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Citi Business Platinum Card

Citi Business Platinum Card

Citi Business Platinum Card is a great choice for balancing your business and lifestyle needs. Earn unlimited 1.2% cash back on overseas spending and 0.5% on local spending, including complimentary insurance coverage.

Interest Rate

15.0% p.a.

Balance Transfer

2.99% p.a.


up to 1.2%

Annual Fee

RM 212.00

Cash back
Unlimited Cash Back

Receive 1.2% cash back on overseas spending and 0.5% cash back on local spending with absolutely no limit!

Travel protection
Complimentary Travel Protection Plan

Receive Personal Accident Insurance with coverage of up to RM1,000,000, and Travel Inconvenience Coverage that covers missed flight connections, flight delays, and baggage delays, loss, and damage.

20 days Interest-Free Period

Pay zero interest for retail transactions if payment is made within 20 days (only if all retail transactions for the previous month are paid for by the due date).


Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Overseas Spending 1.2% Uncapped Any amount monthly
Local Spending 0.5 Uncapped Any amount monthly

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
9 months 2.99% p.a. with no one time upfront handling fee RM 1,000

Fees and Charges

Annual fee RM212
Annual Fee for Supplementary Card RM 106
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.


Minimum Annual Income RM 48,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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