Citibank Cash Back Credit Card 现金回扣信用卡

Updated: July 6, 2019 / Home » Financial Plan » Credit Debit Card

Citibank 推出了 Cash back Credit Card 和 Cash back Platinum Credit Card 现金回扣信用卡,到油站打油有现金回扣 10% ,打 RM50 扣 RM5.

这个 Citibank 信用卡的好处是一年 365 天都有现金回扣,意思说我们只要刷卡或用信用卡购物买东西或过账付款,我们都可以有一定数额的现金回扣。这个现金 cash 是直接进入我们的信用卡的帐户里头。现金回扣的好处是直接有现金,而不需要用累积分数 point 来换东西,非常方便。

最重要的是只要月入 RM 3000 就可以申请 Cash Back Credit Card, 而月入 RM 5000 就可以申请 Cash Back Platinum Credit Card.

不像其他的信用卡回扣,Citibank Cash Back Credit Card给予的现金回扣不止回扣率高,而且很多日常生活用品或生活需求都有得回扣。其中的回扣 rebate cash back 包括: Petrol 汽油,Dining 用餐,Grocery 日常用品,Grab Rides 交通费 及 others 其他。

Citibank Cash Back 信用卡值得拥有

以下是一个简单的图表让大家知道 Citibank Cash Back / Cash Back Platinum Credit Card 信用卡回扣。

CategoryRateMonthly CapMonthly Cap (Platinum)
Petrol10%RM10RM15
Dining10%RM10RM15
Groceries10%RM10RM15
Grab Rides10%RM10RM15
Other Retail0.2%uncappeduncapped
RELATED  Proton Inspira 与 Mitsubishi Lancer

如果我们使用 Cash Back 卡到 Petronas 或 Shell 打 RM 200 的汽油,到外用餐 RM 100 ,到 Tesco 购买 RM 200 的日常用品。那么我们可以有多少 rebate cash back 回扣现金呢?

  • RM 200 X 10% = RM20 (Cap RM10)
  • RM 100 X 10% = RM10
  • RM 200 X 10% = RM20 (Cap RM10)

我们一共可以得到 RM 30 的现金回扣(当然这只是保守估计,还不包括 others 其他花费)。另外,如果一直都有用这张卡,这张卡的年费可以 waive 的。Cash Back Platinum 的 Cap 是 RM15, 所以会得到更多的现金回扣。

有一点要留意的是我们需要花费 RM500或以上(Cash Back) @ RM1500或以上 (Cash Back Platinum) 才能享有 10% cash back 现金回扣哦。不过,相信大家打油、用餐、购买日常用品都超过 RM500 吧,门槛不算高。

当然Citibank Cash Back 卡的坏处可能是分行不多,遇到问题时可能比较难找到人询问。另外,MisterLeaf 并没有这家银行的储蓄户口,所以不能直接从储蓄户口还卡债。一般上, MisterLeaf 要付还卡帐或月尾付钱时是通过 Maybank 户口 transfer 钱到这个卡的,用了这张卡大概有 3 – 4 年了,算是蛮不错的信用卡。

要怎样申请这张卡呢?

现在上网申请还可以得到礼品 Free Gift. 网站内有所有 Citibank 的卡,记得选择 Cashback 的组别哦。申请网站: Citibank Credit Card

如有疑问或建议,可在下面留言或赞(like)我们的 Facebook MisterLeaf 资讯网得到最新消息。

如果觉得这篇文章不错,欢迎分享(share)给身边的家人朋友。谢谢啦。

12 comments on “Citibank Cash Back Credit Card 现金回扣信用卡

  1. NG CHER BOON [ Reply ]

    Does the old citibank credit card have the same benefit? We need to cancell the old card and apply the new one?

  2. 我都申请pass了,都拿不到free gift,失望的

  3. Benefit will get revise after 1st of March 2018.
    Now left 0.2% on all items purchase unless you can spend more than RM1000 on cash back and RM1500 on cash back platinum.
    Although they provide 10% if you meet their monthly spending criteria, but they will cap per category as well. So not a good choice for now.

    You may check through this link: https://www.citibank.com.my/landing-page/newcashbackcard/index.html?ecid=MSOWMMYCBUENNC

  4. Mapple [ Reply ]

    Yes, is a good option can be considered, but they do have annual fees. Can we waive that?

  5. Chow keng chewing [ Reply ]

    Good credit card

  6. 请问如何申请citibank credit card

  7. SIM LEE YONG [ Reply ]

    hello, can i ask, this citibank credit card apply need once year how many income ? thanks

    • MisterLeaf [ Reply ]

      Minimum Income Requirement
      Citibank Cash Back Card – RM36,000 per annum
      Citibank Cash Back Platinum Card – RM60,000 per annum

  8. Vivian Phang [ Reply ]

    请问申请Citibank Cash back credit card 需要什么条件?本人在新加波工作,有额外条件吗?

    • Mister Leaf [ Reply ]

      Vivian Phang, 我相信要申请 Citibank 的信用卡与您在什么国家工作是没有直接的关系啦。无论如何,你可以打电话到 Citibank 问问看。03-2383 4088。

      以下是 Citibank 信用卡申请条件

      Criteria For Application Citibank Citibank Cash Back Card
      Minimum Income Requirement – RM36,000 per annum (Cash Back)
      Minimum Income Requirement – RM60,000 per annum (Cash Back Platinum)
      Minimum Age – 21 years old

      • Nah choon poo [ Reply ]

        Citibank卡全世界通用.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.