Citi Cash Back Platinum Mastercard

Spend and save with Citi Cash Back Platinum credit card. Activate your new card via Citi Mobile® App with a temporary CVV and start spending.

Citi Cash Back Platinum Mastercard10% cashback for dining and petrol
Min. Income
RM5,000/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

Get a FREE
Cashback Giveaway
worth RM600
when you apply through RinggitPlus
Terms and conditions apply

Cashback Giveaway

Our Previous Winners

Cashback

Get 10% cashback on categories such as petrol, groceries, dining and Grab when you spend RM1,500 and above per month. Any other retail spends earn you 0.2% cashback. Terms and Conditions Apply.

Cashback categoryCashback rateMonthly capSpend
Petrol10%RM15from RM1,500 and above monthly
Groceries10%RM15from RM1,500 and above monthly
Dining10%RM15from RM1,500 and above monthly
Grab10%RM15from RM1,500 and above monthly
Petrol0.2%uncappedfrom RM1 up to RM1,499 monthly
Groceries0.2%uncappedfrom RM1 up to RM1,499 monthly
Dining0.2%uncappedfrom RM1 up to RM1,499 monthly
Grab0.2%uncappedfrom RM1 up to RM1,499 monthly
Other Retail Spends0.2%uncappedany amount monthly

Petrol

Earn 10% cashback on petrol when you spend more than RM1,500 with Citi Cash Back Platinum, 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

Easy Payment Plans

Citibank Easy Pay Plan offers payment terms of up to 48 months with zero interest rates and a minimum payment of RM500.

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
  • RM195 primary card

    Free for first 3 years. New cardholders only.

  • RM100 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
RM60,000
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.

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

Up to 10% cashback

Citi Cash Back Platinum Mastercard is the cashback credit card to die for as you can earn up to 10% cashback on your daily spending, with a total cashback of RM75 every month will be yours.

Just spend on these 4 retail categories, you can earn RM15 cashback each when your total monthly spend have reached a minimum of RM1,500 and above.

CategoryRM1,500 and aboveBelow RM1,500
Petrol10%0.2%
Dining10%0.2%
Grab10%0.2%
Groceries at selected supermarkets10%0.2%
Other retail spends0.2%0.2%

If you're feeling economical and don't want to hit the minimum monthly spend of RM1,500, you can still earn unlimited cashback of 0.2% on all categories. These cashback will be automatically added into your account in the next statement cycle.

Top Citibank credit card features

With this Citibank credit card, you are not only in for the world of cashback and rewards, but also accesses to premium dining, cheap traveling, shopping and credit facilities. 

Below are some of the top features of Citi credit card:

  • Citi PayLite and Citibank Easy Pay Plan (easy payment plans)
  • Citibank Balance Transfer
  • Citi Quick Cash
  • Citi FlexiBill (auto balance conversion plan)
  • Citi World Privileges

Easy Bill Payments with Citi Cash Back Platinum Mastercard

Charge your recurring utility bills to your Citi Cash Back Platinum Mastercard 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 utility bills.

"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."