Citi Cash Back Mastercard

Enjoy more savings with Citi World Privileges. Activate your new card via Citi Mobile® App with a temporary CVV and start spending.

Citi Cash Back Mastercard10% cashback for dining and petrol
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 10%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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worth RM3899
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Cashback

Spend RM500 and above every month and get 10% cashback on petrol, groceries, dining and Grab too. Any other retail spends earn you 0.2% cashback. Terms and Conditions Apply.

Cashback categoryCashback rateMonthly capSpend
Petrol10%RM10from RM500 and above monthly
Groceries10%RM10from RM500 and above monthly
Dining10%RM10from RM500 and above monthly
Grab10%RM10from RM500 and above monthly
Petrol0.2%uncappedup to RM499 monthly
Groceries0.2%uncappedup to RM499 monthly
Dining0.2%uncappedup to RM499 monthly
Grab0.2%uncappedup to RM499 monthly
Other Retail Spends0.2%uncappedany amount monthly

Petrol

Earn 10% cashback on petrol transactions when your total retail spend reached more than RM500 in a month. This cashback category is capped at RM10 per month.

Premium

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.

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plans that offers you low interest rates. Pay off your debts in no time with smaller installments and a flexible repayment tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan
Pay OverWith Interest Rate AtWhen You Transfer
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer Plan

Easy Payment Plans

Citibank Easy Pay Plan offers payment terms of up to 48 months with zero interest rates.

Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM120 primary card

    Free for first 3 years. New cardholders only.

  • RM60 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.
Citibank Balance Transfer Plan
Enjoy interest savings when you transfer your credit card debts to a brand new Citibank credit card, at an effective interest rate of 18% p.a. for up to 12 months.

Review

What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, the delivery for your new Citi credit card 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 firstly 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 "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 on 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 NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN
Highlights of Citi Cash Back Mastercard


Citi Cash Back Mastercard 

Highest cashback rate 10% cashback with a total monthly spend of RM500 and above
Highest cashback amount RM10 per category
Max spend to earn highest cashback amount RM100 per month
Eligible spend to earn highest cashback rate Petrol, Groceries, Dining and Grab
Eligible Cardholder(s) Principal and Supplementary

You don't have to wait for specific days or special promotions to enjoy the most cashback from your credit card purchases anymore.

No minimum spending is required. Your cashback is automatically credited into your account.

Enjoy RM50 Cashback Every Month

Get up to RM50 savings every month (or RM600 in a year) on your credit card spending with Citi Cash Back Credit Card.

All you need to do to earn RM10 cashback is to accumulate a total retail spend of RM500 and above on your cashback credit card.

Once your total credit card spending have hit the minimum RM500 mark, you will get 10% cashback on each category. See below table for more information:

Citi Cash Back Mastercard Cashback
Category Cashback Condition
Petrol
All petrol stations nationwide

10%
0.2%

Spend RM500 and above (monthly)
Spend below RM500 (monthly)

Groceries

  • AEON BiG
  • Tesco
  • Cold Storage
  • Giant
  • Everise
  • Servay
  • Econsave
  • Mydin
  • Ben’s Independent Grocer (B.I.G.)
  • Jaya Grocer
  • Village Grocer

10%
0.2%


Spend RM500 and above (monthly)
Spend below RM500 (monthly)
Dining 10%
0.2%
Spend RM500 and above (monthly)
Spend below RM500 (monthly)
Grab
10%
0.2%
Spend RM500 and above (monthly)
Spend below RM500 (monthly)
Other Retail Spends 0.2% No minimum spend

Citi Cash Back Mastercard Top 4 Features

Besides offering you fantastic cashback and benefits, the Citibank credit card also boasts 4 features to make your banking activity hassle-free.

Citi World Privileges

Get deals and discounts locally & in over 90 countries.

Citi PayLite

Convert your retail transactions into monthly instalments

Citi FlexiBill

Convert your outstanding balance into monthly instalments

Citi Quick Cash

  • Get quick cash bundled with instalment options
  • Receive quick cash within 7 working days

Eligibility and Required Documents

Any individual with the minimum age of 21 years old (principal card) and 18 years old (supplementary card) can apply for Citibank Cash Back Mastercard.

Another eligibility criteria is you must be earning a minimum of RM3,000 per month. To complete your Citibank credit card application, remember to prepare the documents below:

Required Documents for Citibank Cash Back Mastercard Application
Self-employed Salaried Employee Salaried Expatriate
Photocopy of MyKad (both sides) Photocopy of MyKad (both sides) Passport copy
Photocopy of Business Registration Form Latest EPF statement / 2 months salary slip Latest 2 months salary slip
Latest Form B with tax receipt Choose 1:
3 months bank statement
Latest EA Form
Latest BE Form with tax receipt
Letter of employment
    Working permit with min. validity of 1 year during application

"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."