Min. Monthly Income
- Up to 5% cash back on all retail spending
- Purchase protection with coverage of up RM30,000 for 30 days
Complimentary 20” limited edition Condotti Superlight ABS Luggage Bag or Multipurpose Sports Digital Video Camera 1080p Full HD
- Just spend minimum RM1,500 within 60 days on your new credit card to qualify!
- Promotion ends 31 December 2017
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Most Cash Back All Year Long
Citi Cash Back credit card keep giving you golden opportunity to enjoy several benefits that fits in your daily life. The main features of this card are Flexi payment plan, the cash advance and the balance transfer. You can get up to 5% cashback on your retail spending every day and no minimum spending is required. You can lead your luxurious life with Citibank World Privileges discounts at over 24,000 hotels, restaurants, boutiques, retail outlets and golf clubs worldwide and also 24-hour personal concierge service while travelling. To maintain a good health and to look after your well-being, there is a 20% discount on healthcare packages at 20 participating hospitals including KPJ and 15% discount on room rates. Furthermore, you can protect yourself with the protection plan that covers travel accident insurance, purchase protection and reimbursement for unsatisfied purchases (for items that do not meet merchant’s refund policy). Not only that, get your monthly bill payments (Maxis, Digi, Celcom, Astro, utilities and more) charged to your Citi Cash Back credit card and never lose track of your monthly bills while earning rebates on the payment made. To transfer to this card from your existing credit card, there is a balance transfer programme of 2.99% per annum for a tenure of 9 months.
Fees and Charges
The annual fee is RM127.20 for principal card holders and RM63.60 for supplementary card holders (including 6% GST). If you are unable to pay off your whole outstanding amount that you have used, you have a choice to make at least a minimum payment of RM50 or 5% of your outstanding amount. You will be charged late payment fee of RM10 or 1% outstanding amount, up to a maximum of RM100 if you have failed to make your payments on time or before the due date of your payment. The free interest period is 20 days from the statement date and it is applicable only for card member who pays in full on or before the payment due date. Besides that, for cash withdrawal you will be charged RM20 or 5% of withdrawn amount as cash withdrawal fees. The interest rate is based on 18% for cash withdrawals. Furthermore, if the cardholders of Citi Cash Back make prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months will enjoy the interest rate of 15% per annum. For those who make prompt payments of at least 10 out of 12 months will enjoy the interest rate of 17% per annum and interest rate of 18% per annum if the above are not met.
Are You Eligible For The Citi Cash Back Card?
Anybody can apply for the Citi Cash Back Card if you are earning a minimum monthly income of RM3,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.
Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citibank Shell Citi Gold Credit Card and HSBC Amanah MPower Platinum Credit Card-i, which may match your requirements.
If you prefer to broaden your credit card search, review more Citi credit cards and start comparing today!