Citibank Cash Back Platinum credit card

Citibank Cash Back Platinum

Up to 5% cash back 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
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM206.70 annual fee

Citibank Credit Card

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Apply online now for Citibank Cash Back Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 5% cash back 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 Citibank Cash Back Platinum
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendany amount monthly5%RM20any amount monthly
PharmaceuticalSpendany amount in a single receipt2%uncappedany amount in a single receipt
GroceriesSpendup to RM3000 monthly2%RM60up to RM3000 monthly
TelcoSpendany amount in a single receipt2%uncappedany amount in a single receipt
Other RetailSpendany amount0.2%uncappedany amount
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
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. 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 5% cashback on petrol spending at any petrol station. Cashback is capped at RM20 per month.
Travel
With Citibank World Privileges, your Citibank 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.
Premium
With your Citibank 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 Citibank 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

*inclusive of 6% GST

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.

Citibank 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, Citibank 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

Citibank Cash Back Platinum rewards its cardholders based on a tiered cash back system. Cardholders will receive 5% cash back on petrol spending at any petrol station. Total cash back for petrol is capped at RM20 per month.

For groceries purchases charged to this credit card, a 2% cash back is awarded with a maximum amount of RM60 per month. The 2% cash back rate is also applied to telecommunication transactions at Maxis and Digi, meanwhile you earn 0.2% cash back from Celcom bill payment via Citibank Online. Besides that, pharmacy spending at Guardian, Watson and Caring is awarded for 2% cash back. For all other expenditure charged to this credit card, you will receive 0.2% cash back. Cardholders can potentially earn over RM1000 cash rebates per year with this cash back system.

Balance Transfer

Citibank 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 Citibank 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

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

Spend More, Get More

To apply for Citibank Cash Back Platinum credit card, you need to be at least 21 years old with a minimum annual income of RM60000. 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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