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? @@