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!

Citi Cash Back PlatinumUp to 10% Cashback!
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

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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.

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
Grab Rides10%RM15from RM1,500 and above monthly
Other Retail Spends0.2%uncappedany amount monthly

Petrol

Earn up to 10% cashback on petrol when you spend with Citi Cash Back Platinum, 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

Enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health and 24-hour concierge service exclusively for Citi Cash Back Platinum cardmembers.

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 Flexi Payment Plan offers payment terms of 6 to 36 months with flat interest rates. Enjoy interest free for purchases at participating merchants.

Citibank Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM500
12 months9.96% p.a. and no one-time upfront handling feeRM500
18 months9.84% p.a. and no one-time upfront handling feeRM500
24 months9.85% p.a. and no one-time upfront handling feeRM500
30 months9.91% p.a. and no one-time upfront handling feeRM500
36 months9.99% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Flexi Payment Plan
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%
Contact-less Payment Methods
Visa payWave

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 Flexi Payment Plan
Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.
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

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 Promotion

Simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. for 12 months, with a minimum balance transfer of RM1,000.

Should you want to stretch your repayment capacity up to 36 months, you can apply for Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.

Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero fees - zero upfront fee, zero processing fee and zero early settlement fee, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000.

Just apply for a Citibank credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.

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).

Easy Bill Payments

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