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Refer for Rewards

Refer for Rewards

An exclusive home loan referral programme
that rewards you with higher cash rewards
for every additional successful referrals

Recommend your friends and family to take up a Citibank Home Loan by
31 December 2021 and you will be awarded with cash rewards of RM500 or more.

Here’s how it works!

You will get cash rewards for every successful loan referral of RM500,000 and above.

The more you refer, the more you earn.

Below is an example that illustrates the cash rewards you could earn:

Loan Size Total Number of
Successful Referrals
Cash Rewards
(Based on total booked
loan amount)
Calculation of Cash
Rewards (Based on
RM500,000 loan)
Additional Bonus Total Cash Rewards



RM500,000 and above

0.10% RM500 - RM500
0.13% RM650 + RM650 - RM1,300
0.13% RM650 + RM650 + RM650 - RM1,950
0.15% RM750 + RM750 + RM750 + RM750 RM1,000* RM4,000
(RM3,000 + RM1,000)

*Cash rewards for 4 successful referrals and above is fixed at 0.15% of the total loan amount booked. Each referrer will earn an additional bonus of RM1,000 (limited to once) if the 4 referrals that they made by 31 December 2021 were booked on or before 31 January 2022.


  • Referee details must be submitted via Home Loan Referral’s Referee Microsite and the home loan applications which have been submitted by the Referee must reach Citibank by 31 December 2021. Successful referral(s) will only be counted towards the total cash rewards if the Referee loan is successfully booked and captured in Citibank’s system as loan booked on or before 31 January 2022.
  • The total cash rewards will be accumulated based on the total number of the referrals submitted by 31 December 2021 and with the condition that the loan must be booked on or before 31 January 2022.

Click here for the full Terms and Conditions.

Start earning in just 3 simple steps

Enter your details.
Step 1

Enter your details.

Generate your unique referral link.
Step 2

Generate your unique referral link.

Share your link and be rewarded.
Step 3

Share your link and be rewarded.

Please fill in your full name and NRIC number as shown on NRIC. Failure to do so will result in the referral being invalid.

By clicking to share, you acknowledge that: (a) you are agreeing to take part in 2021 Citibank Home Loan Referral Programme (b) you are giving your consent to Citibank to process your personal data for purposes in relation to the Programme, including rewards fulfilments, Citi screening, Sanction screening (c) you agree to provide any supporting documents, including copy of your NRIC and copy of your bank documents to Citibank for rewards fulfilments and (d) you agree to be bound by the Programme terms and conditions and relevant terms and conditions governing your access to Citibank Online, as may be amended from time to time.

Keeping personal data of individuals secure is a top priority for all of us as Citibank. Please refer to our Notice and Choice Principle Statement accessible via which outlines how we intend to deliver all the rights and protections you are entitled to in respect of your personal data.

Here’s the link to share with your friends

Share your referral invite link

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