentary Huawei MediaPad T3 with Your New Citi Card!

Get a Complimentary Huawei MediaPad T3 with Your New Citi Card!

Apply online now for Citi Cash Back Credit Card

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Citi Cash Back Credit 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.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

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 can@ringgitplus.com, we'd love to help!

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

View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 10% cashback when you spend a total of RM1,000 in month on petrol, groceries, dining and Grab. Spend outside of this categories earn you 0.2% cashback.
Discover how much you can save when you shop with your new Citi Cash Back Credit Card
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendfrom RM1000 and above monthly10%RM10from RM1000 and above monthly
GroceriesSpendfrom RM1000 and above monthly10%RM10from RM1000 and above monthly
DiningSpendfrom RM1000 and above monthly10%RM10from RM1000 and above monthly
Grab RidesSpendfrom RM1000 and above monthly10%RM10from RM1000 and above 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
Travel
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
RM127.20
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
RM63.60
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
18%
Contact-less Payment Methods
Visa payWave

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
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

Features

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 10% Cash Back

Citi Cash Back Credit Card is the cashback credit card to die for as you can earn up to 10% cashback on your daily spending. All you need to do to earn RM10 cashback per month is to spend a minimum of RM1,000 on your cashback credit card.

  • 10% petrol rebate at all petrol stations nationwide
  • 10% Grab rides
  • 10% groceries rebate at AEON Big, Tesco, Cold Storage, Giant, Everise, Servay, Econsave, Mydin, B.I.G Ben's Independent Grocer, Jaya Grocer and Village Grocer
  • 10% dining rebate
  • 0.2% cashback on other retail spend, uncapped!

If your total retail spending for the month is below RM1,000, you will still earn 0.2% cashback on all categories.

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.

Read More

Latest Promotions for the Citi Cash Back Credit Card

Discover great discounts and free offers available near you