Citibank PremierMiles Visa Signature allows its cardholders to convert PremierMiles earned to cash (credited into account to offset bill).

Minimum 5000 PremierMiles = RM90 cash back and increment of 1000 PremierMiles can be converted to RM18 cash back So I am sure you would like to know what is the actual returns right? Click below link to my article to read more.

Review of the Citibank PremierMiles Visa Signature and Platinum Card and their Benefits.

And for those of you thinking of getting Citibank Cash Back Platinum Credit Card, click here to read my short review. The annual income requirement for the Citibank Platinum Cash Back have been reduced to RM40K this year.

To read my mini review of the Citi Prestige World MasterCard Elite which offer unlimited entries to airport lounge with the Priority Pass Membership Card, click here to my article The Best Credit Card for Airport Lounge.

For review of the Citi PremierMiles American Express versus Citi Prestige MasterCard World Elite, click here to my article New 2013 Credit Cards



This post has been edited by Gen-X: Oct 15 2013, 01:13 PM

You are the smart one FREE cash in the pocket better than credit in the account.

Wah, like that also can ar... 46" LED 3D?

Congrats anyway Bro.

can be neither because Citibank Cash Back is only credited into the account once it touches RM50. And for petrol, there is a montly cap of RM30.

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.

This post has been edited by Gen-X: Apr 6 2013, 05:01 PM

deleted - read wrongly

This post has been edited by Gen-X: Apr 7 2013, 09:17 PM

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

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

wah free 180K points - can use to redeem for GST for more than 10 years

OIC

Bro, Citibank card ar.... I don't like their CS, need to go thru so many steps to speak to a human unlike MBB CS, UOB PB CS and CIMB CS.

By the way, Citi Premier Card got Toll (Citi VS no) Free number for CS? IF no what "prestige" card we talking about? hahaha

Another thing about Citi cards are that they don't offer some kind of auto annual fee waiver. But the good thing is that their points are evergreen.


EDITED

OK, I just checked Citi Prestige Card

Pros -

1. FREE cab ride from KLIA with 3 swipe overseas.
2. Unlimited access to airport lounge with PPM.
3. Extended warranty (T&C apply).
4. Purchase Protection.
5. Refund Protection - this is new to me. Sound good but don't know what are the T&C.


CONS

1. Annual fee RM1K/year
2. 1 Reward Point for every RM1 spend locally.
3. 2 Reward Point for every RM2 spend overseas.
4. Citi Prestige Concierge and Customer Service no Toll Free line.

AND to get the 180K points one must pay the annual fee of RM1000 and swipe RM3K What Free Points???????

http://www.citibank.com.my/prestige/nikon-tnc.html

If you ask me, better go get Alliance Visa Infinite (annual income requirement RM150K) and get first year annual fee waived, unlimited access to airport with PPM and auto annual fee waiver with RM30K spending. AND best of all 2x and 5X Reward Points for local and overseas spending respectively.

This post has been edited by Gen-X: Apr 8 2013, 08:59 PM

Bro, that's because I'm not rich lah ( to be considered rich or upper class, one needs more than RM10M in assets these days, USD1M today can't get one a bungalow in a gated community and a new Bentley) but why want to pay RM1K when we can get cards for FREE It has been years (more like decades) since I have come across anyone in person who actually pay credit card(s) annual fee

I wonder if CitiGold customers are issued the card FREE.

And on the topic of golf, I actually was a part of a team which constructed a golf course and my ex-boss even gave me a golf set which is just collecting dust.

And I noted that our new member just joined today to come to support Citibank I guess my post must have touched one of his nerve so much that he has to join and comment, hahahaha. The thing is no one made a fuss about the RM1K annual fee BUT the discussion was on the FREE 180K points (FREE camera) which Citibank claim is a gift is misleading because one has to pay the RM1K fee and swipe RM3K to be eligible for the FREE gift.

When I signed up for my UOB Privilege Banking VI, I was given the option of annual fee of RM1800 waiver or pay the annual fee and get a camera. And everyone that I know who has the UOB VI (not many lah ony 3 person, haha) opted for the FREE annual fee instead of paying for the camera. And please note, these people earn much more than RM200K per year and have liquid assets much more than RM1M.

And as for the Citibank non Toll FREE Prestige Concierge Service, one still has to press 16 times (16 digits Prestige CC number) on the key pad versus MBB Platinum Toll Free once, MBB Toll FREE Premier CS immediate and CIMB non Toll Free immediate to speak to a human

This post has been edited by Gen-X: Apr 11 2013, 04:19 AM

Be careful and understand the terms and conditions. If you opt for balance transfer plan, make sure your new transactions are not imposed interest.

Below is an image I just posted in my latest article titled My Son Is Going To The USA on Business Class Again.




But seriously, if you want Enrich Miles, better go get MBB credit cards where even the Entry Level Gold Maybankard 2 Cards AMEX is better than Citibank's Premier credit cards.

Beware, for BT Plans with foreign banks, especially those that are not equal installments, do not use the card once you sign up for BT plans else you'll be charges interest for new transactions.

Bro, this is because Citibank found a loop hole to increase their card holder CL without needing the cardholders' consent. Only recently they separated CL for retail and installment plans.

Yes, because unlike previously (and for most credit cards in the market) where the credit used for installment plans will also means that you have used up the credit limit line, now it is no longer the case for Citibank credit cards.

For example, say my credit limit is RM80,000 last year.

In July 2013, I received a letter from Citibank and it goes as follows:

Effective July 2013
Card Credit Limit (X) = RM80,000
Installment Plans Limit (Y) = RM69,000
TOTAL CREDIT LIMIT (X) + (Y) = RM149,000

So, Citibank DID NOT ask my consent if they could increase by Credit Limit as required by BNM, but as you can see, my effective credit limit has increased.

Bro I reread the letter Citi sent to me again, the increase in credit limit granted to me is temporary for about 3 months (expiring soon) and the one and only reason why Citi increased my credit limit was to entice me in signing up for their loan products. Click here to my article Avoid The Shit Hole of Debt by Getting Free Financial Tuition From Me where I posted the evidence of Citibank increasing my Credit Limit without my consent (even if it is for 3 months - it is still an increase without me requesting for it). I also posted a letter Citi sent to my wife offering increase in Credit Limit; and to accept the offer, all she has to do is sms in.

This post has been edited by Gen-X: Oct 8 2013, 08:07 PM

Wah Citibank really good to you, waive your annual fees yearly automatically wihout you needing to call them

Conclusion, Citibank most cunning and yet at the same time the most generous and caring credit card issuer.

Well, when we sign up for Citibank credit card(s), we are well aware that there is no auto annual fee mechanism and Citibank is not obliged to waive the card annual fee.

And yes, one should have zero outstanding balance when one wants to terminate his/her card. So the Citibank officer is correct to inform you on this.

And if one has installment plans with any credit card, if the bank is smart, don't waive the annual fee so that they make more money from us

Bro, from your earlier post, what what I read was that you were kind of disappointed that your request for annual fee waiver was not entertained by Citibank and you blame is on Citi CS, hahaha . The fact is your request got nothing to do with service but on your hope Citi will waive your annual fee again this year like they did previously where they beg you to retain their card

And Citibank do have standard policy for annual fee, which his clearly stated in their product disclosure sheet and the T&C of your card, that is we have to pay for it. Anything besides that is based on good will of Citibank's management and they do not have to disclose how they evaluate/determine if a particular customer is privileged enough to get annual fee waiver.

That is why I like cards that have auto annual fee waiver mechanism, no need go beg them for waiver. And as for my cards that have annual fee, I same same like hkboey, where I make sure I use up all my reward points and not a single sen outstanding at least a month before I go beg them for waiver. And if they do not want to waive after I beg them, I will tell them to terminate the card immediately and happily go give business to my other cards.

And as for Citi CS, they are actually pretty good. Two or 3 years back after getting my statement where the annual fee and GST was charged into my account, I call up CS to terminate my card and CS informed me that both the annual fee and more importantly the RM50 GST amount will be credited back in my account and as such I have zero balance and my account was closed immediately. No one called me after that and I did not expect anyone to do so.