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