QUICK CASH

No cash advance fee

Get cash from credit card online, and spend more quality time offline.

Now you can manage your finances better, and enjoy convenient cash access any time.

Benefits

Quick Cash benefits at a glance:

  • Fast funds - Loan disbursed within 3 working days
  • No documents required - Get cash without the usual hassle.
  • Financial flexibility - Use funds the way you want
  • Attractive interest rates - Flat Interest Rate (FIR) of as low as 3.12%p.a. for 36 months
  • Manage your cashflow - Flexible repayment tenure from 6 - 48 months

Apply & reap these benefits today!



  • Try the Quick Cash Calculator

    Just key in the amount of your transactions (minimum RM1,000)

    • Amount (RM)
    • Tenure
    • Interest
    • Monthly Instalment (RM)
    • Total repayment amount
    • Total interest charged (RM)

Take up Quick Cash and pay from as low as RM28 per month

Flat Interest Rate Equivalent by tenure

EIR* 6 months 12 months 18 months 24 months 30 months 36 months 48 months
17.9%
p.a
10.57%
Flat p.a
9.96%
Flat p.a
9.84%
Flat p.a
9.85%
Flat p.a
9.91%
Flat p.a
9.99%
Flat p.a
10.19%
Flat p.a
Quick Cash Amount (RM) Monthly Repayment Amount (RM)
6 12 18 24 30 36 48
1,000 175.48 91.63 63.76 49.88 41.59 36.10 29.32
2,000 350.95 183.26 127.52 99.75 83.18 72.20 58.65
5,000 877.38 458.16 318.79 249.38 207.95 180.51 146.61
10,000 1,754.75 916.32 637.58 498.76 415.90 361.02 293.23

*The effective annual interest rate will vary from 5.9% p.a. to 17.9% p.a.

How To Apply
Online
log in now to apply.
Dial-in
to our dedicated Customer Relationship Executive at 03- 2383 1100
Leave your contact
Click here to drop your details if you would like us to contact you.
Alternatively, call CitiPhone at 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), 07-268 0000 (Johor Bahru) or 1800 82 1010 (Sabah & Sarawak) anytime, any day to request for Quick Cash. Upon approval, we will deposit your cash into any of your preferred savings or checking account.

Notes:

  • The Quick Cash facility offered by Citibank which is a combined facility that allows you to obtain cash advances and repay the cash advances by way of the FPP in accordance with the terms and conditions contained herein.
  • Actual calculation of effective annual interest rate will vary depending on the Quick Cash Tenure and date of approval of the Quick Cash facility but such rate will not exceed 18% per annum.
  • A non refundable cash advance fee of up to 2% will be charged depending on the Quick Cash amount taken.
  • The minimum cash amount is RM1,000 in multiple denominations of RM100.
  • Final approval is subject to the sole and absolute discretion of Citibank.
  • Terms and conditions apply.


For your convenience, just leave us your details and we'll contact you to follow up.

  • Are you an existing customer?*

    Yes No

  • Full Name*


    Contact Number*

         

* All fields are mandatory

Note: In accordance with our privacy policy, any details that you submit for the purpose mentioned above will not be shared with third parties.

IMPORTANT NOTICE

The Citibank Quick Cash, FlexiPayment Plan and Balance Conversion now share the same termination fee. If you decide to terminate any of these services, all you need to do is:

  • Settle the total outstanding principal
  • Pay a termination fee of 5% of the total outstanding principal

If you require any of the above services, please call us at:

Kuala Lumpur (603) 2383 0000 (603) 2383 0000
Penang (604) 296 0000 (604) 296 0000
Johor Bahru (607) 268 0000 (607) 268 0000
Sabah & Sarawak 1800 82 1010 1800 82 1010
  • Citibank Online Convenient, secure & efficient banking at your fingertips!

Terms and Conditions: Citibank Quick Cash (Quick Cash booked on 1 December 2017 onwards)

The word "Card means all credit cards issued by Citibank Berhad ("Citibank") and the word "Cardmember" means the holder of a Card participating in the Quick Cash (defined below). These terms and conditions will apply in conjunction with the provisions set out in the Citibank Card Terms and Conditions, which will apply here with necessary changes having been made, having substituted new terms and with respective differences taken into consideration but where there is any inconsistency between the two, these terms and conditions will prevail to the extent it applies to Quick Cash. All expressions here will have the same meanings as set out in the Citibank Card Terms and Conditions except where the context otherwise requires or where express stated to the contrary.

"Quick Cash" is a combined facility allowing the cardmember to obtain cash advances and repay the cash advances by way of FPP (defined below) in accordance with these terms and conditions;

"FPP" MEANS Citi Flexi Payment Plan which allows the cardmember to reply certain card transaction in monthly instalments in accordance with the terms and conditions of the FPP except modified by these terms and conditions.

You agree to the following terms and conditions:

  1. The Quick Cash is made available to the cardmember subject to these terms and conditions. The cardmember will either receive a separate credit limit called instalment limit to enjoy only the Quick Cash and/ or the cardmember may, at Citi’s discretion, use the existing Card credit limit in the next 6 months upon Citi’s approval of the Quick Cash application. Citi reserves the right to, as it deems fit, increase, decrease or amend the instalment limit at any time by giving notice to you prior to activation of the instalment limit and the instalment limit assigned to cardmembers will be subject to laws, regulations, directives and guidelines governing the card.
  2. The cardmember must meet the minimum acceptance criteria as determined by Citi when applying for the Quick Cash.
  3. The minimum amount eligible for each application is RM1,000 in multiples of RM100 denomination and this limit may be varied by Citi at any time and from time to time.
  4. The cardmember must specify in his/ her application, the amount to draw within the instalment limit and/ or the card credit limit. Citi may at its discretion and as it deems fit, approve the application for the Quick Cash amount specified by the cardmember or such lower amount ("Quick Cash" amount). Citi is not obliged to inform or notify cardmembers of the lower amount prior to approval.
  5. Upon Citi's approval of the cardmember's application, the Quick Cash amount will be deposited into any one of the cardmember’s bank accounts maintained with any bank (which may include a joint account the cardmember maintains with any other person), as specified in the cardmember's application. Charges (if any) imposed by the receiving bank for the deposit of the Quick Cash amount into the cardmember’s bank account, including but not limited to commission charges imposed by the receiving bank to clear banker's cheque(s) issued by Citi, will be borne by the cardmember. Citi will not be responsible for any error, delay, neglect or omission made by the receiving bank in processing the cheque(s) of the crediting of the quick Cash amount into the cardmember’s bank account with that bank.
  6. A non-refundable cash advance fee of the Quick Cash amount or such other amount as may be determined by Citi for each Quick Cash application will be debited from the cardmember’s card account. For the applicable cash advance fee, please click here to see the applicable fees and charges.
  7. Unless stated otherwise, Quick Cash will not earn Rewards point and/ or Cash Back accumulation.
  8. Cardmembers must pay interest ("Quick Cash interest") on the Quick Cash amount and for the Quick Cash Tenure (defined below). The applicable interest rate will be charged on the Quick Cash amount and will be computed based on a reducing balance repayment method basis. The effective interest rate will be calculated based on the actual number of days from the date of approval of the Quick Cash amount to the next immediate statement cycle date. Effective interest rate on Quick Cash is computed on a 360-day year throughout the tenure. For avoidance of doubt, the first month’s interest will be pro-rated from the approval date to the next immediate statement cycle date and will be reflected (together with any fees or charges) in the next immediate monthly statement. Thereafter, the first monthly instalment (comprising of principal and interest) payable will be reflected in the subsequent statement. For subsequent months, the effective interest rate on each instalment will be charged from one statement cycle date to the next statement cycle date, until the end of the tenure. For the avoidance of further doubt, the first and subsequent payment/ instalments form part of the Monthly Minimum Payment which must be settled by you on or before payment due date.

    Illustration:

    Loan Amount: RM10,000
    Effective Interest Rate: 17.9%
    Tenure: 12 Months
    Month Outstanding Loan (RM) Instalment (RM) Interest Payable (RM) Principal Repayment (RM)
    0 10,000.00 74.58
    (interest only)
    74.58 0
    1 10,000.00 916.32 149.17 767.16
    2 9,232.84 916.32 137.72 778.60
    3 8,454.24 916.32 126.11 790.21
    4 7,664.03 916.32 114.32 802.00
    5 6,862.02 916.32 102.36 813.97
    6 6,048.06 916.32 90.22 826.11
    7 5,221.95 916.32 77.89 838.43
    8 4,383.52 916.32 65.39 850.94
    9 3,532.59 916.32 52.69 863.63
    10 2,668.96 916.32 39.81 876.51
    11 1,792.44 916.32 26.74 889.59
    12 902.86 916.32 13.47 902.86
  9. The cardmember must choose tenure for the repayment of the Quick Cash amount together with the Quick Cash interest in accordance with these terms and conditions ("Quick Cash Tenure"). Save for the immediate instalment after approval date as per clause 8 above, during the Quick Cash Tenure, the Quick Cash amount together with Quick Cash interest will be billed by way of equal monthly instalments ("Quick Cash Monthly Instalment") and will appear in the cardmember’s monthly statement of account. The Quick Cash Tenure and/ or the Quick Cash Monthly Instalment cannot be varied, extended or modified unless Citi explicitly agrees to such variation, extension or modification.
  10. Each Quick Cash monthly instalment will be billed to the cardmember's card account on the immediate next statement of account date following Citi's approval of the cardmember’s application even though the cardmember has yet to receive the Quick Cash amount (whether by way of deposit into the bank account designated by the cardmember or the clearance of the cheque into the cardmember's bank account) or that the Quick Cash amount has not been utilized by the cardmember.
  11. The Quick Cash monthly instalment forms part of the cardmember’s Specified Minimum Payment or Minimum Monthly Payment as defined in the Citi Card Terms and Conditions and specified as due in the cardmember’s statement of account or any other written communication given by Citi. Quick Cash monthly instalments must be paid in full on or before the Payment Due Date.
  12. If the current balance specified or appearing in the cardmembers’ statement of account are paid in full on or before the Payment Due Date, finance charges (or such charge) as is applicable to the Ordinary Transactions in accordance with the Citi Card Terms and Conditions ("Finance Charge") wil not apply to the quick Cash Monthly Instalment amount. Payments by cardmembers will be applied to settle taxes, followed by balance(s) attracting the highest interest rate to the lowest interest rate (and in the case of same interest rate, the order will start from the earliest to the latest transaction date). If payment received does not settle the current balance in full, any unpaid Quick Cash Monthly Instalment will be subject to Finance Charge, calculated from the posting date in the statement of account until full payment is received.
  13. For the avoidance of any doubt, the cardmember will be deemed to have defaulted on the repayment of the Quick Cash Monthly Instalment amount if the cardmember does not make the Specified Minimum Payment or Minimum Monthly Payment (or only makes partial payment of the Specified Minimum Payment or Minimum Monthly Payment which is insufficient to cover the Quick Cash Monthly Instalment amount), on or before the Payment Due Date as specified in the cardmember’s Statement of Account (“Instalment Default Payment”). In the event of three (3) or more consecutive instalment default payment events, all monies due and owing under the Quick Cash, comprising of the total outstanding Quick Cash Monthly Instalment and the total unbilled principal of the Quick Cash Monthly Instalment, together with the applicable Finance Charge and balance of all other monies due and owing under the Quick Cash will be immediately due and payable by the cardmember.
  14. Subject to Citi’s approval, the cardmember may at anytime cancel participation in the Quick Cash or opt for early settlement of the Quick Cash amount by calling CitiPhone or such other method as may be determined by Citi from time to time. Upon such cancellation or early termination or in the event the cardmember cancels the card, the cardmember must pay Citi the total outstanding principal under the Quick Cash together with 5% of the total outstanding principal under the Quick Cash for such early termination or cancellation.
  15. Without prejudice to the above, if the cardmember is in breach of any provisions of the Citi Card Terms and Conditions or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account, whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the Quick Cash, comprising of the total outstanding Quick Cash Monthly Instalment and the total unbilled principal of the Quick Cash instalment together with the applicable finance Charge and balance of other monies owing under the Quick Cash will immediately become due and payable by the cardmember and Citi may as it deems fit, charge it to the card account where the Citi Card Terms and Conditions will apply to all the said instalments or balance remaining without prejudice to the rights and remedies of Citi under the Citi Card Terms and Conditions.
  16. The cardmember can apply form ore than one Quick Cash so long as the cardmember qualifies for the Quick Cash in accordance with these terms and conditions.
  17. Despite the provisions relating to respective rates, manner and time of payment and modes of computation contained in these terms and conditions, Citi is entitled to vary such rates, manner and time of payment and/ or modes of computation in any manner by giving notice to the cardmember. Without prejudice to the provisions set out in the Citi Card Terms and Conditions on the Communications, the manner of notice, time of effect and the effect of such variation would be in accordance with the Citi Card Terms and Conditions.
  18. This Quick Cash is valid only up till the Quick Cash Tenure or any other extended date as Citi may specify from time to time. To avoid doubt:
    1. Nothing contained here will be construed as an obligation on Citi to extend the Quick Cash Tenure;
    2. Citi reserves the right to, as it deems fit, vary or change these terms and conditions with prior notice by way of posting on Citibank Online found at www.citibank.com.my (“Website”), or in any other manner deemed suitable by Citi. 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 variation or changes to these terms and conditions. Citi also reserves the right to, as it deems fit, replace wholly or in part the Quick Cash by another scheme, whether similar or not, or to withdraw in altogether; and
    3. To the full extent permitted by law, Citi will not be responsible for and disclaims all liability to any actions, claims, damanges, costs, charges and expenses which the cardmember may suffer, sustain or incur by reason of the cardmember’s enrolment in the Quick Cash.
  19. Citi reserves the right to describe any of the expressions stated here in a different manner in the statement of account and such descriptions in the statement of account will not be construed against Citi as having a different meaning stated here.
  20. Any term or condition which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining terms and conditions.
  21. These terms and conditions will be governed by and construed under the laws of Malaysia.

Terms and Conditions: Citibank Quick Cash (Quick Cash booked before 1 December 2017 onwards)

The word “Card means all credit cards issued by Citibank Berhad ("Citibank") and the word “Cardmember” means the holder of a Card participating in the Quick Cash (defined below). These terms and conditions will apply in conjunction with the provisions set out in the Citibank Card Terms and Conditions, which will apply here with necessary changes having been made, having substituted new terms and with respective differences taken into consideration but where there is any inconsistency between the two, these terms and conditions will prevail to the extent it applies to Quick Cash. All expressions here will have the same meanings as set out in the Citibank Card Terms and Conditions except where the context otherwise requires or where express stated to the contrary.

"Quick Cash" is a combined facility allowing the cardmember to obtain cash advances and repay the cash advances by way of FPP (defined below) in accordance with these terms and conditions;

"FPP" MEANS Citi Flexi Payment Plan which allows the cardmember to reply certain card transaction in monthly instalments in accordance with the terms and conditions of the FPP except modified by these terms and conditions.

You agree to the following terms and conditions:

  1. The Quick Cash is made available to the cardmember subject to these terms and conditions. The cardmember will either receive a separate credit limit called instalment limit to enjoy only the Quick Cash and/ or the cardmember may, at Citi’s discretion, use the existing Card credit limit in the next 6 months upon Citi’s approval of the Quick Cash application. Citi reserves the right to, as it deems fit, increase, decrease or amend the instalment limit at any time by giving notice to you prior to activation of the instalment limit and the instalment limit assigned to cardmembers will be subject to laws, regulations, directives and guidelines governing the card.
  2. The cardmember must meet the minimum acceptance criteria as determined by Citi when applying for the Quick Cash.
  3. The minimum amount eligible for each application is RM1,000 in multiples of RM100 denomination and this limit may be varied by Citi at any time and from time to time.
  4. The cardmember must specify in his/ her application, the amount to draw within the instalment limit and/ or the card credit limit. Citi may at its discretion and as it deems fit, approve the application for the Quick Cash amount specified by the cardmember or such lower amount ("Quick Cash" amount). Citi is not obliged to inform or notify cardmembers of the lower amount prior to approval.
  5. Upon Citi's approval of the cardmember’s application, the Quick Cash amount will be deposited into any one of the cardmember’s bank accounts maintained with any bank (which may include a joint account the cardmember maintains with any other person), as specified in the cardmember’s application. Charges (if any) imposed by the receiving bank for the deposit of the Quick Cash amount into the cardmember’s bank account, including but not limited to commission charges imposed by the receiving bank to clear banker’s cheque(s) issued by Citi, will be borne by the cardmember. Citi will not be responsible for any error, delay, neglect or omission made by the receiving bank in processing the cheque(s) of the crediting of the quick Cash amount into the cardmember’s bank account with that bank.
  6. A non-refundable cash advance fee of the Quick Cash amount or such other amount as may be determined by Citi for each Quick Cash application will be debited from the cardmember’s card account. For the applicable cash advance fee, please click here to see the applicable fees and charges.
  7. Unless stated otherwise, Quick Cash will not earn Rewards point and/ or Cash Back accumulation.
  8. Cardmembers must pay interest ("Quick Cash interest") on the Quick Cash amount and for the Quick Cash Tenure (defined below). The applicable interest rate will be charged on the Quick Cash amount and will be computed based on a reducing balance repayment method basis. The effective interest rate will be calculated based on the actual number of days from the date of approval of the Quick Cash amount to the next immediate statement cycle date. Effective interest rate on Quick Cash is computed on a 360-day year throughout the tenure. For avoidance of doubt, the first month’s interest will be pro-rated from the approval date to the next immediate statement cycle date and will be reflected (together with any fees or charges) in the next immediate monthly statement. Thereafter, the first monthly instalment (comprising of principal and interest) payable will be reflected in the subsequent statement. For subsequent months, the effective interest rate on each instalment will be charged from one statement cycle date to the next statement cycle date, until the end of the tenure. For the avoidance of further doubt, the first and subsequent payment/ instalments form part of the Monthly Minimum Payment which must be settled by you on or before payment due date.

    Illustration:

    Loan Amount: RM10,000
    Effective Interest Rate: 17.9%
    Tenure: 12 Months
    Month Outstanding Loan (RM) Instalment (RM) Interest Payable (RM) Principal Repayment (RM)
    0 10,000.00 74.58(interest only) 74.58 0
    1 10,000.00 916.32 149.17 767.16
    2 9,232.84 916.32 137.72 778.60
    3 8,454.24 916.32 126.11 790.21
    4 7,664.03 916.32 114.32 802.00
    5 6,862.02 916.32 102.36 813.97
    6 6,048.06 916.32 90.22 826.11
    7 5,221.95 916.32 77.89 838.43
    8 4,383.52 916.32 65.39 850.94
    9 3,532.59 916.32 52.69 863.63
    10 2,668.96 916.32 39.81 876.51
    11 1,792.44 916.32 26.74 889.59
    12 902.86 916.32 13.47 902.86
  9. The cardmember must choose tenure for the repayment of the Quick Cash amount together with the Quick Cash interest in accordance with these terms and conditions (“Quick Cash Tenure”). Save for the immediate instalment after approval date as per clause 8 above, during the Quick Cash Tenure, the Quick Cash amount together with Quick Cash interest will be billed by way of equal monthly instalments (“Quick Cash Monthly Instalment”) and will appear in the cardmember’s monthly statement of account. The Quick Cash Tenure and/ or the Quick Cash Monthly Instalment cannot be varied, extended or modified unless Citi explicitly agrees to such variation, extension or modification.
  10. Each Quick Cash monthly instalment will be billed to the cardmember’s card account on the immediate next statement of account date following Citi’s approval of the cardmember’s application even though the cardmember has yet to receive the Quick Cash amount (whether by way of deposit into the bank account designated by the cardmember or the clearance of the cheque into the cardmember’s bank account) or that the Quick Cash amount has not been utilized by the cardmember.
  11. The Quick Cash monthly instalment forms part of the cardmember’s Specified Minimum Payment or Minimum Monthly Payment as defined in the Citi Card Terms and Conditions and specified as due in the cardmember’s statement of account or any other written communication given by Citi. Quick Cash monthly instalments must be paid in full on or before the Payment Due Date.
  12. If the current balance specified or appearing in the cardmembers’ statement of account are paid in full on or before the Payment Due Date, finance charges (or such charge) as is applicable to the Ordinary Transactions in accordance with the Citi Card Terms and Conditions (“Finance Charge”) wil not apply to the quick Cash Monthly Instalment amount. Payments by cardmembers will be applied to settle taxes, followed by balance(s) attracting the highest interest rate to the lowest interest rate (and in the case of same interest rate, the order will start from the earliest to the latest transaction date). If payment received does not settle the current balance in full, any unpaid Quick Cash Monthly Instalment will be subject to Finance Charge, calculated from the posting date in the statement of account until full payment is received.
  13. For the avoidance of any doubt, the cardmember will be deemed to have defaulted on the repayment of the Quick Cash Monthly Instalment amount if the cardmember does not make the Specified Minimum Payment or Minimum Monthly Payment (or only makes partial payment of the Specified Minimum Payment or Minimum Monthly Payment which is insufficient to cover the Quick Cash Monthly Instalment amount), on or before the Payment Due Date as specified in the cardmember’s Statement of Account (“Instalment Default Payment”). In the event of three (3) or more consecutive instalment default payment events, all monies due and owing under the Quick Cash, comprising of the total outstanding Quick Cash Monthly Instalment and the total unbilled principal of the Quick Cash Monthly Instalment, together with the applicable Finance Charge and balance of all other monies due and owing under the Quick Cash will be immediately due and payable by the cardmember.
  14. Subject to Citi’s approval, the cardmember may at anytime cancel participation in the Quick Cash or opt for early settlement of the Quick Cash amount by calling CitiPhone or such other method as may be determined by Citi from time to time. Upon such cancellation or early termination or in the event the cardmember cancels the card, the cardmember must pay Citi the total outstanding principal under the Quick Cash together with 5% of the total outstanding principal under the Quick Cash for such early termination or cancellation.
  15. Without prejudice to the above, if the cardmember is in breach of any provisions of the Citi Card Terms and Conditions or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account, whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the Quick Cash, comprising of the total outstanding Quick Cash Monthly Instalment and the total unbilled principal of the Quick Cash instalment together with the applicable finance Charge and balance of other monies owing under the Quick Cash will immediately become due and payable by the cardmember and Citi may as it deems fit, charge it to the card account where the Citi Card Terms and Conditions will apply to all the said instalments or balance remaining without prejudice to the rights and remedies of Citi under the Citi Card Terms and Conditions.
  16. The cardmember can apply form ore than one Quick Cash so long as the cardmember qualifies for the Quick Cash in accordance with these terms and conditions.
  17. Despite the provisions relating to respective rates, manner and time of payment and modes of computation contained in these terms and conditions, Citi is entitled to vary such rates, manner and time of payment and/ or modes of computation in any manner by giving notice to the cardmember. Without prejudice to the provisions set out in the Citi Card Terms and Conditions on the Communications, the manner of notice, time of effect and the effect of such variation would be in accordance with the Citi Card Terms and Conditions.
  18. This Quick Cash is valid only up till the Quick Cash Tenure or any other extended date as Citi may specify from time to time. To avoid doubt:
    1. Nothing contained here will be construed as an obligation on Citi to extend the Quick Cash Tenure;
    2. Citi reserves the right to, as it deems fit, vary or change these terms and conditions with prior notice by way of posting on Citibank Online found at www.citibank.com.my (“Website”), or in any other manner deemed suitable by Citi. 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 variation or changes to these terms and conditions. Citi also reserves the right to, as it deems fit, replace wholly or in part the Quick Cash by another scheme, whether similar or not, or to withdraw in altogether; and
    3. To the full extent permitted by law, Citi will not be responsible for and disclaims all liability to any actions, claims, damanges, costs, charges and expenses which the cardmember may suffer, sustain or incur by reason of the cardmember’s enrolment in the Quick Cash.
  19. Citi reserves the right to describe any of the expressions stated here in a different manner in the statement of account and such descriptions in the statement of account will not be construed against Citi as having a different meaning stated here.
  20. Any term or condition which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining terms and conditions.
  21. These terms and conditions will be governed by and construed under the laws of Malaysia.

Click here for Citibank Quick Cash Product Disclosure Sheet.