Hi guys,

I applied the Public Bank Credit Card Gold along when I did my car monthly payment. The thing is I am very new about these kind of things.

I want to ask if is there any yearly or monthly payment? From what I heard is that the yearly payment is waived as long as my car payment is still going on (which is 9 years) (Is it because they expect me to pay for the car using the card?). Also, let's say I bought RM 2000 stuffs. I paid RM 200-300 per month. Then how much interest r they going to charge me?



1. Annual Income: RM30K to RM35K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Mostly going to be Petrol purchases (swipe twice a month, or so), but can also be used for emergency or online purchases, and emergency swipes while travelling/holidaying (in Malaysia and overseas)
4. Existing credit cards if any: Debit card mostly
5. Looking at CC from: Citi Bank Clear card as I saw there's 1-1 free ticket for cinema and Coffee bean as well

This post has been edited by NothinUnusual: Sep 15 2013, 04:23 PM

Ahh...I see. I've read up a lot. All of them feels like there's a trap behind it haha For now I am thinking of applying Citibank Choice ( no annual feel for both principal and supplementary holder and it has 50 rewards points for petrol if u pump 50 bucks in 1 go) and then Citibank Clear for the 1-1 Coffee bean and cinema deal. The first year annual fees is waived for my public bank gold visa card. I think I'm gonna cancelled it once it reaches 1 year

Wat do u guys think?

EDIT: Hmm based on this calculator here for Citibank: http://www.citibank.com.my/english/docs/us...-calculator.htm

Let's say I purchased RM 2000 and I am paying RM 500 per month.. the interest will be RM 65 only per month or until everything is paid off? @@

This post has been edited by NothinUnusual: Sep 15 2013, 07:03 PM