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Citi Cash Back Credit Card

Citi Cash Back Credit Card

 

  • Up to 10% Cash Back on dining, groceries, petrol and GRAB rides
  • Unlimited 0.2% cash back on other retail spend
  • Automatic cash back into your account
Minimum Monthly Income
Minimum Monthly Income

RM 3

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

9.99% p.a for 12 months

Annual Fee
Annual Fee

RM 120.00, RM195.00 for Platinum card

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback

Cash Back rate for Cash Back Card

Categories Minimum Monthly Spending Monthly Cash Back Rate* Monthly Cash Back Capped Amount
Petrol RM1,000




10% RM10
Groceries 10% RM10
Dining 10% RM10
GRAB rides 10% RM10
Others retail spend 0.2% Unlimited
* 0.2% cash back on Petrol, Groceries, Dining, Grab rides and all other retail spend is applicable if total accumulate spending is below minimum monthly spending amount.


Cash Back rate for Cash Back Platinum Card

Categories Minimum Monthly Spending Monthly Cash Back rate* Cash Back Capped Amount
Petrol RM1,500




10% RM15
Groceries 10% RM15
Dining 10% RM15
GRAB rides 10% RM15
Others retail spend 0.2% Unlimited
* 0.2% cash back on Petrol, Groceries, Dining, Grab rides and all other retail spend is applicable if total accumulate spending is below minimum monthly spending amount.


 
Balance Transfer
  • Flexible monthly instalment tenure of 6, 9, 12, 18, 24, 30 or 36 months
  • Flat Interest Rate between 5.32% - 5.81% p.a. which is equivalent to Effective Interest Rate (EIR) of 9.9% p.a.

Citibank Balance Transfer via instalment

Tenure (Month) 6 9 12 18 24 30 36
Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Flat interest rate equivalent by tenure 5.81% 5.56% 5.44% 5.35% 5.32% 5.32% 5.33%
Monthly Repayment (RM) 171.52 115.75 87.87 60.02 46.10 37.77 32.23

 

 

  • Flexible monthly repayments with a minimum 5% monthly repayment of total outstanding balances.
  • Effective interest rate of 8.99% p.a. for 12 months (equivalent to monthly interest rate of 0.749%).

Citibank Balance Transfer

Outstanding Balance (RM)

Normal Finance Charge at

18% p.a. for 12 months (RM)*

Balance Transfer at

8.99% p.a. for 12 months

(RM)**

    You PAY You SAVE
4,000 594 286 308
8,000 1188 572 616

Important Notes :

* Accumulated amount of interest charges incurred in a total of 12 months based on 18%p.a. with a 5% monthly payment on due date.

** Accumulated amount of interest charges incurred in a total of 12 months based on 8.99% p.a. for 12 months.

Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months and new cardmembers
FEES & CHARGES
Annual fee RM 120.00, RM195.00 for Platinum card
Annual fee for suplementary card RM 60.00, RM100.00 for Platinum card
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% of the unpaid outstanding balance or a minimum of RM10, whichever is greater, up to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% per annum daily interest
Balance transfer interest rate 9.99% p.a for 12 months
Balance transfer max valid duration Up to 36 months
Balance transfer early settlement penalty Full settlement has to be made

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