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 https://www.citiworldprivileges.com/ 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 Category||Cash back Rate||Monthly Cap||Spend|
|Groceries||2%||RM 30||Up to RM1,500|
|Petrol||5%||RM 15||Any amount monthly|
|Telco||2%||Uncapped||Any amount in a single receipt|
|Other retail||0.2%||Uncapped||Any amount|
|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|Cash withdrawal fee||RM21.20 or 5.30% of withdrawn amount, whichever is higher|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%|
|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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