Hi Finance Gurus,

I recently got offered the Citibank Cash Back Platinum Card.
http://www.citibank.com.my/english/credit-...ck-platinum.htm

I am currently a Gold Citibank CC user, the normal with rewards one. In my understanding, the normal card i having is i spend and earn points, then use the points to redeem reward/gifts. while the cashback is cash rebates, meaning i spend and get cash rebates but no points no gifts no rewards. Am I right to say this?

Also, those discounts for citibank card for example Sakae Sushi buy 1 free 1 handroll promotion, currently my gold card i can use it and sometime i go coffee bean can get 10% discounts. Hw about this new Cashback card, will i be able to enjoy these discounts/promotions?

Which 1 is more better value? Are the points to redeem the gifts worth or cash rebate more worth?

THanks a lot for your advice !