Citibank Shell only gives you 2.5% on Shell Petrol and 0.75% on others. 5% and 1.5% only if you have outstanding balance if I’m not mistaken.
They have promotion last time of up to 10% rebate with outstanding balance condition of course.

I think the air flight benefits (insurance coverage, compensation) only applicable for principal cardholder and not applicable if you buy for others. You may need to check on this further. So any card offers 1% rebate which is equivalent to AA 2x points should be fine. For AA, you can have 1-day priority booking if that concerns you. For special fare, local flight doesn’t seem to really benefits. It’s already very cheap at promo price.
However, I always heard my brother complains about this card like the priority booking.

Citibank cashback plat offers you 5% rebate for any petrol, 2% for pharmaceutical, groceries and certain bills payment, but the retail purchase/ others only 0.3%. Petrol only capped at RM600, which is RM30 rebate.

In my opinion, citibank needs to come out with new benefits (they have already got many type of cards) or re-launch certain cards like what OCBC does.

Like what the others said, depends on your needs. I would think OCBC Ti satisfies most people’s need. 5% on groceries, utilities bills, restaurant, petrol and 1% for the others.
Maybe you need to ask yourself a few questions like
i) How much do I spend each month?
ii) What are the categories of my spending? Petrol, air tickets and…?

Then you can find your best cc to suit you. But you said only want to apply during Dec after your current debit card promo ends, so maybe that time got other better cc offer that suits you.

hi guys..

want to ask regarding GST..

anyone managed to offset theirs??

especially HSBC CC holder...

Impossible for HSBC.

Impossible for HSBC.

I gotta say this but I may have seen so many folks coming in here and getting excited about applying so many cards and then asking for RM50 tax waiver.

Wake up guys! One of the reason the tax exist is so that the public are discouraged from holding too many cards. And in actuality it is not a waiver ... the bank pays for you. Gov still gets the money!

I agree with Hye 

btw just want to share with the rest about reloading touch n go with CC. we can actually reload touch n go at any petrol stations/kiosks that have the topup machine and have cc terminals. charge is 50 cents same if we are reloading using ATM (bank account). better than zing card as well (RM1-RM2 depending on banks)

Wat did ur bro act complain abt tis card regarding priority booking? Can share more regarding this issue?

I gotta say this but I may have seen so many folks coming in here and getting excited about applying so many cards and then asking for RM50 tax waiver.

btw just want to share with the rest about reloading touch n go with CC. we can actually reload touch n go at any petrol stations/kiosks that have the topup machine and have cc terminals. charge is 50 cents same if we are reloading using ATM (bank account). better than zing card as well (RM1-RM2 depending on banks)

then have to use points then to offset..

what a waste for my point...when can use for other redemption..

Hi,

Does Visa/Mastercard/JCB/Diner's Club/Amex get membership fee from the bank when the bank waived annual fee for its cardmember? 

btw just want to share with the rest about reloading touch n go with CC. we can actually reload touch n go at any petrol stations/kiosks that have the topup machine and have cc terminals. charge is 50 cents same if we are reloading using ATM (bank account). better than zing card as well (RM1-RM2 depending on banks)

If we use cc to top up TnG, the reload amount must be at least RM100 to achieve breakeven point.
My breakeven point is based on usual return rate of reward point (200 pts = RM1), ie. 0.5%.
Reload of RM100 will earn 100 pts, which in turn translates to RM0.50 upon points redemption.

Anyway, reload using Shell Gold card may save a bit more, really just a bit.

CIMB Bank account holders can now reload your "Touch, Wait & Go Card" without incurring any service fee via any CIMB Bank ATM that supports "Touch, Wait & Go Card" reload.

not all ppl has CIMB account perhaps CC is an alternative as it has the same charge with other bank (except CIMB)

Thanks for your information. I never reloaded my TnG at any petrol station but only toll booths.

Toll booth doesn't accept CC.

Petrol stations charge 50 cents for each reload. If you reload RM 250, you need to do it twice.

Maybank ATM also charge 50 cents.

Therefore, I prefer to top up at KL Sentral T&G Centre with CC without no charge imposed.

Thanks for your information too 
I wonder PLUS office can accept CC reload ?

The PLUS office at Sg Besi, heading from south, does accept creditcards.