Most cash back all year long.

Powered by Citi.

Most cash back all year long. Powered by Citi.

Earn as much cash back as you want, all year long.

With a Citi Cash Back Platinum Credit Card, 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.

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Cash Back Credit Card

Top 3 reasons to get a Citi Cash Back Credit Card

  • Up to 5% cash back on every day retail spend
  • No minimum spend required
  • Automatic cash back into your account

The more you spend, the more rebates you get.

Your cash rebate is calculated based on your spend each month. So the more you spend, the more rebates you will be earning.

  • Rebate %
  • Category
  • Spend per month
  • Rebate per year
  • 5%
  • Petrol^

  • RM180.00
  • 2%
  • Grocery^^
    Giant, AEON Big (formerly known as Carrefour), Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin
  • RM144.00
  • 0.3%
  • Everything else

  • RM54.00

Total Rebate

^ Limited to a monthly rebate of RM15 (Cash Back) / RM30 (Cash Back Platinum)

^^ Limited to a monthly rebate of RM30 (Cash Back) / RM60 (Cash Back Platinum)

Annual Fees Cash Back Cash Back Platinum
Principal 127.20 (including 6% GST) 206.70 (including 6% GST)
Supplementary 63.60 (including 6% GST) 106.00 (including 6% GST)

Here's also what you can get on your Citi Cash Back Card:

Charge your recurring bills to your Cash Back 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.

  • MAXIS/DIGI/CELCOM 2% Cash Rebate
  • ASTRO 0.3% Cash Rebate
  • UTILITIES 0.3% Cash Rebate
  • MUNICIPAL COUNCILS 0.3% Cash Rebate

Click here for more information on how to register for Citibank One Bill.

With Citibank World Privileges, your Citi Cash Back 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.

Healthcare NEW
  • With your Citibank Cash Back 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 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 Citi Cash Back Card.

    KPJ Care for Life

    *Operated by KPJ. Terms and conditions apply.

24-hour Personal Concierge Service For Cash Back Platinum

Enjoy personal concierge service anywhere you go.



Balance Transfer Rate Click here to view the latest offer
Finance Charges for Purchases

15%p.a. (daily interest)- Cardmembers who promptly settle their min payment due for 12 consecutive months.

17%p.a. (daily interest)- Cardmembers who promptly settle their min payment due for 10 or more in a 12-months cycle.

18%p.a. (daily interest)- Cardmembers who do not fall within the above categories.

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.

Maximum Credit Limit RM450,000
Annual Fee

RM127.20 (including 6% GST) per annum (Cash Back)

RM206.70 (including 6% GST) per annum (Cash Back Platinum)

Supplementary Fee

RM63.60 (including 6% GST) per annum (Cash Back)

RM 106.00 (including 6% GST) per annum (Cash Back Platinum)

Manage Your Account

  • Citibank Online
  • CitiPhone banking
  • ATM
  • Over the counter
  • Worldwide acceptance
Payment Methods
  • Citibank Online
  • Automatic Direct Debit (One bill)
  • Funds transfer
  • CitiPhone Banking

Citibank Online

  • Credit Card Account Information
  • E-Statement
  • Online Bill Payment
  • Mobile Bill Payment
  • Mobile Prepaid Reload
  • Fund Transfer
  • Citi Alerts
  • Rewards Redemption
How To Apply

Applying for a Citi Cash Back 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


Latest 2 months salary slip*


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


Latest Form B with tax receipt


6 months bank statements

Salaried Expatriate
(Only applicable for credit card applications)
Copy of Passport

Latest 2 months salary slip*


Work permit valid for at least six months at the time of application


Letter of employment

*Number of months of salary slip required will depend on the job nature of applicants

  • Click on the "Apply Now" button.
  • Fill up the online application form.
  • We'll contact you on the following business day.

Criteria For Application

Minimum Income Requirement Cash Back - RM36,000 per annum
Cash Back Platinum - RM60,000 per annum
Minimum Age 21 years old
Minimum Age For Additional Cardholders 18 years old

Other Citibank Privileges

Enjoy more exclusive privileges with Citibank World Privileges.

  • Get more from your Citibank card.
  • Citi Rewards Citi Cards are simply the most rewarding way to pay.

Citibank Cash Back Credit Card Terms and Conditions


  1. The following terms and conditions govern the use of Citibank Credit Cards with cash back or rebates features, including Citibank Cash Back and Cash Back Platinum Card" issued by Citibank Berhad ("Citibank") to Citibank Cash Back Cardmembers ("Cardmembers") ["Cardmembers" or each a "Cardmember" means both the principal and supplementary Cardmembers.]

    1. 5% cash rebate on all spending on petrol, limited to a monthly spend of RM300 to earn the rebate (or limited to a monthly rebate of RM15) for Citibank Cash Back or limited to a monthly spend of RM600 to earn the rebate (or limited to a monthly rebate of RM30) for Citibank Cash Back Platinum;
    2. 2% cash rebate on all spending in Guardian, Watson and Caring pharmacies.
    3. 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 RM1,500 to earn the rebate (or limited to a monthly rebate of RM30) for Citibank Cash Back or limited to a monthly spend of RM3,000 to earn the rebate (or limited to a monthly rebate of RM60) for Citibank Cash Back Platinum;
    4. 2% cash rebate on all payments made via Citibank Online or through Citibank's One Bill system for DiGi, Maxis and Celcom bills; and
    5. 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.
    1. 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.
    2. 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.
    1. The cash rebates must be collected through purchases made with the Citibank Cash Back credit card only. The following transactions are not eligible for cash rebates:-

      1. 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);
      2. refunded, disputed, unauthorized or fraudulent retail transactions;
      3. cash withdrawals or cash advance; and
      4. 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.
      5. premium for Credit Shield or Credit Shield Plus or any other credit insurance;
      6. payment of rates, charges, fines to Governmental, statutory and judicial bodies;
      7. catering and out-call food and beverage services;
      8. donations and contributions to charitable, community or social service organizations (including charitable organizations approved by the Inland Revenue Board for tax relief);
      9. fees or charges to any education establishments or institutions (including professional and vocational training centers);
      10. child care services; and
      11. special events/ categories (including funeral and crematoria services, clothing rental, photographic or video-graphic studios and florists)
    2. Unless expressly stated in these terms and conditions, Cardmembers are not entitled to earn cash rebates from any other categories of transactions.
    1. Any collected cash rebates, including rebates which are pending credit into the Citibank Cash Back credit card account, will become invalid upon the occurrence of any one of the following:
      1. any cancellation of the Cash Back credit card;
      2. any conversion of the Cash Back credit card to any other Citibank credit card;
      3. no charges are made to the Cash Back credit card for a continuous period of six (6) months; or
      4. the Cash Back credit card account becomes delinquent.
    2. For avoidance of doubt, if either (ii) or (iv) above occurs, no refund, extension or compensation will be given by Citibank.
  3. 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.
  4. 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.
  5. A Citibank Cash Back 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.
  6. Cash rebates collected by Supplementary Cardmembers will be credited into the Citibank Cash Back 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 credit card account.
  7. The Cardmember acknowledges that there is a lapse between a transaction made using the Citibank Cash Back credit card and the crediting of the cash rebates into his/her Citibank Cash Back credit card account. Citibank does not represent or warrant that the cash rebates will be immediately reflected in the Cardmember's card account.
  8. 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 credit card, Citibank has the right to disqualify such persons from earning or using the cash rebates.
  9. 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.
  10. Miscellaneous

  11. 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.
  12. 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.
  13. Citibank reserves the right and as it deems fit to change or vary the rebates of the Cash Back credit card in these terms and conditions by giving notice. Such changes or variations will be effective on a date determined by Citibank.
    1. Citibank has the right to change or vary these terms and conditions by way of posting on Citibank Online accessible via (the "Website"), or in any other manner deemed suitable by Citibank.
    2. 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.
    3. The Cardmembers agree that their continued usage of the Citibank Cash Back credit card constitutes their acceptance of these terms and conditions (as changed or varied from time to time).
  14. 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.
  15. These terms and conditions are governed by and construed under the laws of Malaysia.