It is a similar tactic used in USA and Singapore.
Which is really low for a Platinum series credit card. Anyhow, nobody really pays annual fee nowadays. The annual fee can be easily waived by calling up the credit card centre when it's due.

for credit limit...i think citibank is the kindest....

i still remember last time i got 3 credit card all same amount except citibank give me the highest...

As far as I'm concern, I still can't find any other petrol card better than Citibak Shell Gold which gives 2.5% direct cash rebate (shell petrol only) + 0.75% rebate for other retail transactions credited to your account every month. 
I definitely think so. I'm no longer a bachelor and I have to do Weekly grocery shopping for the family and the amount paid rarely below RM100.  You can also see thousands of people with their full loaded shopping carts waiting in line to pay at the cashier every weekend nationwide.
I'm talking just grocery spending alone. For May last month, Malaysia have 24 million credit card transactions and RM5.73 billion spent by local card holders.

hi all sifu..what's the best way to pay utilities bill with our cc? walk into the bank or register with the utility centre e.g maxis centre?

But you will get 2 x RM150: one for each card (that's what I've been told)