Guys, i just received my Citibank Cash Back VISA Platinum credit card today via Poslaju. I actually applied for CIMB Bank World MasterCard and OCBC Titanium MasterCard before this. Many of you already know about the CIMB Bank story so i'll just skip that part. OCBC rejected my application. No reason was given and they did not ask me to provide my income documents either. The OCBC Bank customer service officer i spoke to just told me my application is unsuccessful but i can try to reapply again 6 months later (which i definitely will).

Anyway, i was really fed up already but last week, i decided to try my luck again. This time with Citibank. OCBC Titanium MasterCard has always been my top pick but what to do, i was rejected so i had to move on and look for the next best card. I applied this card through an agent since there is no Citibank branch here in Kota Kinabalu. The application was submitted last Tuesday and i received the card just about an hour ago. Definitely very efficient of Citibank

So, there are a few questions that i want to ask you guys.
1. Do i have to request for the credit card PIN number or they will automatically send one to me ?
2. In order for me to get the free RM60 cash, i will need to register for auto-debit under one bill. Currently i already have my TM Streamyx bill signed up for auto-debit through my HSBC MasterCard. Can i just call HSBC to cancel the auto-debit ? How long does it take ?
3. It says that i will get 2% rebate at all Watson and Guardian outlets. Is this restricted to over the counter prescription only or all items bought there such as shampoo, hair mousse etc. are entitled for the 2% rebate as well ?

Thanks in advance.

This post has been edited by MilesAndMore: Oct 26 2010, 03:55 PM

I did actually. They did not ask me to give them my income documents though.



Oh really ? I did not know that. Didn't receive any sms from Citibank either. I didn't even know my application has been approved until just now.


Thanks ! It is not my first choice but i guess i just have to use this for the time being. Will definitely try my luck with OCBC Bank again 6 months later (5 months to go actually).


Read the whole thing. It just says Watson and Guardian and that's it. Thanks by the way.

This post has been edited by MilesAndMore: Oct 26 2010, 04:28 PM

Applied before Raya. Whole process took more than one month. Appealed last month but still unsuccessful. Anyway, as the customer service officer said, please reapply 6 months later. That is what i am going to do. For the time being i'll just use this Citibank cash back VISA Platinum. After all it is better than my current HSBC MasterCard that gives no point for petrol. Besides, HSBC has recently increased the rewards points required to redeem a RM50/RM100 voucher

Anyway, i will still keep my HSBC MasterCard. Will use it for all other purchases that the Citibank Cash Back VISA Platinum only gives 0.3% cash back.



Thanks. I signed up for auto-debit through TM Point actually. The bill for October came out last week but i have not been billed yet. No sign of the RM2 rebate from TM either for signing up for auto-debit. I now wondered if TM has processed my auto-debit request ... kind of weird that the October bill has not been charged to my credit card yet.


Fantastic ! We buy a lot of things from Watson and Guardian every month. Glad to know i'll get 2% rebate from now onwards


Noted. Thanks.

This post has been edited by MilesAndMore: Oct 26 2010, 06:53 PM

Just a few weeks ago. A month ? Wow, definitely very 'efficient' of TM eh ? Anyway, will go to TM Point tomorrow to cancel the auto-debit instruction. After that will call Citibank to enroll in One Bill.

SHELL Citibank VISA

Yeah. In fact, the card was sent out on 23/10/10 (Saturday). Took them just about 5 days to process my application And surprisingly, the credit line given is even higher than my HSBC MasterCard

This post has been edited by MilesAndMore: Oct 27 2010, 12:50 AM

No. I have not. Then how come HSBC is so strict in increasing its credit card users credit limit ?

Well, it is a foreign bank. It's British born in British Hong Kong My mom told me this is the only bank in many small towns in British North Borneo (now Sabah) in the 50s-70s.

Anyway, Citibank is a foreign bank too but they are not quite as strict as HSBC.

This post has been edited by MilesAndMore: Oct 27 2010, 02:13 AM

I suppose so.


Great. Can now pay online. More payment options for us the consumers. I am hoping we will soon have those AXS machines like those found in Singapore. It is so convenient


So good. I got nothing

Just came back from TM Point. Was told that when we sign up for auto-debit payment for any of your TM bills, it will only start debiting your account from the 3rd month while the cancellation will take 2-month to process.

Anyway, called Citibank and signed up for One Bill payment for my TM Streamyx. Was informed that it will take approximately 2-month before the first amount will be charged to my account.

Up to 45 days approx. Some people get theirs approved in just one week. Some waited for 1 1/2 months ...


May be you can try to call them tomorrow or Friday. You can find out the status of your application with just a call to their credit card centre.

Yeah. It's RM88 or RM188

Sweet !!!

Next time pay using direct debit. You don't have to pay the convenience fee then.


Mine was charged on the second month after the anniversary month. So i guess it's the same for yours too.

By the way, HSBC launched a co-branded VISA Infinite and VISA Signature card in Taiwan just a while ago. Though a co-branded card, it probably is a sign they might introduce these cards types to other countries where it has a significant retail banking business too

But at the end of the day, you'll still earn nothing (using RM600 as example) as the supposedly rebate earned will only be used to cover the RM6 charged by Air Asia. Besides, the OCBC Titanium MasterCard comes with a capped of RM50 cash rebate per month. Better charge something else to the card.

By the way, Air Asia is charging RM6 convenience fee per sector flight right ? So if you buy a return ticket you'll be charged RM12 for convenience fee alone, am i right ? I'm not familiar with Air Asia. Helped my friend to buy one ticket before and paid everything using direct debit. Didn't have to pay convenience fee.

No. That is not true. The HSBC Premier MasterCard issued by HSBC Malaysia is not a World MasterCard. HSBC has a standardized design for all its Premier MasterCard which is why the word "world" is also printed on the card where they do not actually offer a World MasterCard. The HSBC Group only issues World Premier MasterCard in USA, Japan and Australia to date. They only offer a regular Premier MasterCard in the rest of the countries.


He was referring to the Air Asia case.

Encountered similar problem. I usually pay for my TM Streamyx bill online via TM Online but i was at TM Point to sign-up for auto billing early this month. So i decided to pay for my September bill there too. Went there again last week and in their record, i have not paid for the September bill yet

But sometimes you do know these bank employees do not understand their card product very well right ? HSBC Group released a statement a year or two ago that USA is the first country where it offers a World MasterCard follow by Japan and Australia. They do plan to roll this card out in all other countries but thus far there is no news on this. Australia was the last addition to their list of country that offers World MasterCard from the HSBC Group, if my memory serves me correctly.

And yes, HSBC Holdings has indeed signed up to offer World MasterCard from MasterCard Worldwide but Malaysia is not yet in the list it is offering this type of card.

Not just HSBC but the banking industry as a whole.

Argh ... the VISA Platinum. Asked if it is possible for a Premier customer to get this card instead of the Premier MasterCard but was told it is not possible. They said even if a Premier customer requests for a Gold credit card, he or she will either have to pledge a time deposit account or apply using the normal route which is to submit your application with your salary slips.