Citibank Cash Back Credit Card credit card

Citibank Cash Back Credit Card

Get attractive cash back of up to 5% on all your purchases including petrol and groceries everyday. There's no minimum spend required!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM127.20 annual fee

Citibank Credit Card

Get a Compimentary Portable Garment Steamer with Your New Citibank Credit Cards

Apply online now for Citibank Cash Back Credit Card

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get up to 5% cash rebate on all your spending. Get attractive rates whether you're at the petrol station, buying groceries, or paying for your utility bills. No minimum spend needed.
Discover how much you can save when you shop with your new Citibank Cash Back Credit Card
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendany amount monthly5%RM15any amount monthly
PharmaceuticalSpendany amount2%uncappedany amount
GroceriesSpendup to RM15002%RM30up to RM1500
TelcoSpendany amount in a single receipt2%uncappedany amount in a single receipt
Other RetailSpendany amount0.2%uncappedany amount
Balance Transfer
For a limited time only, Citibank Balance Transfer offers 0.99% interest per annum for a 6-month period.
Pay OverWith Interest Rate AtWhen You Transfer
9 months2.99% 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. 0% interest for instalment up to 36 months when you make 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 months10.63% p.a. and no one-time upfront handling feefrom RM500 
12 months10.02% p.a. and no one-time upfront handling feefrom RM500 
18 months9.9% p.a. and no one-time upfront handling feefrom RM500 
24 months9.91% p.a. and no one-time upfront handling feefrom RM500 
30 months9.97% p.a. and no one-time upfront handling feefrom RM500 
36 months10.05% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan
Travel
With Citibank World Privileges, your will be entitled to discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more the world over!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM127.20
  • Free for first year when you swipe 3 times within 60 days
Annual Fee for Supplementary Card
RM63.60
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

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
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.

Citibank Cash Back Credit Card review

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

You don't have to wait for specific days or special promotions to enjoy the most cash back from your credit card purchases anymore. No pre-registration and no minimum spending is required. Your cash back is automatically credited into your account.

Enjoy 5% Cash Back

Citibank Cash Back Credit Card rewards its cardholders for all their daily spending such as petrol and groceries. For pumping fuel at the petrol station, you will get 5% cash back.

For everyday groceries, and telecommunication transactions charged to Maxis or Digi, you will receive up to 2% cash back. Meanwhile, your Celcom bill payment via Citibank Online gives you 0.2% cash back. Don't splurge too much at your local supermarket, as your grocery cash rebates will be capped at RM30 every month.

Worldwide Privileges

With Citibank World Privileges, you'll be getting a lifestyle upgrade when you are a Citibank Cash Back Credit Card member. Have the privilege of having deals and discounts all over the world for hotels, restaurants, golf resorts, and at the shopping mall.

If you're an avid traveller but just a little bit too concerned about your budget, having a credit card that gives you savings on your travels might just be the thing that you need.

Healthcare Packages

Concerned about your health? Honestly, who wouldn't want to be fit and healthy! With your Citibank Cash Back Credit Card, there's great savings to be had with exclusive healthcare packages crafted to help maintain your health and your finances.

Enjoy 20% discount on Executive Screening Packages, and an extra 15% off on all walk-in hospital room rates, for those priced RM120 and above at 20 participating hospitals all over Malaysia.

Easy Bill Payments

Charge your recurring utility bills to your Cash Back Credit Card 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 electric bills, phone bills, and Astro bill.

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