Based on my experience, Citibank is the fastest and most efficient in processing cc application. I submitted my application through a branch and received the cc via Poslaju in just 3 days.

For Citibank, my experience, u need to apply online will be faster, which means you submit ur details online. then some1 will call you. Then that sale will help you to push it faster?
why you want Citibank? i gonna to cancel all my cc from that bank.. haha.. sorry being anti citibank.. haha.. make sure you have citibank branch around you. else forget about it.

@btr999

We avoid being judgemental about the product unless it is substanciated by a story. If you have a bad experience then share it with us here if you have nothing to hide and willing. Otherwise I guess we will be in bewilderment as to what was your bad experience with Citibank. CC products and experiences differ from one person to another and not necessary you have a bad experience, everybody else will have the same problem too.

Same thing with feature, gifts and discount - different people will have different expectations. Unfortunately Citibank does not meet yours but were you expecting the bank to go all out to shower and pamper you with priviledges that are individually tailored to you ? Even a platinum card holder from this bank would not get such treatment! If you don't like them then just cancel the card ... simple, no headache involved and no need to be upset. These days if a bank refuse to approve my card application (even more if they ask me to do things which I don't fancy) then I told them to just withdraw the application and thank them. It bewilders them all the time coz they expect me to shout and be upset.

I myself always have a story about a particular card product and I did share the story here and even offline. (in PM to whoever asked me) I don't work for Citibank to say the things in their defense above. (I too have my fair share of good and bad experience with them) I just find it puzzling that we always come across people who rants when things don't meet their expectation (not just here but in other threads as well) but in actuality did not understand what was the product offering and whether it meet the person's expectations of what the product should deliver.