Financing your dream home with Citibank can be more rewarding than you think.

Apply for a Citibank Housing Loan or Citibank FlexiHome Loan with a minimum loan amount of RM700,000 and get up to RM30,000* cash back + RM2,000 guaranteed cash back
for completed properties only.

Apply today and get your loan application approved in approximately 10 minutes^.

How it works

From 2 January till 31 December 2019, sign up for any of these home loans and get cash back:


Get additional guaranteed cash back of RM2,000

when you apply at any Citibank branch nationwide.


You sign up for a Citibank Housing Loan of RM700,000.

RM700,000 x 0.55% RM3,850
Guaranteed Cash Back RM2,000
Total Cash Back RM5,500
Receive up to RM10,000* cash back
Receive up to RM30,000* cash back

This campaign is valid from 2 January 2019 till 31 December 2019.

The campaign is applicable for a Citibank Housing Loan or Citibank FlexiHome Loan for financing of the purchase of completed residential properties, refinancing of completed residential properties from other bank or an increase in line of the existing Citibank Mortgage (completed residential properties only).

No, this campaign is open to all customers regardless of first time buyer or not.

No, all customers can enjoy the benefits of the campaign.

The cash back is calculated at up to 0.55%* of the total loan amount subject to a cap of RM10,000 (maximum cap of RM30,000 for Citigold) with an additional guaranteed cash back of RM2,000.

To be entitled for the campaign offer, your loan must be submitted and captured in Citibank’s system from 2 January 2019 onwards and accepted within 7 working days from the date of the Supplemental Letter of Approval. If the Supplemental Letter of Approval is dated between 20 December 2019 and 31 December 2019, acceptance must not be later than 10 January 2020 and the first loan drawdown must be on or before 30 June 2020.

The minimum loan amount is RM700,000. The loan approval is subject to the Bank's credit review. The rates on this loan may change according to changes in Base Rate (BR).

Typically it takes 3 to 5 working days with the condition that full documentations are provided but it may differ from a case-to-case basis.

Upon first loan drawdown, the Cash Back Plus you are entitled under this campaign Terms and Conditions, will be credited into the Citibank Housing Loan account to reduce the loan outstanding balance (i.e. principal loan amount) or in the case of Citibank FlexiHome Loan, the Cash Back Plus will be credited into Citibank Flexi Current Account within one month from the first loan drawdown date.

^ The 10 minutes loan approval given by the Bank for the purpose of this application is only an indicative approval. The indicative approval and eligible loan amount is derived based on the information provided by the customer via the Universal Loan Indicative Approval Application Form (ULIAAF) and is not an agreement by the Bank to provide any loan or other products/ services to the customer. Accordingly, the actual approval of the home loan including the loan amount is subject to the submission of the required full application form with supporting documentations and the Bank's credit assessment. The ULIAAF is only applicable to individual borrowers. The rates on the loan may change according to changes in the Base Rate (BR).

*The calculation of the cash back percentage is based on the product type and the total loan amount signed within the time period listed above. For the full terms and conditions, kindly refer here.