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Citibank Cash Back Platinum

Citibank Cash Back Platinum

Citibank Cash Back Platinum

Get up to 5% cash back on all retail spending, on top of purchase protection of RM30,000 for 30 days!

Interest Rate

From 15.0% p.a.

Balance Transfer

2.99% p.a.


up to 5.0%

Annual Fee


Cash back
5% Cash Back

Earn up to 5% cash back on all retail spending including petrol, groceries, phone bills, medical expenses, and many more.

Citibank World Privileges

Get discounts and special privileges at over 24,000 hotels, restaurants, retail outlets, golf clubs, and more. On top of that, you get free travel insurance and a 24-hour personal concierge service too!


Enjoy up to 20% discount on exclusive healthcare packages at participating hospitals and a 15% discount on all walk-in hospital room rates.


Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Groceries 2% RM 60 Up to RM6,000 monthly
Petrol 5% RM 20 Any amount monthly
Pharmaceutical 2% uncapped Any amount in a single receipt
Telco 2% Uncapped Any amount in a single receipt
Other retail 0.2% Uncapped Any amount

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

Citibank Easy Pay

Easy payment
Pay Over With Interest Rate At When You Spend
36 months 0% one time upfront handling fee Upwards of RM 500
  • Citibank's Easy Pay Plan allows you to make purchases with 0% installments!
  • Visit to learn more.

Fees and Charges

Annual fee RM206.70 but waived when you swipe 3 times within 60 days of card approval
Annual Fee for Supplementary Card RM 106.00
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Cash withdrawal fee RM21.20 or 5.3% of withdrawn amount, whichever is higher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 60,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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