Citibank Cash Back Silver credit card

Citibank Cash Back Silver

Get cash back from all your purchases. Enjoy automatic cash back of up to 2% every month.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • up to 2% cashback
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM95.40 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
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 CategoryCashback RateMonthly CapSpend
 Spendup to RM20000.4%RM8up to RM2000
 Spendfrom RM2001 up to RM50001.5%RM75from RM2001 up to RM5000
 Spendfrom RM5000 and above2%uncappedfrom RM5000 and above
Balance Transfer
Citibank Balance Transfer offers 8.99% interest on a 12 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 on any retail purchases at interest rates from 9.96%.
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
Low Interest Rate
Best value 8.88% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM95.40
  • First 2 years free
  • Waived when 6 swipes every 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RM21.20 or 5.30% of withdrawn amount, whichever is higher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%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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.