hi sifus,
i would like to check with you guys which card from citibank gives you the best rebates for shell purchases if you do not have any outstanding balances? i.e. the kind of person who uses credit card just for perks and pays no interests for outstanding balances.

1) citibank cash back platinum (the blue/green card) which claims to give 5%
or
2) citibank shell gold which claims to give a maximum of 8% but i am not sure how it is calculated

my petrol expenses are about rm300-rm400 per month,

FYI i have both cards with me at the moment and planning to cancel one because the yearly GST cycle for one the cards is coming soon.

So the shell card is useless even at shell if I have the green card?

Sorry for not being specific, I thought I was in the Citibank thread.
I meant Citibank cashback visa platinum aka the fake platinum

If use it at shell it has more returns than the dedicated Citibank shell gold cashback?
That was my question.

Very bad....Citibank gives 5%

opsss my bad, was posting on my tablet earlier and never scroll up properly
in that case i think it is a damn good deal.
imagine 5% from credit card + 5% from this smiles card = 10%

do you maintain outstanding balances?
if no, shell gold card is a stupid card
if yes, then maybe a good card

yes problem for you
in that case shell gold cashback card may not be giving the maximum cashback (in fact super super low cashback) - even if you use ONLY shell
why not look at the other cards from other banks and get the citibank platinum cashback?
this is something even i myself just found out.

This post has been edited by aeronic: Mar 10 2012, 05:26 PM

of course the choice is yours
i am just helping to advise
cause i had this card since 2009
that time this was the best cashback for shell
but now some cards give you up to 10-15%
this one gives you about 2% unless you have outstanding balances
then it gives you 8%
this makes this card one of the most stupidest cashback card in malaysia

This post has been edited by aeronic: Mar 10 2012, 05:34 PM

impossible
your 25 could be from your non shell expenses or last month's or are you sure you don't have overdue even a little bit?

since i so kind, here's some stuff for you:




you know in simple england what that means ah?
that means you isi minyak RM 500 and then eat dinner atleast RM300 then only they kesian give you 4% for your minyak only i.e. for the RM 500 and not the full RM800. that works out to be around RM 20. but you are losing out on the RM300 you spent.

but if you don't spend that rm300, you only get rm10.

as per aeronic's calculation, your effective rebates are only 2.5%

This post has been edited by aeronic: Mar 10 2012, 05:57 PM

just like we thought. yeah you don't know how they calculate, but me and some of the forumers do.
the fact that you do not know how citibank comes up with the figure also tells me a lot about you you are quite easy going with the banks one right?
people well versed with cards such as gen-x can count up to ¢level one

ocbc in my opinion is also not one of the better cards
because it is 1% for everything else
it makes a big difference unless you hit the RM50 every month

This post has been edited by aeronic: Mar 10 2012, 09:58 PM