• Min. Monthly Income

    RM3,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    5.33% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Up to 10% Cash Back on dining, groceries, petrol and GRAB rides
  • Unlimited 0.2% Cash Back on other retail spend
  • Minimum spend of RM500 required to earn up to 10% cashback per month
Petrol
8.5/10
Groceries
8.5/10
Dining
8.5/10
Utilities
7.5/10
Shopping
7.5/10

Promotion

Activate within 60 days of approval and get a 20" Condotti Trolley bag

  • Activate within 60 days of approval and get a 20" Condotti Trolley bag
  • within atleast eight (8) retail spend within 60 days
  • Valid for new citi card members who apply online.
  • Promotion ends 31 Dec 2019

Petrol

  • Up to 10% cashback per month

Groceries

  • Up to 10% cashback per month at Giant, AEON Big, Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin

Dining

  • Up to 10% cashback per month

Utilities

  • Unlimited 0.2% Cash Back per month

Shopping

  • Unlimited 0.2% Cash Back per month

Other Features

  • GRAB ride discount

    • Up to 10% cashback per month

  • 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)

  • 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 RM3,000.00
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)

RM25 will be imposed for principal and supplementary credit cards on the card approval date and on the anniversary of your card approval date for every year

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

RM10 per category per billing month

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. You can get up to 10% cashback on dining, groceries, petrol and GRAB rides with 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. 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 on the payment made.

Fees and Charges

The annual fee is RM120 for principal card holders and RM60 for supplementary card holders. 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!

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi Simplicity+ Credit Card and AmBank True Visa Credit Card, which may match your requirements.

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

*Citi Credit Card Online Card Acquisition Promotion Terms and Conditions apply
Sign-up period: 01 Jan 2019 – 31 Dec 2019