Citibank CitiBusiness credit card

Citibank CitiBusiness

Experience higher purchasing power to get your business going further!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM212.00 annual fee
  • Earn up to 1.5x reward point 

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Get 1.5X Citibank Reward Points for every Ringgit you spend. Exchange points for gifts and prizes from the Rewards Catalogue, or redeem business specific items for your company.
Citibank Reward Points
EarnSpent
1.5 points on every RM1on all retail expenses
Rewards points earned never expires
Balance Transfer
Citibank Balance Transfer offers 3.99% interest on a 7-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 9.84%. Zero interest instalment on 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
Premium
Higher business-size credit lines (up to RM250,000) to cater to your every growing business needs. Supplementary business credit cards for your directors and trusted employees for their business expenses. Set individual employee credit limits giving you better financial control over business expenses. You can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM212.00
  • Waived when you swipe 3 times within 60 days of approval.
Annual Fee for Supplementary Card
RM106.00
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM19.08 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 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.