how do u link your cc in cimbclicks? i only can see my savings account

under your account sumary

Why does CIMB Enrich got annual fee?

It is co-branded card - normally it is harder to obtain AF waiver for co-branded card unless the AF waiver is part of their marketing strategy. CIMB Petronas card falls under this AF waiver category but the Enrich card is not.

I applied CIMB credit card VISA and MASTER CARD recently, the cc officer told me that they gonna charge me annual fees for VISA but free for life for MASTER CARD...

I immediately ask the officer only proceed with MASTER CARD application only......

if i wana buy bike using credit card ? how much the interest they charge?

This post has been edited by dello: Oct 20 2009, 11:28 PM

You have to ask the seller.

How come? Cause from what I understand from the table it means if you spend RM 1,000, and it is within the range of RM 501 to RM 1350, then the rebate will be RM 1,000 x 0.007 = RM 7.00
If spend above RM 5,000 then no rebate. Spend RM 5,000 then just simply RM 5,000 x 2% = RM 100. It is not like calculating personal income tax I think. Any feed back will be much appreciated.

citibank working speed i think now can compare with Maybank liao ....

i request for a conversion from citi plat to citi shell gold 1 mth ago ... the first time i fax over the form , they lost it ... then i fax in again , this time they got it n said will b processed within 2 weeks .... today since its already 3 weeks , i called up to check n they say stil in process

now all downgrade liao onli left 1 plat cc

but wat i realised is most better benefir n rebates doesnt come with plat cc ... especially citi plat lo ... the cs keep askin me "do u want to downgrade since the plat is a more prestigious cc?" then i said i got rebate from a gold card n nothing from ur citi plat ... so the cs say he will expedite the process ( which is way over the stipulated time frame ) ........

n mbb stil havent got my amex gold cc submission eventhou already 2 mths

That's how tiered rebate rate system works. I'm 100% SURE my calculation is correct.


That's why I cancelled my Citibank Plat cc recently. And now, I hold very few CCs and all of them have been used for less than 12 months!

i understand that Enrich is for MAS only. how about using Enrich CC pay other airlines flights?

does it entitled the mileages point?

another Q is, did ur got apply frequent flyer membership even ur have enrich?

that means if your monthly spending is less than RM2551, you're better off with 2X points huh

This post has been edited by alexwsk: Oct 21 2009, 01:15 PM

For Alliance cc, you get cash rebate and earn reward points simultaneously. 1x point for every RM1 spent locally. If you have Alliance Plat cc, you'll get 2x points for RM1 spent in overseas. Therefore, if your spend less than RM2551 monthly, say RM2550 using Alliance Plat cc, your total cash rebates (including points translated to cash back) for every RM1 spent locally and overseas should be >1.2%and >1.6% respectively. If you spend up to RM5k like what I did last month, the actual total rebate rates are even higher at approximately 1.8% local and 2.2% overseas.

ic, alliance oso gives points on top of rebate, not bad at all

Yes, you can pay other airlines using your Enrich cc as the same way you'll get points for normal retail purchases. It is just that if you use it to pay for your MAS flights, you'll get more points. BTW ... I should refrain from using the word points because you will be rewarded with Enrich points instead of your regular points. (Credited monthly to your Enrich account)

If I'm not mistaken, at the point of application you'll be asked for your Enrich membership. I assume if you did not fill it in, they will open another Enrich account for you. Well, that's what happened to me and my MBB KrisFlyer cc. I did not fill in my Krisflyer details and they opened another KrisFlyer account for me. (Disclaimer : It may not happen that way for Enrich coz they may encounter a duplicate should they use your NRIC details when opening the duplicate Enrich account)

You are wrong my friend...
Younique same with Alliance Bank Gold card.

Basically how it works is really the same as income tax.

I called and verify with the CS already. I have however cancelled the card because the statement is not good. I cant really remember how much I spend on what and therefore always felt the rebate is somewhat low. I prefer Citibank way of accumulating till RM25 and then give it all in one go. Now I kinda prefer SCB Plat which gives the rebate straight away instead of having to accumulate it or bring to next month.

Cash rebate rate for Alliance Younique is much higher than the conventional Alliance Gold cc. In fact, Younique MC's rebate is only slightly lower than Alliance Plat cc, on par with the latter in general.

If I am not mistaken, Citibank cash back cc only gives a flat rebate rate of 0.5% if you don't carry forward outstanding balance. Besides, no reward points are given.

As for SCB cc, I know only Just1 Titanium MC and SCB Business Plat cc give cash rebates. Were you referring to SCB Business Plat cc anyway?

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This post has been edited by miaomiaolala: Oct 22 2009, 12:14 PM

Hi

i hav a airasia citibank card....
now caught in that they jz charge me the annual fee.....
any idea how can get it off?

1. Call Citibank
2. Ask the CS politely whether the annual fee can be waived.
3. If you are nice then likely they will waive it for you.
4. No threathening tones or threats please.

CC users are civilised folks. If you can't get the waiver then either pay the AF or consider cancelling the card.