Overview
Enjoy cash back of up to 3.88% on all your purchases with the new Citibank Cash Back Gold credit card
The new Citibank Cash Back Gold credit card automatically gives you between 0.50% to 3.88% in cash back every month to help you reduce your credit card bills. Earn this for every puchase you make anytime, anywhere!
Here are the Cash Back tiers at a glance:
Carried Forward Balance1
Cash Back Rate
RM5,000 or less
0.50%
RM5,001 - RM10,000
2.00%
More than RM10,000
3.88%
A simple example of the Cash Back payout structure is as follows:
Carried Forward Balance
RM0
RM8,000
RM12,000
Spending2 for the current month3
RM5,000
RM5,000
RM5,000
Cash Back rate (as determined by the carried forward balance)
0.50%
2.00%
3.88%
Cash Back earned and reflected in current statement4
RM25
RM100
RM194
1.
Your previous statement balance less all payments in your current statement.
2.
Spending means retail and cash advances (excluding fees and charges) less all credit entries (excluding payments).
3.
Month means a period of 1 month calculated from one statement date to the next statement date.
4.
Cash Back earned and reflected in the current statement will only be
automatically credited into your account in the following month.
You'll also benefit from personalised assistance whenever you need it with Citibank's 24-hour Gold-On-Call Assistance. These privileges include:
Citibank World Privileges allows you preferential treatment and discounts of up to 55% at over 25,000 establishments, worldwide.
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We'll also organize flowers and gift delivery for you at discount of up to 20% within Malaysia. All this, only with your Cash Back Gold Card. Of Course.
Points to note:
* Redemption would be done automatically on a monthly basis as a credit in your statement (subject to the following conditions being met).
* Cash Back shall be awarded when the accumulated cash back for the particular month reaches RM10. Cash Back shall however be carried forward to the next month if the minimum of RM10 is not met.
* The amount of cash back which may be awarded to the cardmember in the period of one (1) year calculated from the date of the first Statement and for every subsequent year shall in the aggregate be subject to the maximum limit of RM1,000.
* Amounts incurred in respect of any Balance Transfer, Loan On Phone, Flexi Payment Plan & Petrol Spend will not be taken into consideration in the calculation of the amount of cash back to be awarded.
FREE Annual Fee up to 2 years
* Just use your card 6 times within 60 days to enjoy a 2-year annual fee waiver OR 3 times within 60 days to enjoy a 1-year annual fee waiver
