Hi fellow citi cardholders, im not sure if this is the place to ask.
Im having citi premiermiles card, and also Enrich membership. Recently MAS joined oneworld alliance, means we can use our Enrich miles on other airlines for redemption, right?
As I checked in citi website, 1 PM point is only entitled to 0.73 Enrich miles. However for Cathay Pacific, which is also in oneworld, 1 PM point is 1 Asia mile.
Would it make more sense to redeem my PM points in Asia miles, and use it for MAS flights? Since the exchange rate is higher, I can get more miles with Asia miles with my PM points..
Sorry if I posted in the wrong place becos this concerns both travel and PM points redemption.. Mod pls delete my post if not relevant here.

Hi, i am not into miles, but maybe you can get your asnwer here:
http://forum.lowyat.net/topic/2635281

But promotion ended on 31st Janurary wor...

notingz You may keep your opinions and thoughts - it's all yours and you are entitled to it.

I will not allow misleading information to exist here. I hope this ends here and I do not wish to prolonged it or do you want to remain hostile ?

This post has been edited by hye: Feb 4 2013, 07:28 PM

My humble opinion is the word member here chosen to interpret how to save money for paying GST. In view of legal, there is no way to "waive" GST, but bank can offer some incentive, such as reward point & cash rebate, and you may use these incentive to offset the GST you re obliged to pay. It is same practice on paying personal tax, gove offer some incentive for public to offset the tax you re obliged to pay but it doesnt mean the partial of initial amount you should pay is "waived". Hope it clarifies

Spot on mate

the word 'waived' here is not illegal unless i post porn here then it is strictly prohibited. forum is a place for discussion, if the members here use the incorrect word such a 'waived', we may educate them to use the correct word instead of just keep on deleting posts and those new comers don't even know wth is happening and their posts just gone missing.

refer to the below picture, even Bank Rakyat use the word 'GST waiver', if it is misleading or improper, i think someone would have reported it to Bank Negara.

Dear hye,

please don't think that you are always right. listen to others. you don't own this forum or this section of the forum. thank you!



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yea...at least you should let us know before just simply delete the posting. Newbie like me thought the system got error, or every midnight have cron job run which will affect the posting... You should tell us the reason, before delete. So are you just punish your kids without telling him what is the reason/whats wrong with him?

This post has been edited by red_scorpion: Feb 5 2013, 12:24 AM

Refer OCBC website with good FAQ.
http://www.ocbccards.com.my/overlay/CCServiceTaxFAQ.aspx

Btw, 2 wrongs doesn't make 1 right, I.e. Bank Rakyat's case.

Also, I think probably most bank's sales person are to be blamed for misused of the word "waiver".

I agree. Other banks have been very careful, choosing terms like offset, rebate/cashback (with conditions and so on) but never waiver.

This post has been edited by Human Nature: Feb 5 2013, 12:48 AM

If you use google to search, the term similar to gst waiver appears in Ambank, Amex, HLB, CIMB etc websites or their enclosures. There are more than 2 wrongs there.

What i tried to emphasise so far is we are more concerned towards the substance rather than the form. Waiver, rebate, cash back or usage bonus are just a term to described the RM50 subsidies by the banks. As long as it is understandable, why are we so particular on the specific term being used?

Maybe hye is worried LYN will get sued and moderators will get Demand Letters

boss, i do agree with you. sometime, some people just too involved into the internet world, or might having some bipolar syndrome. to me, it does not matter which word to use, as long as the rm 50 is waived.

so, pointless to argue here, what important is, once a while, log into this website, and check it out which credit cards in malaysia have anything special offered to us.

p/s - i got the info regarding standard chartered bank credit card in this website, i end up 1750 richer include my wife.

That's the thing. The term "waiver" used by some of these local banks is wrong because they are kind of like the collecting agency only in this case and they do not have the right to waive the credit card service tax. These banks may however offer various types of incentive to offset the cannot be waived credit card service tax. Since we know the term used is wrong, why should we continue to use something that is wrong ?

nothingz If you do not care about accuracy of the terminology, I'll appreciate if you keep that as your preference.
I don't see why us and especially me need to agree to your preferences especially when accuracy is compromised and readers can be confused.


MilesAndMore Thank you.

This post has been edited by hye: Feb 5 2013, 09:49 AM

Accurate or misleading is not up to you alone to judge, there is nothing to prove you are right either.

One thing for sure is you deleted my post again on how i pointed you as double standards. Such a disgrace to the mod team for not able to admit your own fault

Amex FAQ: http://www.americanexpress.com.my/membersh...exfaq010110.pdf
"4. Can I request for a waiver?
No, I am so sorry that we can’t waive the service tax. However, we are glad to inform that you
may redeem the service tax using your Membership Rewards (MR) points."

HLB FAQ: http://www.hlb.com.my/pfs/cc/ccservicetax.jsp?flag=ccimpnote
"Can the service tax be waived?
No. However, we have extended our reward redemption option to allow our Cardholders to use their reward points to redeem against the service tax. "

Ambank can't seem to find their FAQ, however this is stated in their AMBonus Rewards Porgram: http://www.ambankgroup.com/en/Personal/Car...Redemption.aspx
Which they termed as GST Waiver Redemption: "Now with only 5,000 AmBonus Points you can offset your Credit Card GST! "

CIMB FAQ doesn't mention about GST waiver: http://www.cimbbank.com.my/index.php?rp=card+gst

The point we are trying to highlight here is GST is levied on the cardholder and the bank "technically" cannot waive it. They are only paying on behalf of the customer by giving out "offset programs" eg points redemption, or if one spends above certain level, etc... program.

Hope it clarifies. Let us drop this and go back to the discussion on Citi's card.

It still does not solve the issue of posts being deleted without reasons given. If a member asks on gst waiver, i correct him and reply on rebate but still both posts will be deleted. Banks can use this term but we cant.....

The matter will not end until your dear friend hye stops his nonsense

I just submitted the card upgrade form to Citibank yesterday, normally how long they take to respond whether approved or reject the upgrade?

not sure i missed it or not but the website doesnt state any timeline