Citi Business Signature Card by Citibank

Product Highlights

Up to 0.75% cash back

Earn 0.2% to 0.75% cash back on selected and utility spend.

Comprehensisve Expense Reporting

Enjoy manual expense processing and time saving single payment solution.

Complimentary Corporate Liability Waiver Insurance

Get full corporate liability and other benefits for your company.

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Selected Retail Spends	0.75%	-	Any amount monthly
On Utilities	0.2%	-	Any amount monthly

Balance Transfer

Balance transfer

Pay Over	With Interest Rate At	When You Transfer
12 Months	8.99% p.a. with no one-time upfront handling fee	From RM 1,000

Flexi Payment Plan

Pay Over	With Interest Rate At	When You Spend
6 Months	10.57% p.a. with no one-time upfront handling fee	From RM 500
12 Months	9.96% p.a. with no one-time upfront handling fee	From RM 500
18 Months	9.84% p.a. with no one-time upfront handling fee	From RM 500
24 Months	9.85% p.a. with no one-time upfront handling fee	From RM 500
30 Months	9.91% p.a. with no one-time upfront handling fee	From RM 500
36 Months	9.99% p.a. with no one-time upfront handling fee	From RM 500

Fees and Charges

Annual Fee For Primary Card	Free*
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	-
Late Payment Fee	RM 50 or 3.5% of the outstanding amount, whichever is higher
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*Daily Maximum Cash Withdrawl Up to RM 10,000

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	-
Who Can Apply	Any Business