Citi Cash Back Platinum Card by Citibank

Product Highlights

Up to 10% Cash Back

Earn up to 10% Cash Back on dining, groceries, petrol and GRAB rides plus unlimited 0.2% Cash Back on other retail spend.

Citibank World Privileges

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.

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).

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Petrol	10%	RM 15	RM 1,500 and above
Grocery	10%	RM 15	RM 1,500 and above
Dining	10%	RM 15	RM 1,500 and above
Grab Rides	10%	RM 15	RM 1,500 and above
Other Retails	0.2%	RM 3	RM 1,500 and below

Balance Transfer

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

Flexi Payment Plan

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

Fees and Charges

Annual Fee For Primary Card	RM 195
Annual Fee For Supplementary Card	RM 100
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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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.

Interest Rate

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

Requirements

Minimum Annual Income	RM 60,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for Citi Cash Back Platinum Card by Citibank