Hi,
I just got an offer from Citibank as an privilege for their CC holder, they offered :

Cash Ready up to RM22K,
Interest up to 3.13%/annum (if not mistaken).
Repayment period up to 4yrs.
Monthly ~ RM470 (for 4yrs if take RM20k)

Anyone got this offer? Is it true tht doesnt have any hidden cost?
Really worthy to take it?

Thanks in advance for any comment and advise...