With Citi, giving your family the best home
can be a rewarding experience.

Whether you are upgrading to a bigger home or buying your first home, the life that you’ve been dreaming of is now within your reach.

Apply now for a Citibank Housing Loan to make your next move in life even more rewarding.

Citibank 2021 Mortgage Cash Back Plus Campaign, at a glance

  • Financing amount of RM500,000 and above

  • Fast loan approval in 10 minutes

  • Get RM2,000 guaranteed cash back for completed properties only

Mortgage customers

Receive up to RM10,000* Cash Back

Citigold members

Receive up to RM30,000* Cash Back

How it works

Receive cash back when you sign up for any of the following home loans,
starting from 2 January to 31 December 2021.


Housing Loan


cash back

of the loan amount
Get up to RM30,000* cash back and additional guaranteed cash back of RM2,000 when you apply at any Citibank branch nationwide.


You sign up for a Citibank Housing Loan of RM500,000

RM500,000 x 0.55% RM2,750
Guaranteed Cash Back RM2,000
Total Cash Back RM4,750

This campaign is valid from 2 January 2021 till 31 December 2021.

The campaign is applicable for a Citibank Housing 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 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 2021 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 24 December 2021 and 31 December 2021, acceptance must not be later than 10 January 2022 and first drawdown must be on or before 30 June 2022.

The minimum loan amount is RM500,000. 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).

Interest rate starts from BR+0.85%, depending on the product type and the total loan amount signed up.

Legal fees, stamp duties and charges pertaining to Sales & Purchase Agreement, Memorandum of Transfer (MOT), transfer of title or issuance of individual / strata title, discharge of charge fees and removal of caveats will be the sole responsibility of the owner of the property and will not be borne by the bank. Please click here to view the full list of fees and charges applicable to your loan.

^ 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.