With a Citi Cash Back Card, you earn more cash back from categories and merchants that you love! The more you spend, the more rebates you earn on your Citi Cash Back Card!
Earn up to 10% Cash Back on dining, groceries, petrol and GRAB rides plus unlimited 0.2% Cash Back on other retail spend.
Enjoy discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more. Best of all, these privileges are available to you all over the world.
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 Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| Petrol | 10% | RM 10 | RM 500 and above |
| Grocery | 10% | RM 10 | RM 500 and above |
| Dining | 10% | RM 10 | RM 500 and above |
| Grab Rides | 10% | RM 10 | RM 500 and above |
| Other Retails | 0.2% | RM 3 | RM 500 and below |
| 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 |
| 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 |
| Annual Fee For Primary Card | RM 120 |
|---|---|
| Annual Fee For Supplementary Card | RM 60 |
| Minimum Monthly Payment | RM 50 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100 |
| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% p.a. |
| 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 |
| Minimum Annual Income | RM 36,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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