Citi Cash Back Platinum credit card

Citi Cash Back Platinum

Spend and save with Citi Cash Back Platinum credit card and earn up to 10% cashback on petrol, groceries, dining and even Grab rides!

  • 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)
  • RM206.70 annual fee

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

Apply online now for Citi Cash Back Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 10% cashback when you spend a total of RM1,500 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 Platinum
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendfrom RM1500 and above monthly10%RM15from RM1500 and above monthly
GroceriesSpendfrom RM1500 and above monthly10%RM15from RM1500 and above monthly
DiningSpendfrom RM1500 and above monthly10%RM15from RM1500 and above monthly
Grab RidesSpendfrom RM1500 and above monthly10%RM15from RM1500 and above 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
Petrol
Earn up to 10% cashback on petrol, dining, Grab rides and groceries when you spend with Citi Cash Back Platinum. Cashback is capped at RM15 per month.
Travel
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.
Premium
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
RM206.70
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
RM106.00
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
payWave

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM60000
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 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 10% Cashback

Citi Cash Back Platinum 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 RM60 cashback per month is to spend a minimum of RM1,500 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 RM1,500, you will still earn 0.2% cashback on all categories.

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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