Over and above the clauses above,all Successful Applicants who makes a retail purchase of RM1500 and above within 60 days from the approval date (“Qualifying Period”) will receive a RM250 Cash Back.
For purposes of this campaign, “Retail Purchase” means the purchase of any goods or services (local and international) with the use of the Card and may, at Citibank absolute discretion, include any card transaction as may be determined byCitibank except for the following transactions:
a)Citibank’s FlexiPayment Plan, Easy Payment Plan, Credit Shield Plus, Card Protection Plan, Dial For Cash, Balance Transfer, Balance Transfer via Installment Plan and Cash Advance;
b)Any refund;
c)Any disputed, unauthorized or fraudulent retail transaction; and/or;
d)Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals,Government Service Tax and any other form of service/miscellaneous fees
do payment like "cukai tafsiran MPPP, water bill, indah water, car insurance", are considered as retail purchase? thanks!

Yup...
Retail Spending (Transaction) = All Purchases of Goods or Services (including all the Billing, Insurance,
Online Purchase also Consider as Retail Spending... Charged to the Credit Card.
for: ALL Cash Advances, Balance Transfer, Instalment Payment Plan, other Credit Plan, Annual Fee & Charges...