Acceptance takes place when you sign and submit the application form, or in your case, giving any consent. I believe once the account no is generated, the GST will be imposed. Activate or not, in my opinion, is a security measure but has no bearing on the GST because most of the time, the GST will already appear at the online banking system.

ic. sigh then. coz i was so busy and when i wanna use the card only realize that it's not activated. and thus 3 times swipe couldn't realize and gst 50 imposed. just felt like they didn't activated my card and want me to swipe 3 times to get the gst waiver. sienz..

contact the Bank and try to nego

I called Citibank last week and they waived my wife's PremierMiles VS annual fee and my Platinum credit card annual fee. And the only time we used the Citibank cards last year was for free tickets at TGV

However I did use it at KLCC GAP this week where Citibank card holders are entitled to 10% discount.

Good to know.... come July I'll have to do the same to call in to waive PremierMiles AF/GST or cancel it.

Just submitted my letter requesting for cancellation of my Citi PM last week.

Not too happy with the service. Been a Citi cardholder for 6 years with not a single late payment. Requested for the new design PM card with card replacement fee waiver. Request rejected.

Requested for the new design PM card with card replacement fee waiver. Request rejected.

Is there a new design for PremierMiles ?

Found the New design


Old Design

Maybe bkos u paid promptly all the time, not a 'profitable' customer for them, that's y reject ur request... haha.., I think the Bank always give better deals and promo to new cardholders than to existing cardholders...

The photo of the "old" design is my wife's card 

Anyway, the new card does not look any nicer and looks more like an airline credit card, haha

sorry to say when i applied it online the CS STRICTLY (u all should hear her serious firmed voice when come to this part...hahahaha) asked me this question over the phone:

1) the income must be more than rm200k per year (must with prove of income tax payment slip and bank statement clearance)

2) no automatic welcome gift but i will get 180k points that equivalent to the camera(i will check this when i receive my first statement)and ofcoz with terms and conditions..anyway i dont mind this welcome gift or points its not important to me furthermore iam lazy to read the t&c..

3) strictly no annual fees to be waived for any reasons whatsoever..rm1000 i dont mind this too

why my application processed so fast without any hassle?
coz i gave them all the documents, all my bank statements (6 months) and everything i have to them..lol

i guess the strict min income imposed here due to the new card introduced to the market..maybe oneday the requirement wont be so strict anymore..(correct me if iam wrong)

wow.. credit used 8.8k. i cant remember when was the last time i spend more then 3k on a single card....

look at the reward points!!! But if use MBB maybe it can be close to 1,000,000 points 

look at the reward points!!! But if use MBB maybe it can be close to 1,000,000 points