Earn as much cash back as you want, all year long.
You don't have to wait for specific days or special promotions to enjoy the most cash back from your credit card purchases anymore. No pre-registration and no minimum spending is required. Your cash back is automatically credited into your account.
Top 3 reasons to get a Citibank Cash Back Platinum Credit Card
Your cash rebate is calculated based on your spend each month. So the more you spend, the more rebates you will be earning.
^ Limited to a monthly rebate of RM30.
^^ Limited to a monthly rebate of RM60.
Here's also what you can get on your Citibank Cash Back Platinum Card:
Monthly Bill Payments
Charge your recurring bills to your Cash Back Platinum credit card under Citibank One Bill and never lose track of your bills again. Enjoy peace of mind whilst earning rebates on the payment of your everyday bills.
Click here for more information on how to register for Citibank One Bill.
Complimentary Insurance Coverage
Purchase Protection
When you shop with your Citibank Cash Back Platinum Card, eligible purchases are automatically protected for 30 days. If the item is lost, stolen, or damaged, you will be reimbursed for 50% of the amount shown on your Citibank sales draft up to a maximum of RM12,000 per item, or up to a maximum of RM30,000 per occurrence. This privilege is extended to supplementary cardmember(s) as well.
Click here to view the full complimentary insurance benefits for your credit credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393.
Refund Protection
If you are dissatisfied with your purchase within 30 days and the retailer refuses to take the purchased item back, you can return it and be reimbursed with the purchase price, up to a maximum of RM1,500 per item, and subject to a maximum of RM6,000 per occurrence.
Click here to view the full complimentary insurance benefits for your credit credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393.
Overseas Personal Accident
If you sustain accidental injury whilst overseas, resulting in death or permanent disabilities within 365 days, you are eligible to be paid out for the relevant benefits up to a maximum of RM100,000.
Click here to view the full complimentary insurance benefits for your credit credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393.
Citibank World Privileges
With Citibank World Privileges, your Citibank Cash Back Platinum Card will entitle you to 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.
With your Citibank Cash Back Platinum Credit Card, you can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health.
20% discount on all Executive Screening Packages (excluding medical officers and specialists’ consultation fees)
15% discount on all walk-in hospital room rates (from RM120 and above)
For enquiries and appointment, please visit www.kpjhealth.com.my for details of specialist hospitals in the KPJ Healthcare Network.
Privilege is valid at 20 participating hospitals only. Please refer to list of participating hospitals.
Promotions, promotional events and screening packages may vary and are subject to availability at the participating hospitals. Please call the respective hospital for more details.
The following discount is only applicable if payment is fully paid via Citibank Cash Back Platinum Card.
8.88% p.a. (daily interest) - Cardmembers with prompt payments of more than 50% of their monthly outstanding balances for 12 consecutive months.
15% p.a. (daily interest) - Cardmembers with prompt payments of less than or equal to 50% of their monthly outstanding balances for 12 consecutive months.
17% p.a. (daily interest) - Cardmembers with prompt payments for 10 or more months in the last 12 months.
*18% p.a. (daily interest) - Cardmembers who do not fall within the above categories.
* Effective 1 January 2013
Cash Advance
5% of cash amount (min RM 20) and 18% per annum daily interest.
Interest Free Period
20 days from the statement date and applicable only for Cardmember who pays in full on or before the payment due date. If Cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day transactions are posted to the card account.
All lost bankcards e.g. credit cards, debit cards and ATM cards will be cancelled within minutes upon notification.
Card Protection Assistance
Coverage
Worldwide coverage
Yes
FREE 24-hour loss reporting line for ALL cards
Yes
Fraud protection due to lost / stolen cards (before loss reporting)
RM4,400*
Fraud protection due to lost / stolen cards (after loss reporting)
RM300,000
* RM440 per card, up to a maximum of 10 cards.
Applying for a Citibank Citibank Cash Back Platinum Card is simple. The application process should take less than 10 minutes of your time to complete if you have all your personal details ready at hand.
Here's How You Can Apply:
Required Document for New-To-Bank applicants:
Type of Applicants
Documents Required
Salaried Employee
Photocopy of MyKad (both sides)
Latest EPF Statement OR
Latest 2 months salary slip* AND/OR Any of the following documents where required. - Latest BE form with tax receipt
- 3 months bank statements
- Latest EA Form
Self- Employed
Photocopy of MyKad (both sides)
Photocopy of Business Registration form AND
Latest Form B with tax receipt OR
6 months bank statements
Salaried Expatriate (Only applicable for credit card applications)
Copy of Passport
Latest 2 months salary slip* AND
Work permit valid for at least six months at the time of application AND
Letter of employment
*Number of months of salary slip required will depend on the job nature of applicants
Citibank Cash Back Platinum Credit Card Terms and Conditions
1.
The following terms and conditions governs all cash rebates given under the Citibank
Cash Back Platinum credit card issued by Citibank Berhad (“Citibank”) to Citibank Cash
Back Platinum Cardmembers (“Cardmembers”) [“Cardmembers” or “Cardmembers”
means both the principal and supplementary Cardmembers.]
(a)
5% cash rebate on all spending on petrol, limited to a monthly spend of RM600
to earn the rebate (or limited to a monthly rebate of RM30);
(b)
2% cash rebate on all spending in Guardian, Watson and Caring pharmacies.
(c)
2% cash rebate on all spending on groceries at AEON Big (formerly known as
Carrefour), Tesco, Cold Storage, Giant, Everise, Servay, Econsave and Mydin,
limited to a monthly spend of RM3,000 to earn the rebate (or limited to a monthly
rebate of RM60);
(d)
2% cash rebate on all payments made via Citibank Online or through Citibank’s
One Bill system for DiGi, Maxis and Celcom bills; and
(e)
0.3% cash rebate on all other spending.
2.
The merchants and rates set out above for cash rebates are subject to change and
periodical review by Citibank.
3.
(a)
Any cash rebate earned will be credited into the Cardmembers᾿ account every
month, as long as the Cardmember has accumulated the equivalent of RM50 in
cash rebates in that month.
(b)
If the cash rebate is less than RM50 for a particular month, the total cash rebate
amount will be carried forward to the following month, and will be taken into
account in determining the Cardmember’s cash rebate entitlement for that
following month.
4.
(a)
The cash rebates must be collected through purchases made with the Citibank
Cash Back Platinum credit card only. The following transactions are not eligible
for cash rebates:-
i
transactions made on Citibank’s Balance Transfer (BT), Balance Transfer
via Instalment Plan (BTI), Easy Pay (EPP), Flexi Payment Plan (FPP) and
Dial-For-Cash (DFC);
ii
refunded, disputed, unauthorized or fraudulent retail transactions;
iii
cash withdrawals or cash advance; and
iv
payment of annual card membership fees, interest payments, late
payment fees, charges for cash withdrawals, government service tax and
any other form of service/miscellaneous fees.
(b)
Unless expressly stated in these terms and conditions, Cardmembers are not
entitled to earn cash rebates from any other categories of transactions.
5.
(a)
Any collected cash rebates, including rebates which are pending credit into the
Citibank Cash Back Platinum credit card account, will become invalid upon the
occurrence of any one of the following:
i
any cancellation of the Cash Back Platinum credit card;
ii
any conversion of the Cash Back Platinum credit card to any other
Citibank credit card;
iii
no charges are made to the Cash Back Platinum credit card for a
continuous period of six (6) months; or
iv
the Cash Back Platinum credit card account becomes delinquent.
(b)
For avoidance of doubt, if either (ii) or (iv) above occurs, no refund, extension or
compensation will be given by Citibank.
6.
Subject to Clause 4 above and Clause 10 below, the total cash rebates earned each
month will be automatically credited into the Cardmembers’ credit card account which
will be reflected in the monthly statement of account.
7.
Citibank has the right to cancel, terminate or suspend the cash rebates by giving notice.
For avoidance of doubt, any such cancellation, termination or suspension by Citibank of
the cash rebates will not entitle the Cardmember to any compensation from Citibank for
any loss or damage suffered by the Cardmember, whether directly or indirectly, as a
result of such cancellation, termination or suspension.
8.
A Citibank Cash Back Platinum credit card account must be in good standing in order to
be entitled to earn the cash rebates. This includes not being overdue in payment and not
exceeding the credit limit.
9.
Cash rebates collected by Supplementary Cardmembers will be credited into the
Citibank Cash Back Platinum credit card account of the Principal Cardmembers. The
total cash rebates earned by both the Principal Cardmember and Supplementary
Cardmember will be stated in the monthly billing statement of the Principal
Cardmember’s Citibank Cash Back Platinum credit card account.
10.
The Cardmember acknowledges that there is a lapse between a transaction made using
the Citibank Cash Back Platinum credit card and the crediting of the cash rebates into
his/her Citibank Cash Back Platinum credit card account. Citibank does not represent or
warrant that the cash rebates will be immediately reflected in the Cardmember’s card
account.
11.
If the cash rebates are awarded to persons who have committed or are suspected of
committing any fraudulent or wrongful acts in the use of their Citibank Cash Back
Platinum credit card, Citibank has the right to disqualify such persons from earning or
using the cash rebates.
12.
The terms and conditions of the Citibank Credit Card Terms and Conditions apply here
with necessary changes having been made, having substituted new terms and with
respective differences taken into consideration and if there is any conflict or discrepancy
between the two in respect of the cash rebate mechanics, these terms and conditions
will prevail.
Miscellaneous
13.
Citibank will not be liable for any default due to any act of God, war, riot, strike, lockout,
industrial action, fire, flood, drought, storm, epidemic, pandemic, technical or system
failure or any event beyond the reasonable control of Citibank.
14.
Citibank’s decisions on all matters regarding the cash rebates, including determining the
cash rebates and categories of cash rebates, will be final and binding. No further
correspondence or attempts to dispute such decisions will be considered by Citibank.
15.
Citibank reserves the right and as it deems fit to change or vary the rebates of the Cash
Back Platinum credit card in these terms and conditions by giving notice. Such changes
or variations will be effective on a date determined by Citibank.
16.
(a)
Citibank has the right to change or vary these terms and conditions by way of posting on
Citibank Online accessible via www.citibank.com.my (the “Website”), or in any other
manner deemed suitable by Citibank.
(b)
The Cardmembers agree to access the Website regularly to view these terms and
conditions, and to ensure that they are kept up-to-date with any changes to these Terms
and Conditions.
(c)
The Cardmembers agree that their continued usage of the Citibank Cash Back Platinum
credit card constitutes their acceptance of these terms and conditions (as changed or
varied from time to time).
17.
To the fullest extent permitted by law, Citibank (including its officers, servants, employees,
representatives and/or agents, including any third parties) is not liable for any loss or
damages which may arise in connection with the cash rebates.
18.
These terms and conditions are governed by and construed under the laws of Malaysia.
