Citi Cash Back Visa

10% on petrol, dining, groceries, Grab rides with a min spend of RM500 a month on Citi Cash Back Credit Card. Enjoy more savings with Citi World Privileges.

Citi Cash Back Visa10% cashback every month
Min. Income
Annual Fee
up to 10%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Google Home Hub + Chromecast 3
worth RM700
when you apply through RinggitPlus3
*Valid for new Citibank cardmember only

Google Home Hub + Chromecast 3


Spend RM500 and above every month and get 10% cashback on petrol, groceries, dining and Grab rides. Any other spends earn you 0.2% cashback.

Cashback categoryCashback rateMonthly capSpend
Petrol10%RM10from RM500 and above monthly
Groceries10%RM10from RM500 and above monthly
Dining10%RM10from RM500 and above monthly
Grab Rides10%RM10from RM500 and above monthly
Other Retail Spends0.2%uncappedany amount monthly


Earn 10% cashback on petrol when you spend more than RM500 with Citi Cash Back Card, capped at RM15 per month.

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. 0% interest for instalment up to 36 months when you make purchases at participating merchants.

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
Contact-less Payment Methods
Visa payWave


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


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.


Highlights of Citi Cash Back Visa

Citi Cash Back Visa
Highest cashback rate 10% cashback with a total monthly spend of RM500 and above
Highest cashback amount RM10 per month
Max spend to earn highest cashback amount RM100 per month
Eligible spend to earn highest cashback rate Dining and all retail purchases
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 pre-registration and no minimum spending is required. Your cashback is automatically credited into your account.


 Enjoy 10% Cash Back

Citi Cash Back Credit Card 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 RM10 cashback per month is to spend a minimum of RM500 on your cashback credit card.


Citi Cash Back Visa Cashback
Category Cashback Condition
Petrol (all stations nationwide) 10% Spend RM500 and above (monthly)


  • AEON BiG
  • Tesco
  • Cold Storage
  • Giant
  • Everise
  • Servay
  • Econsave
  • Mydin
  • Ben’s Independent Grocer (B.I.G.)
  • Jaya Grocer
  • Village Grocer
10% Spend RM500 and above (monthly)
Dining 10% Spend RM500 and above (monthly)
Grab Rides 10% Spend RM500 and above (monthly)
Other Retail Spends 0.2% No minimum spend


Citi Cash Back Visa Benefits


Citi Cash Back Visa Benefits

Citibank World Privileges

Deals and discounts all over the world for:

  • Hotels
  • Restaurants
  • Golf resorts
  • Shopping malls

The Coffee Bean & Tea Leaf 

15% off for beverages


5% off

Hotel Dining

Up to 20% off


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 Visa.

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 Visa 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


Citi Cash Back Visa 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