OK, according to Citibank website, 2% cash rebate for purchases in Giant, no balance is required. However, for other purchases, you need to have balance to be carried forward for a mere 0.5% (<2k balance) or 1% (>2k balance) rebate. The rebate you get is not even enough to cover interest charged on your cc.

This post has been edited by winner: Sep 22 2009, 05:06 PM

A forummer has mentioned, the rebate is in form of Giant voucher.

But then, why are you interested in this card since Amex gold cc would give you 5x points (equivalent to 2.5% rebate) for purchases in all hypermarket?

This post has been edited by winner: Sep 22 2009, 05:17 PM

As far as I know, there are currently 4 CCs from Citibank offering cash back, namely Citibank Cash Back cc, Citibank Cash Back Gold cc, Shell-Citibank cc and Giant-Citibank cc. All of them require carry forward balance for the cash back. Do enlighten me if I have missed out any CCs from Citibank Malaysia which need not to have balance carried forward for cash back.

Now I get what you meant. You were talking about Tier 1 of the cash back while I was actually referring to the general cash back policy of Citibank.

Nevertheless, Citibank should seriously review its cash back policy. The requirement of "carried forward balance" would simply drive consumers away!

EON GSC cc is customised for movie lovers. If you are a die-hard movie lover, and frequently watch movies at GSC, this cc is suitable for you. Other than this, it is just a normal cc.

A photocopy of IC + 2 months of pay slips, shouldn't be a big issue for you, right? A lesson - do not apply for CCs, MBB in particular, from unknown sales agents.


It is basically not a problem at all, using CCs issued by Malaysian local banks in overseas. In these recent 2 years for instance, I had swiped Alliance, HLB and DA CCs in China, India, UAE, Bahrain, UK, Belgium, Netherland, Thailand, Singapore, Indonesia and Vietnam. The only exemption being rejection on DA in 2 different occations (different years) in Thailand. But these actually happened a few years back.

You need not provide ALL as mentioned. It's bullshit.

Besides IC, you only need to provide a photocopy of your cc which is more than 12 months. If your existing cc is less than 1 year, you can then provide 2-month pay slips to support your application.

Income requirement for plat cc becomes lower and lower. Just imagine, a person who earns RM5k monthly salary could now easily get an SCB plat cc with RM30k CL.

This post has been edited by winner: Sep 25 2009, 09:25 PM

I am not sure about the lowest CL for SCB Plat cc. I know the lowest CL for SCB VI instead. But I know somebody with 5k+ salary was given 30k CL for SCB Plat.

This post has been edited by winner: Sep 25 2009, 11:33 PM

BE form is a form to be submitted to Income Revenue Board declaring your yearly income activities for calculation of income tax. Since you have just started working, you definitely don't have it now. Anyhow, it is advisable not to provide this document to bank for cc application, as it is a very personal information.

Most banks won't allow you to re-apply for cc within a short period after your application being rejected. I suggest you to patiently wait until you get your job confirmation.


I try to guess, after VI and World MC, what would be the next for Malaysian cc market? Classic cc may become a history soon.


If new cc users manage their spending wrongly, our country is heading towards a cc crisis happened in US recently. Cc default rate in US hit the highest in couple of months ago.

If you don't have any CCs on hand, you need to attach 2 or 3-month pay slips with your application. Besides, a photocopy of IC is a must.

Generally, agents will try their best to help you get a cc, as they need the commission. However, it sometimes also depends on luck. If you deal with unethical agents, the process could be longer, as some agents may purposely put your application on hold if they have achived their sales target. Some even automatically apply for you CCs you never apply for. I personally prefer to apply for cc directly from bank. Anyway, since you were rejected by banks numerous times and you are really eager to get a cc, you can try to submit your application through a cc sales agent. You may get some freebies then.

Unfortunately, SCB has suspended issuing this card until further notice. It is the BEST ever cash rebate card I have seen thus far. It gives you 5% cash back for ALL retail transactions (including petrol) done on Fridays and 2% rebate on non-Fridays. On top of that, every RM1 spending gives you 0.5 reward points.

This post has been edited by winner: Sep 26 2009, 03:56 PM

How do you know the 2 CLs of 18k and 25k? It's a combined CL so I don't think there is a split for your CL. Even if you own only 1 card from SCB (either VISA or MC), perhaps your CL for that 1 card is still 43k. Anyway, 43k CL for 3k monthly salary is very high. Perhaps you showed them details of your other side income or deposits in bank?

Out of my curiousity, which SCB Plat are you holding? Conventional SCB Plat or SCB Business Plat?


Under the new CTCS, all local and outstation cheques will be cleared within the same working day if you deposit the cheques before the cut-off time, and funds will be available within the same or next working day. If you find out your cheque is cleared after 3 working days, you can lodge a complaint.


In Europe and US, people don't bring much cash as they can buy almost everything using cards.

In Malaysia, I hate to hear cashier counter staff say this, "sorry, we don't accept cc for spending less than RM50".

If he is working, residing and spending most of his time in Singapore, then it is advisable for him to use CCs issued in Singapore.

Eh... it wasn't me. It was from Gen-X in fact. I don't even have a cc from MBB (I exclude Amex cc).


CIMB is fast but MBB is damn slow on the contrary. Don't be surprised that MBB would take longer time to process your cc application as compared to PBB.

It is not right to force customers using such ugly tactic. It was probably from those unethical cc sales agents or CS officers.


It looks like Citibank doesn't really appreciate you as a loyal customer of 10 years. Perhaps Citibank has huge customers base and can't really take care of every customer. Anyway, if you feel the cc doesn't give much benefit to you, you can cancel it as there are many other choices in the market.


If your friend is a Citigold or HSBC Premier customer in Malaysia, it is good to carry a cc from either Citibank or HSBC as deposit/transfer activities will be much convenient.


You will pay heavy price if you are not discipline and don't understand the concept of such scheme.

I personally don't like to talk about schemes that would potentially snowball cc debts. However, since you would like to solve your financial problem and point your query to me, I would briefly give my view on this.

What's the interest rate offered by Citi for the flexi-payment plan? About 10% per annum? I guess you can get a much lower rate if you opt for Balance Transfer or Personal Loan. For BT, I think CIMB offers an attractive.

If you are HSBC Premier customer in Malaysia for instance, you can open an account in US and link the 2 accounts together. HSBC Premier is quite good.


A LOT of merchants still impose a surcharge on top of the retail price. My most recent experience was with a tiles shop 3 months ago, where I was requested to pay an additional 2% at the moment I was about to make the payment. Although I was unhappy with the surcharge, I still made the payment using my SCB Just1 cc as I had spent more than 1 hour in the shop to select my favourite tiles and I was tired of doing the same process again in another shop. If the retailer told me earlier, I should have already walked away and gone to other shops.

We have long known that. That's why in one of my previous posts, I recommended the forummer to check with HSBC Premier and CitiGold.

In addition, CS plays a vital role for PB business. In Malaysia, I always hear a lot of compliments on HSBC Premier over CitiGold, with the fact that I am also no longer a CitiGold customer but have tranferred my $ to Alliance instead.