@namh, I did ask the before.

Ultimately, your credit limit is bounded by the Total Credit Limit

for credit card, you can only use max rm5k
for cash on call, you can use rm10k because credit card limit can be converted to cash on call

OR

after u use up to rm5k credit limit, you can cash on call the rm5k turn into instalment, and then u will have another rm5k available as credit limit

wat card is that actually

Hi everyone,

I just received a call from Citibank.. She mentioned that I entitled a promotion benefit that is for Citibank Mastercard only..

It is sort of like an Insurance, and she mentioned that no extra or hidden charges for this benefit..

And let say If every month you have balance in your account is not clear after the end of the due date, you would only need to pay a (min or max, not sure) of 69 cents only..

Gosh, she talk so fast and I the reply I gave was just ok ok ok, yes yes yes.. =.="

It sound like another tele-marketing scam to me.. Now I'm really scare will kena monthly charges liao.. 

Not a bad promo:
https://www.citibank.com.my/english/promo/c...tion/index.html

Need to receive invitation SMS/email, which i did 

How is it possible to buy 1 free 1 for such lousy seating ... you should call up Citibank to complain/enquire.
Sometimes the Merchant who set such rules.

never have such experience for GSC and Cathay.

no idea about TGV.

Citibank is offering me an upgrade from gold card to platinum since my card is expiring soon, should i get it? whats the difference between the 2 except the limit increases?

http://www.citibank.com.my/portal/citimy_home.htm

Reward Points
Citibank Platinum Card - https://www.citibank.com.my/english/credit-...Code=MYCCWAB3LM
Citibank Gold Card - https://www.citibank.com.my/english/credit-...Code=MYCCWAB4LM

Find the right card: https://www.citibank.com.my/english/credit-...card/index.html
Promotions: http://www.citibank.com.my/english/promo/index.htm
Privilages: http://www.citibank.com.my/english/citi-wo...ivi/citi-wp.htm
Citi Rewards: http://www.citibank.com.my/citirewards/
Contact Us: http://www.citibank.com.my/english/common/...erCode=MYAPSLN5

just realize their air asia visa cards are doing 20+24"(2 luggages)+rm50 cash back give away upon card approval https://www.citibank.com.my/english/credit-...rAsiaNav_021012

the first 1500 Successful Applicants who each makes a retail purchase of the following tier and swiping the said successfully approved Citibank Credit Card at least 3 times within 60 days after such approval date (“Qualifying Period”) will receive the Gift:

RM800-RM3,499: 1 unit of Santa Barbara Polo & Racquet Club Hardcase Trolley Bag (20 inches)
RM3,500 and above: 2 units of Santa Barbara Polo & Racquet Club Hardcase Trolley Bag (1 unit of 20 inches + 1 unit of 24 inches)

Can i show my Citi Ready Credit card to enjoy?

i didn't receive any sms.

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.

gud to see u here!

i was in same situation as you. i called them yesterday, asked some questions and agreed to change from gold to plat reward - becos i hv nothing to lose.

that af600... why? only true (rm500) if you subscribe to all the 5x points categories. if you take none, there is no af, no need to ask for waiver anymore. depending on where you most likely spend, choose 0, 1...5 categories:


if you choose just 1, af is rm100, total rm15k spending will get it auto waived . more categories, more spending req'd for waivers. anyway, they will give you waiver for 1st year, ask them.

do you have their platinum cashback card? this one no points, just cashback, good for petrol and groceries. so, for me this cashback card and the reward card will cover almost all spending - cashback for some spending, 5xpoints for others. the rest, just normal points with the reward card.

the mail has all details. if not, a call and a visit to the website, u wil b clear.

https://www.citibank.com.my/english/credit-...HowWorks_100113

It says here : Minimum 2. But the FAQ didn't mention if we can choose not to subscribe any category or not.

Edit : Ok I dig more in the T&C

https://www.citibank.com.my/english/credit-...um-card-tnc.pdf

It says (refer to page 2), for the 1st year you must subscribe minimum 2 category. Following year, you may subscribe none or any number of reward category.

Ok so, it is possible to subscribe none Since the 1st year is free of AF, so i got nothing to loose! Almost 2nd year, I just cancel all category and go back to x1 point.

No more talking to Citibank CS every year!

i think the 1st yr condition of 2 category applies only to new card holders, additional new cards. upgrade from gold, etc. not applicable.

but new cards will get bonus 20,000 pts, upgraders not applicable.

really, nothing to lose by changing from gold to rewards. i think they are pushing all "old" cards like gold to this rewards as a streamlining/consolidating exercise. my read is if you do not change, they will not waive the af for gold card in the future that easily.
one thing about citibank cards... tesco, giant, jusco, cold storage all part of the cashback or 5x pts but... jaya grocer is not. i wish this one will be included soon as i find this chain attractive in terms of selection, freshness and prices... better than the rest, imo.

CS upgraded my card on Dec 17th from gold to reward platinum. Waited until Jan 9th still didn't received the new card. Called CS and they say poslaju delivered it on Jan 7th. I say i didnt see any card saying they attempt to deliver. Get them to route the card to my office. I don't understand what people will be at home on a weekday to received package...

So i gave them my address and they say will request poslaju to route it but someone else will call me back to double confirm. Very slow n even AEON credit card got better logic to offer to sent to your office instead.

Anybody here using any Citibank Ready Credit card?

I just received it from Citibank, not knowing what purpose is this card? Debit ATM card???

Finally after so long my Citi Reward Plat arrived. The bright blue color quite nice... My old gold citi card can enter museum now...

By the way.. is it worth to get the trolley bag? Seems rather small and need to spend RM1000