Citi Cash Back Platinum credit card

Citi Cash Back Platinum

Up to 5% cashback on petrol, groceries, phone bills, pharmacies and more. No registration, no minimum spend. Just shop and save!

  • 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)
  • RM206.70 annual fee

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Because you should be rewarded for giving the bank your business

Up to 5% cashback on all petrol, groceries, phone bills, medical and more. Get cash back on all your retail purchases, all year round. No minimum spend, no registration.
Discover how much you can save when you shop with your new Citi Cash Back Platinum
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendup to RM300 monthly5%RM20up to RM300 monthly
PharmaceuticalSpendany amount monthly2%uncappedany amount monthly
GroceriesSpendup to RM3000 monthly2%RM60up to RM3000 monthly
TelcoSpendany amount monthly2%uncappedany amount monthly
Other Retail SpendsSpendany amount monthly0.2%uncappedany amount monthly
Balance Transfer
Enjoy savings on your credit balance. Citibank Balance Transfer offers 0.99% interest per annum on a 6-month payment term.
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. Enjoy interest free for 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
Earn 5% cashback on petrol spending at any petrol station. Cashback is capped at RM20 per month.
With Citibank World Privileges, your Citi Cash Back Platinum Card will entitle you to discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more. You also get free insurance for travel booked on your credit card.
With your Citi Cash Back Platinum Credit Card, you can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health. 24-hour concierge service exclusively for Citi Cash Back Platinum cardmembers.

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

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 Platinum review

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

Wishing you could earn cash rebates on all your daily spending, all the time? Then the Citi Cash Back Platinum is the perfect credit card for you. With no minimum spending requirement, earning cash back couldn’t be easier with this credit card.

Up to 5% Cash Back

Citi Cash Back Platinum rewards its cardholders based on a tiered cashback system. The benefits of Citibank Cash Back credit card is that you will receive up to 5% cashback on everything. Let's see the breakdown of these categories, shall we:

  • 5% petrol rebate at all petrol stations nationwide, capped at RM20 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 RM60 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.

Balance Transfer

Citi Cash Back Platinum cardholders can also easily manage their finances with Citibank Balance Transfer. This feature allows cardholders to transfer outstanding balances from other credit cards or charge cards to Citi Cash Back Platinum credit card.

Then, cardholders can pay off the total outstanding balances at 0.99% per annum interest rate over a 6-month period. With balance transfer, cardholders can manage their credit card balances more efficiently and even save on interest payments.

Healthcare Benefits

Citi Cash Back Platinum has also got you covered with exclusive healthcare packages carefully selected to help you maintain your health. With twenty participating hospitals throughout Malaysia, Citibank has got you protected.

These offers include 20% discount on all Executive Screening Packages (excluding medical officers and specialists' consultation fees) and 15% discount on all walk-in hospital room rates (from RM120 and above).

Spend More, Get More

To apply for Citi Cash Back Platinum credit card, you need to be at least 21 years old with a minimum annual income of RM60,000. Annual fee is set at RM206.70, inclusive of 6% GST. However, this can be easily offset with the cash back received from daily spending.

This credit card makes it so easy to get cash back as it is tailored to reward cardholders on all categories of spending. Its philosophy is simple – the more you spend, the more cash back you will earn.

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