Means above 120k not qualify lah Then Citibank target what card to users above 120k ?

Either
(i) Bring any existing CC that is under your name as principal card holder, which you have hold for >2 years.

- or -
(ii) Bring 3 months salary slip and/or EA form.

+1

It is a >20 years old mentality about global recognition CC. There is no point using global recognition or what-not if the transaction cannot get through. It is just a feel good factor for your ownself.

The point is the features/services/facilities offered. e.g. For frequent business traveller, airport lounge entry is good. Immediate increase in credit limit with single phone call is good, if you need it. CC replacement, customer service for certain things, etc. if you always need to call up to request help/concierge.

Other than that, all global/local banks CC have the same acceptance overseas/local, as long as it is standard visa/master/amex/diners/JCB/etc. and the merchant accepts it.

Hotel/retailer/etc. have both local & overseas clients, and they have seen more unknown card/banks globally. It is nothing to them whether it is plastic/gold/plat/blue/black/etc card, as long as the transaction goes through. Again, it is your own feel good factor to swipe a plat rather than a classic.

+1

For those who ask to recommend which card recently for their petrol or groceries usage, and also to other forumers, it may be better if you can provide more details. It will help in recommendation.

e.g. Petrol:
Petronas : Better to use MBB Petronas for 5x + Mesra points
Esso/Mobil : Better to use MBB Amex Gold Credit Card for 5x + Smiles points

For groceries, mostly:
Tesco ?
Giant ?
Carrefour ?
Jusco ?
Cold Storage ?
Mydin ?
Chow Kit Wet Market ?

This is due to different banks and merchants have slightly different pros & cons.