• Min. Monthly Income

    RM4,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.33% p.a.

  • Annual Fee

    Free

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Feature Highlights
  • Up to 1.2% cash back on overseas spend
  • Up to 0.5% cash back on local spend (excluding petrol and government charges)
  • Personal Accident Insurance with coverage of up to RM1,000,000 and Travel Inconvenience Coverage
Travel
8/10
Entertainment
5.8/10
Groceries
5.8/10
Shopping
5.8/10
Dining
5.8/10

Travel

  • 1.2% cash back on overseas spend
  • 0.5% cash back on local spend

Entertainment

  • 1.2% cash back on overseas spend
  • 0.5% cash back on local spend

Groceries

  • 1.2% cash back on overseas spend
  • 0.5% cash back on local spend

Shopping

  • 1.2% cash back on overseas spend
  • 0.5% cash back on local spend

Dining

  • 1.2% cash back on overseas spend
  • 0.5% cash back on local spend

Other Features

  • Travel

    • Hotel deals and offers

  • Dining

    • 20% off total food bill at selected restaurants

    • Complimentary wine/dessert with a minimum spend of RM500 in a single receipt at selected restaurants

  • Protection Plan

    • Personal Accident Insurance with coverage of up to RM1,000,000

    • Travel Inconvenience Coverage covering flight delays, missed flight connection, and baggage delay, loss, and damage

  • Balance Transfer via Installment

    • Flexible Monthly Installments with flat Interest Rate between 5.32 to 5.81% p.a

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (3 years Annual Fee Waiver (Limited offer))
Min. Monthly Income RM4,000.00
Min. age for principal holder

21 and above
Min. age for supplementary holder

18 and above
Fee for supplementary holder 100
Finance charges 15% p.a. – prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months

17% p.a. – prompt payment of at least 10 out of 12 months

18% p.a. – if the above are not met
Sales and Services Tax (SST)

0% on annual fee and other charges
Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount

RM5,000 daily
Cash advance charge

5% of cash amount (min RM 20) and 18% per annum daily interest
Cash advance interest charge

18% p.a compounding basis
Cashback Limit
Rewards points expiry

Product Review by iMoney Malaysia

Earn Cash Back Wherever You Go

Citi Business Platinum card is specially designed for Business people and working professionals. This card recognizes the top business executive lifestyle needs. Whenever you spend you earn cashback for business or leisure, locally or abroad. With this card, you get 1.2% cashback on overseas spending and up to 0.5% on local spending with the exception of petrol and government charges, and what’s best about it is the cashback is redeemable anytime and it never expires! Since, the cashback is redeemable at any time and it never expires, you can accumulate a larger amount to redeem. Other than hotel deals and offers, you will get to enjoy the 20% off total food bill when you dine and complimentary wine/dessert with a minimum spend of RM500 in a single receipt at selected restaurants. Furthermore, this card offers you a complimentary travel insurance so get yourself protected with the protection plan offered by Citibank after you own your Citi Business Platinum card that includes personal accident insurance with coverage of up to RM1,000,000 and travel inconvenience coverage which covers flight delays, missed flight connection, and baggage delays, loss, and damage. Besides that, the cardholder can do a balance transfer via Installment and enjoy the flat Interest Rate between 5.32 to 5.81% p.a

Fees and Charges

The annual fee is RM200 for principal card holders and RM100 for supplementary card holders. You will have a choice to make a minimum payment of your outstanding if you are unable to make full payment of your credit card. You can make a minimum payment of RM50 or 5% of outstanding amount. If you failed to make your credit card payments on time, you will be charged a late payment fee of RM10 or 1% of outstanding amount, up to a maximum of RM100. Besides that, when you do a cash withdrawal you will be charged with a fees of RM20 or 5% of withdrawn amount. If you make monthly prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months you will be charged based on 15% per annum, if your payments are prompt of at least 10 out of 12 months you will be based on 17% per annum and if the above are not met you will charged 18% per annum.

Are You Eligible For The Citi Business Platinum Card?

You are eligible to apply for Citi Business Platinum Card if your minimum monthly income is RM4,000 and to be at least 21 years old for principal card holder and at least 18 years old for supplementary card holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citibank CitiBusiness Credit Card and RHB Platinum Business Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Citibank credit cards and start comparing today!