• Min. Monthly Income

    RM3,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    RM127.2

Feature Highlights
  • Up to 5% cash back on all retail spending
  • Purchase protection with coverage of up RM30,000 for 30 days
Petrol
10/10
Groceries
7.3/10
Insurance / Health
7.3/10
Utilities
7.3/10
Shopping
5.5/10

Promotion

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

Petrol

  • Rebat tunai sehingga 5% sebulan

Groceries

  • Up to 2% cashback per month at Giant, AEON Big (formerly known as Carrefour), Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin

Insurance / Health

  • Up to 2% cashback per month at Guardians, Watsons and Caring

Utilities

  • Maxis / DiGi bill: Up to 2% cashback per month
  • Celcom bill: Up to 0.2% cashback per month
  • Astro bill: Up to 0.2% cashback per month
  • Municipal council bill: Up to 0.2% cashback per month

Shopping

  • Up to 0.2% cashback per month.

Other Features

  • Travel, dining, and entertainment

    • Discount and privileges at over 24,000 hotels, restaurants, and golf clubs

  • Healthcare

    • Up to 20% off on healthcare packages at 20 participating hospitals including KPJ
    • 2% cash rebate on all spending in Guardian, Watson and Caring pharmacies.
    • 15% discount on all walk-in hospital room rates (from RM120 and above)

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM100,000
    • Purchase protection up to 30 days on eligible purchases:
      - Reimbursement of up to 50% bill amount up to a maximum of RM12,000 per item or RM30,000 per occurrence of lost, stolen, or damaged items
      - Reimbursement of up to RM1,500 per item or RM6,000 per occurrence for unsatisfied purchases (for items which do not meet merchant’s refund policy)

  • Balance Transfer

    • 2.99% per annum for a tenure of 9 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM127.2
Min. Monthly Income RM3,000
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

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

A minimum of RM10 or 1% of total outstanding balance as at statement date (whichever is higher), 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% of cash advance amount

Cashback Limit

RM30 for groceries, RM15 for petrol

Rewards points expiry

N/A

Product Review by iMoney Malaysia

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!