Because you should be rewarded for giving the bank your business
- Earn up to 2% cashback on any retail purchases. Cashback capped at RM500 per year.
Discover how much you can save when you shop with your new Citibank Cash Back Silver
|Cashback Category||Cashback Rate||Monthly Cap||Spend|
| ||Spendup to RM2000||0.4%||RM8||up to RM2000|
| ||Spendfrom RM2001 up to RM5000||1.5%||RM75||from RM2001 up to RM5000|
| ||Spendfrom RM5000 and above||2%||uncapped||from RM5000 and above|
- Balance Transfer
- Citibank Balance Transfer offers 8.99% interest on a 12 month payment term.
Learn more about Citibank Balance Transfer Plan
|Pay Over||With Interest Rate At||When You Transfer|
|6 months||0.99% p.a. and no one-time upfront handling fee||from RM2000 |
|9 months||8.99% p.a. and no one-time upfront handling fee||from RM1000 |
- Easy Payment Plan (EPP)
- Citibank Flexi Payment Plan offers payment terms of 6 to 36 months on any retail purchases at interest rates from 9.96%.
Learn more about Citibank Flexi Payment Plan
|Pay Over||With Interest Rate At||When You Spend|
|6 months||10.57% p.a. and no one-time upfront handling fee||from RM500 |
|12 months||9.96% p.a. and no one-time upfront handling fee||from RM500 |
|18 months||9.84% p.a. and no one-time upfront handling fee||from RM500 |
|24 months||9.85% p.a. and no one-time upfront handling fee||from RM500 |
|30 months||9.91% p.a. and no one-time upfront handling fee||from RM500 |
|36 months||9.99% p.a. and no one-time upfront handling fee||from RM500 |
- Low Interest Rate
- Best value 8.88% APR interest rate.
Fees & Charges
There are always fees but how much are they?
- Annual Fee
- First 2 years free
- Waived when 6 swipes every 60 days
- Annual Fee for Supplementary Card
- 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- RM21.20 or 5.30% of withdrawn amount, whichever is higher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
All fees & charges are inclusive of 6% GST if applicable
Are you eligible for this credit card?
- Minimum annual income
- Minimum age for primary card holder
- 21 years old
- Minimum age for supplementary card holder
- 18 years old
- Who can Apply
Get some extra help from your credit card when you need it most
- Easy Payment 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.