Citibank Cash Back Credit Card

Citibank Cash Back Credit Card

Enjoy up to 5% cash back on all your purchases with no minimum spend!

Interest Rate

From 15.0% p.a.

Balance Transfer

2.99% p.a.


up to 5.0%

Annual Fee


Condotti Luggage Bag or Multipurpose Sports Digital Video Camera

Get a 20” Limited Edition Condotti Luggage with Swarovski® Crystals worth RM 699 for free!

All you have to do is spend a minimum of RM 1,500 within 60 days of card activation!

*Terms & Conditions apply
Cash back

Up to 5% Cash Back

Earn up to 5% cash back on all spending, with no minimum spend required!


Citibank World Privileges

Enjoy discounts and special privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more! Visit to learn more.


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 Category Cash back Rate Monthly Cap Spend
Groceries 2% RM 30 Up to RM1,500
Petrol 5% RM 15 Any amount monthly
Pharmaceutical 2% Uncapped Any amount 
Telco 2% Uncapped Any amount in a single receipt
Other retail 0.2% Uncapped Any amount

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 RM127.20 but waived when you swipe 3 times within 60 days of approval.
Annual Fee for Supplementary Card RM 63.60
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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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 36,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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