CITI BUSINESS PLATINUM CARD

Earn cash back
wherever you go.

For business or leisure, locally or abroad.

Earn cash back wherever you go. For business or leisure, locally or abroad.

Designed for the working professionals.

When you are a high flying business executive, the world is your oyster. Citi Business Platinum Card is a unique card that recognizes this and balances your business and lifestyle needs, both locally or abroad. Whenever you spend, no matter where you are, you earn cash back.

AirAsia-Citi Credit Card

Top 3 reasons to get a Citi Business Platinum Card

  • 2% cash back on overseas hotel and dining
  • Up to 1% cash back on all other retail spend
  • Insurance coverage up to RM1,000,000
Benefits

Cash back that never expires

  • 2% cash back on overseas hotel and dining spend
  • Up to 1% cash back on all other retail spend
    • 0.3% cash back for the first RM300 monthly spend
    • 1% cash back for remaining spend

Freedom and flexibility in redemption

  • Cash back redeemable ANYTIME - just call our 24-Hour CitiPhone line
  • Cash back never expires so you can accumulate a larger amount to redeem
    • Minimum cash back redemption amount is RM50

Complimentary Travel Insurance

  • Personal Accident Benefits: up to RM1,000,000
  • Travel Inconvenience Coverage (limit per card member):
    • Flight Delays: Up to RM675 for delay longer than 4 hours.
    • Missed Flight Connection: Up to RM675 for missed connecting flights lasting more than 4 hours.
    • Baggage Delay: Up to RM675 if your luggage is not delivered within 6 hours when traveling to overseas.
    • Baggage Loss: Up to RM2,000 if your luggage is lost or not delivered within 24 hours when traveling to overseas.
    • Baggage Damage: Up to RM250.

    Click here to view the full complimentary insurance benefits for your credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393 1800-88-2393.

Features

Flexibility

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

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.

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 RM200.00 per annum
Supplementary Fee RM100.00 per annum

Manage Your Account

Accessibility
  • Citibank Online
  • CitiPhone banking
  • ATM
  • Over the counter
  • Worldwide acceptance
Payment Methods
  • Citibank Online
  • Automatic Direct Debit
  • Funds transfer
  • CitiPhone Banking

Citibank Online

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

Applying for a Citi Business 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 Documents 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

  • 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 RM60,000 per annum
Minimum Age 21 years old
Minimum Age For Additional Cardholders 18 years old
Promotions

For new Citi Business Platinum Cardmembers

Get RM200 cash back with minimum spend of RM1,000 within first 2 months*.

  • * Click here to view the terms and conditions for this promotion.

Treats at premium dining venues

Pamper yourself a little bit more when you indulge in a night out, with:

  • 20% off total food bill
  • Complimentary wine/dessert with a minimum spend of RM500 in a single receipt

Hotel and business privileges

Your Citi Business Platinum Card will entitle you to hotel deals and offers via VISA Commercial Offers.

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

Citi Business Platinum Card Terms & Conditions

  1. The following terms and conditions governs all cash back given under the Citibank Business Platinum Credit Card issued by Citibank Berhad (297089-M) ("Citibank") to Citi Business Platinum Cardmembers, subject to Citibank's discretion as it deems fit to determine the mechanics applicable to cash back, including the cash back value and cash back categories:
    1. 2% cash back on all overseas hotel and dining spend

      For the avoidance of doubt, the cash back for overseas hotel or dining spend must be made in foreign currency only for Cardmembers to earn the 2% cash back. Cardmembers whose overseas spend is made in local currency (Ringgit Malaysia) will earn cash back as per paragraph (b) below.

    2. 0.3% cash back on all other retail spend for the first RM300 monthly spend. Any retail spend above the RM300 monthly spend will then earn 1% cash back. Cash back does not apply to petrol purchases.
  2. The merchants and rates set out above for cash back are subject to change and periodical review by Citibank as it deems fit by giving notice to Cardmembers.
    1. For the avoidance of doubt, the value of cash back will not be automatically credited to the Cardmembers' Card Account, but the value of the cash back will be reflected in the Cardmembers' statement of account, upon which, the Cardmembers can either choose to accumulate the cash back or redeem the cash back.
    2. Cardmembers must accumulate at least RM50 to redeem the cash back earned. The minimum cash back redemption is RM50. Only when the cash back is redeemed (whether in full or partially), will the value of the cash back be credited into the Cardmembers' Card Account. Unredeemed cash back will be carried forward to the following month.

      To redeem the cash back, Cardmembers must call CitiPhone at 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), 07-268 0000 (Johor Bahru) or 1800 82 1010 (Sabah & Sarawak).

    1. The following transactions on such services taken up by the Cardmembers are not eligible for cash back (whichever is applicable):
      1. Citibank's Balance Transfer (VT), Balance Transfer via Instalment Plan (BTI), Citibank's Flexi Payment Plan (FPP), Citibank's Balance Conversion (BC), Cash Advance and Dial-For-Cash (DFC), Citibank's Credit Shield Plus (CSP), Citibank's Credit Shield Premier (CSPr), Citibank's Card Protection Premier (CPP).
      2. refunded, disputed, unauthorized or fraudulent retail transactions;
      3. cash withdrawals or cash advance;
      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 using the Citibank Business Platinum Credit Card.
    2. Unless expressly stated in these terms and conditions or otherwise informed by Citibank, Cardmembers are not entitled to earn cash back from any other categories of transactions.
    1. Any collected cash back, including cash back which are pending credit into the Cardmember's Card Account, will become invalid upon the occurrence of any one of the following:
      1. any cancellation of the Citibank Business Platinum Credit Card;
      2. any conversion of the Citibank Business Platinum Credit Card to any other Citibank credit card;
      3. no charges are made to the Citibank Business Platinum Credit Card for a continuous period of six (6) months; or
      4. the Cardmember's 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 back earned each month will be reflected in the monthly statement of account.
  4. Citibank has the right to cancel, terminate or suspend any of the Citibank Business Platinum Credit Card features by giving notice. For avoidance of doubt, any such cancellation, termination or suspension by Citibank of the cash back or any features 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 Cardmember's Card Account must be in good standing in order to be entitled to earn the cash back. This includes not being overdue in payment and not exceeding the credit limit.
  6. The Cardmember acknowledges that there is a lapse between a transaction made using the Citibank Business Platinum Credit Card and the earning of the cash back into the Cardmember's Card Account. Citibank does not represent or warrant that the cash back will be immediately reflected in the Cardmember's statement of account.
  7. If the cash back are awarded to persons who have committed or are suspected of committing any fraudulent or wrongful acts in the use of their Citibank Business Platinum Credit Card and/or any other Citibank facilities or services, including Citibank Online, Citibank has the right to disqualify such persons from earning, using or making any redemption on the cash back.
  8. 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 governing cash back and matters pertaining to cash back, these terms and conditions will prevail.
  9. Miscellaneous

    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.

  10. Citibank's decisions on all matters regarding the cash back, including determining the cash back and categories of cash back, will be final and binding.
  11. Citibank reserves the right as it deems fit to change or vary the mechanics applicable to cash back for the Citibank Business Platinum 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's website - www.citibank.com.my (the "Website"), or in any other manner deemed suitable by Citibank.
    2. 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. Cardmembers agree that their continued usage of the Citibank Business Platinum Credit Card constitutes their acceptance of these terms and conditions (as changed or varied).
  12. 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 back.
  13. These terms and conditions are governed by and construed under the laws of Malaysia.