just a recap, how many of the forumers here have the Citi Prestige MasterCard World Elite?
i just got mine last month and am having a blast.

there are other people in another thread (for example Mr.GenXYZ) complaining that the card has lower points and he is not willing to pay RM 1K. i wonder how many actually got it. because anyone who travels a lot would benefit the card. i have used the card so much that I have easily got back by 1K within 2 months.

citibank ten lifestyle concierge is simply awesome.

the pathetic maybank visa infinite allows only 5 trips via priority pass (which requires an annual income of 180K)
this citi prestige card has no limits.

frequent travelers using air asia or other economy airlines who are eligible should really apply for this card.
skip the free comission hogging agents, they are not able to give you any extra offers for this card, apply direct.

saya setuju

2nd year is a long time. most likely not, but by that time there would be newer cards
for example few years ago, platinum was king
then came titanium
then came visa infinite/mastercard world
this is mastercard world elite
i would consider changing next year.

spend 3K within the first 3 months and get a Nikon 1J2 camera with additional lens worth 2K++ (current value for bargain at lowyat is 1.6K). or if you think this camera is bullshit and inferior, you will get Rm900 credited to your account the 3rd month. so your actual expensive is RM100 + RM50 for government tax. book a nice golf session with your friends in singapore or tropicana or fly air asia to australia or something, get to use the lounge there which is shared with some business class airlines, then book a one for one hotel room, you can more than your money's worth. so far i have booked 3 golf sessions (turned down once due to full house) and used my priority pass about 20 times.

the plus:
mastercard world elite concierge is better then visa infinite from my experience
alliance bank does not give you the world elite features such as one for one hotel stays and golfing green fees.
maybank has this with their own program but the booking is always full and has a quota for card members per day.
world elite has a quota too but i believe the limit is higher judging from my experience that i rarely get turned down.

cons:
yes the points multiplier is low, therefore i use my premier miles for shopping
reserve this card for overseas spending because it gives better protection and insurance in case the purchased item goes bad.
limo ride home is nothing, it comes free with visa premier miles a well. there are tons of people queuing at the counter at KLIA pathetically? do you feel privileged nah....

This post has been edited by Berkshire Breakaway: Feb 7 2014, 03:08 PM

did you guys also know that if you have a rewards citibank card you can still do encashment with the ratio of 200 points to RM 1 by calling citiphone?

of course that's only 0.5% and it is low compared to cashback cards but there is no limit!
this is very useful if you have a rewards card and have a lot of points, but later on you cannot find any nice products to redeem on the lousy rewards catalog.

proof:



sharing is caring! aye?

no offence but to me this Credit Shield Premier is stupid
of course protection is there but the insurance is over priced
so many people without life insurance, medical etc(which i think is more important) still take this credit shield program

especially young guys these days can be easily coerced by young sweet looking female agents with a lot of make up who cannot even explain their product well enough to sign up for this credit shield so they can maximize their commissions.

in the end they say citibank cards are lousy. they may be sometimes, but for this case above, the card holder is the lousy one.

nope, the installment comes from your main credit card spending limit, especially if it is 0% installment.

for example, if your credit limit is 90K, when you buy a sofa for 6K and convert it into 0% easy payments for 24 months, this 6K will be locked in for 2 years (deducting the installments you have already paid)

if you check from your statements or from citibank online, there is another limit which is roughly 3/4 of your credit card limit - this is for dial for cash/personal loan etc. you can try convincing customer service to convert your purchase to a "interest bearing" installment to use this amount - depends on your luck.

also explaining further for the benefits for others - the main plus point about 0% easy payment is to have better leverage/free margin for cash flow. if your intention is to use it to spend more than your credit limit, you have the concept wrong.

thanks for confirming.
i wrote the detailed explanation not only to respond to vickyvoon
but for the benefit for all LYN forumers

you do know this is not a credit card right?
this like a ATM/debit cards of a "line of credit account" as opposed to a checking/savings account.
i am not a mod but this kind of cards should not be discussed in this thread

a lot of us here use credit card for leverage, not paying a single cent of interest
we only want to discuss credit cards here
perhaps you should create a different, or go somewhere else

thank you

Please continue here

https://forum.lowyat.net/topic/3145117

MilesAndMore please help close