Citibank Cash Back Gold Credit Card

Get cash back from all your purchases.

Enjoy automatic cash back of up to 3.88% every month.

 
   
     
 

Citibank Gold On Call Assistance Terms and Conditions
As used herein, the word "Gold Card" means all Citibank Gold credit cards issued by Citibank Berhad ("Citibank") and "Gold Cardholder" shall mean the holder of a Gold Card.
  1. Citibank is making available to the Gold Cardholders through CitiPhone access to the following merchants ("Services"):-
    1. Asia Assistance Network Sdn Bhd (470560-A)
    2. Holiday Tours & Travel Sdn Bhd (23070-H)
    3. any other merchant of products and/or services as Citibank may from time to time add or remove.
  2. When a Gold Cardholder wishes to purchase or utilize any of the products and services offered by any of the merchants referred to in Paragraph 1 above ("Merchant"), he/she may call CitiPhone and CitiPhone will re-direct the call to the relevant Merchant.
  3. Payment for all products and services which requires payment from the Gold Cardholder shall be charged to the Gold Card.
  4. Offers are valid provided payment is made via a Gold Card
  5. By providing the Services,
    • Citibank does not accept any liability whatsoever (including negligence) with respect to or in connection with the products and services supplied. The rights, if any, which the cardholder may have in connection with the products and services are solely against the relevant merchant of the products and services;
    • Citibank does not accept any liability with respect to death or injury or consequential loss or damage of whatever nature and howsoever arising from the supply of the products and/or the performance of the services by the relevant Merchant including but not limited to consequential damages;
    • Citibank gives no representation or warranty with respect to any products supplied or services performed by the Merchant(s) and particular, Citibank gives no warranty with respect to the quality of the products and services or their suitability for any purpose. Notwithstanding any provisions to the contrary hereincontained, any dispute or complaint concerning products or services received through the use of the Services shall be settled directly between the Gold Cardholder and the relevant Merchant. Citibank will bear no responsibility for resolving such disputes or for the dispute itself;
    • Citibank shall not be responsible for any acts or omissions on the part of the Merchant(s) or for any defect or deficiency in the services and products provided by the Merchant(s).
  6. Citibank reserves the right to vary, delete or add to any of the terms and conditions herein from time to time with adequate notice.
  7. Citibank also reserves the right to terminate the Services or vary the participating Merchant at any time with adequate notice.
  8. For Gold Travel Voucher,

    (a) RM80 worth of vouchers applies for a minimum ground purchase (on selected Holiday Tours housebrand, GSA and PSA products) of RM3,500 per booking;

    (b) The voucher is valid for a period of 12 months from the date of issue;

    (c) The validity period of the voucher cannot be extended;

    (d) Vouchers can be accumulated and be redeemed in a single purchase within the validity period;

    (e) The voucher is redeemable for ground packages only;

    (f) The voucher is non-redeemable nor exchangeable for cash. Any unused or unredeemed value will be forfeited;

    (g) Original copy of the voucher must be produced at the point of redemption;

    (h) The voucher must be redeemed 14 days prior to the desired departure date;

    (i) The voucher is valid when a customer books their next travel through the Citibank Gold Travel Hotline. Any payment in excess of the voucher value has to be made using a Gold credit card;

    (j) All tours and air packages are subject to Holiday Tours' terms and conditions.
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Citibank Credit Card Terms and Conditions
TERMS AND CONDITIONS FOR CITIBANK CASH BACK CARD

These terms and conditions are supplemental to the provisions of the Citibank Card Agreement (the “Agreement”) which govern the use of your Citibank Berhad VISA and/or MasterCard credit card(s). All references to the words “this Agreement” in the Agreement shall include these terms and conditions.

DEFINITIONS

All expressions herein shall have the same meaning as set out in the Agreement except where the context otherwise requires or where expressly stated herein to the contrary. In the event of any conflict between the provisions of the Agreement and these terms and conditions, these terms and conditions shall prevail.

The words you, your and yours means all persons responsible for complying with these terms and conditions, including the person who applied to open the Card Account and the person to whom we address all billing statements.

The words we,us andour means Citibank Berhad (Company No.297089-M), the issuer of the credit cards.

The word Card unless stated otherwise, means one or more credit cards, with or without a cash rebate facility, or other access devices such as account numbers, that we have issued to permit you to obtain credit under the Agreement and these terms and conditions.

The word “Cash Back Card ” means a Card commonly known as the Cash Back Card which is a VISA and/or MasterCard credit card which has a cash rebate facility issued by us.

CASH BACK CARD

These terms and conditions apply only to the Citibank Cash Back card issued by us to every successful applicant of our credit card.

If you hold a Cash Back Card or a Card with a cash rebate facility, you will be entitled to cash rebate subject to the following:

  1. the cash rebate will be given monthly;
  2. the cash rebate will be calculated based on a rate determined by us at our sole and absolute discretion from time to time;
  3. the cash rebate will not be given if the total cash rebate for a particular month is less than RM 5.00 for the Cash Back Card [or a Silver Card with a cash rebate facility], or RM 10.00 for the Cash Back Gold card [or a Gold Card with a cash rebate facility], or such other amount as we may determine from time to time. However, such total cash rebate will be carried forward to the next month and will be taken into account in determining or calculating your entitlement to cash rebate;
  4. we may at our sole discretion from time to time provide a special rate of cash rebate which will apply to purchases made by you from selected merchants;
  5. the cash rebate which we may give you in the period of one (1) year from the date of your first statement and for every subsequent year is limited in total to a maximum of RM 500 for the Cash Back Card [or a Silver Card with a cash rebate facility], or RM 1,000 for the Cash Back Gold Card [or a Gold Card with a cash rebate facility], or such other amount as we may determine from time to time;
  6. we will give the cash rebate to you by automatically crediting the amount of the cash rebate to your Card Account and this will be shown in the statement.

The cash rebate will not apply to Cards without a Cash Back facility and to any Balance Transfer Program, Citibank Dial-For-Cash or similar program by whatever name called; Flexi Payment Plan or similar program by whatever name called; and petrol spend unless on a promotional basis subject to our discretion; or if the Card Account is delinquent.

Any remaining cash rebate in the Cash Back Card account shall immediately cease to be valid upon the occurrence of any of the following:

  1. the cancellation of the Cash Back Card; or
  2. the conversion of the Cash Back Card to any other credit card issued by Citibank

and no refund, extension or compensation will be given by Citibank.

Save and except for variations herein contained and any consequential amendments as may be necessary, all terms and conditions of the Agreement shall continue to be in full force and effect

DISPUTES

All matters of disputes are subject to our final decision.

EXPRESSIONS USED IN STATEMENTS

We reserve the right to describe any of the expressions set out herein in a different manner in the statement and such descriptions in the statement shall not be construed against us as having a different meaning as that set out herein.

Terma-terma dan syarat-syarat ini adalah sebagai tambahan kepada peruntukan Perjanjian Kad Citibank (“Perjanjian tersebut”) yang mengawal penggunaan kad (-kad) kredit VISA dan/atau MasterCard Citibank Berhad anda. Semua rujukan kepada kata-kata “Perjanjian ini” dalam Perjanjian tersebut hendaklah termasuk terma-terma dan syarat-syarat ini.

PENTAKRIFAN

Semua ungkapan di dalam ini hendaklah mempunyai makna yang sama seperti yang dibentangkan dalam Perjanjian tersebut melainkan di mana konteks mengkehendaki sebaliknya atau di mana dengan jelas dinyatakan sebaliknya di dalam ini. Sekiranya ada sebarang konflik di antara peruntukan Perjanjian tersebut dan terma-terma dan syarat-syarat ini, maka terma-terma dan syarat-syarat ini akan mengatasinya.

Perkataan anda bermakna semua orang yang bertanggungjawab untuk mematuhi terma-terma dan syarat-syarat ini, termasuk orang yang memohon untuk membuka Akaun Kad dan orang yang kami alamatkan semua penyata ‘billing’.

Perkataan kami bermakna Citibank Berhad (No. Syarikat 297089-M), pengeluar Kad anda.

Perkataan Kad melainkan dinyatakan sebaliknya, bermakna satu atau lebih daripada satu kad kredit, dengan atau tanpa kemudahan rebat tunai, atau alat akses lain seperti nombor akaun, yang telah kami keluarkan untuk membenarkan anda mendapatkan kredit di bawah Perjanjian tersebut dan terma-terma dan syarat-syarat ini.

Perkataan “Kad Cash Back” bermaksud Kad yang dikenali umum sebagai Kad Cash Back yang merupakan kad kredit VISA dan/atau MasterCard yang dikeluarkan oleh kami.

KAD CASH BACK

Terma-terma dan syarat-syarat ini hanya terpakai kepada Kad Citibank Cash Back yang dikeluarkan oleh kami kepada setiap pemohon kad kredit kami yang berjaya.

Jika anda memegang Kad Cash Back atau Kad yang mempunyai kemudahan rebat tunai, anda adalah berhak kepada rebat tunai tertakluk kepada syarat berikut:

  1. rebat tunai akan diberikan setiap bulan;
  2. rebat tunai akan dikira berdasarkan kadar yang akan ditentukan oleh kami dari semasa ke semasa menurut budi bicara mutlak;
  3. tiada rebat tunai akan diberikan sekiranya rebat tunai terkumpul bagi suatu bulan tertentu adalah kurang dari RM5.00 untuk Kad Cash Back (atau Kad Silver yang mempunyai kemudahan rebat tunai), atau RM10.00 untuk Kad Cash Back Gold (atau Kad Gold yang mempunyai kemudahan rebat tunai), atau sebarang jumlah lain yang mungkin ditentukan oleh kami dari semasa ke semasa. Rebat tunai terkumpul sedemikian walau bagaimanapun akan dibawa ke hadapan ke bulan seterusnya dan diambil kira bagi tujuan menentukan atau mengira hak anda untuk medapatkan rebat tunai;
  4. kami boleh menurut budi bicara tunggal dari semasa ke semasa memperuntukkan kadar khas bagi rebat tunai untuk terpakai bagi pembelian yang dibuat oleh anda dari pedagang-pedagang terpilih;
  5. jumlah rebat tunai yang mungkin diberikan kepada anda dalam tempoh satu (1) tahun dari tarikh penyata pertama dan bagi setiap tahun berikutnya akan secara agregat tertakluk kepada had maksimum sebanyak RM500 untuk Kad Cash Back (atau Kad Silver yang mempunyai kemudahan rebat tunai), atau RM1,000 untuk Kad Cash Back Gold (atau Kad Gold yang mempunyai kemudahan rebat tunai), atau sebarang jumlah lain yang mungkin ditentukan oleh kami dari semasa ke semasa;
  6. rebat tunai akan diberikan kepada anda dengan mengkreditkan Akaun Kad secara automatik dengan jumlah rebat tunai dan ini akan dicatatkan dalam penyata.

Rebat tunai tidak sah untuk Kad yang tidak mempunyai kemudahan Cash Back dan sebarang Program Pindah Baki, Citibank Dial-for-Cash atau program yang serupa walaupun nama berbeza; Pelan Pembayaran Fleksibel atau program yang serupa walaupun nama berbeza; dan petrol yang dibelanjakan kecuali berdasarkan promosi tertakluk kepada budi bicara kami; atau jika Akaun Kad didapati melanggar peraturan.

  1. pembatalan Kad Cash Back; atau
  2. pertukaran Kad Cash Back kepada mana-mana kad kredit lain yang dikeluarkan oleh Citibank

dan tiada pembayaran semula, tambahan atau ganti rugi akan diberikan oleh Citibank.

PERJANJIAN KEKAL BERKUATKUASA

Kecuali dan melainkan perubahan yang terkandung di dalam ini dan sebarang pindaan yang berbangkit yang mungkin menjadi perlu, semua terma-terma dan syarat-syarat Perjanjian tersebut akan terus berkuatkuasa dan berkesan sepenuhnya.

PERTIKAIAN

Semua perkara pertikaian adalah tertakluk kepada keputusan muktamad di pihak kami.

UNGKAPAN DIGUNAKAN DALAM PENYATA

Kami merizab hak untuk menggambarkan sebarang ungkapan yang dibentangkan di dalam ini dalam cara berbeza dalam penyata dan sebarang gambaran dalam penyata tidak akan ditafsirkan dalam cara yang tidak memihak kepada kami sebagai mempunyai makna berbeza daripada apa yang dibentangkan di dalam ini.

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