The citibank cards that provide 50% rebate and their annual fees
a)  Citibank Platinum Credit Card; - RM600.00 per annum
b)  Citibank Cash Back Platinum Card; - RM195.00 per annum
c)  Citibank Gold Credit Card; - RM195.00 per annum
d)  Citibank Clear Credit Card; - RM90.00 per annum
e)  Shell Citibank Gold Credit Card; - RM195.00 per annum
f)  Giant-Citibank Credit Card; - RM120.00 per annum
g)  AirAsia-Citibank Credit Card; - RM70/RM180.00 per annum
h)  Citibank PremierMiles Credit Card; - RM600.00 per annum
i)  CitiBusiness Platinum Credit Card; - ?RM200.00 per annum
j)  CitiBusiness Credit Card;  - RM200.00 per annum
k)  Citibank Choice Credit Card. - free with TNC

Only k) Citibank Choice Credit Card is free for life (TNC:swipe any amount every month)

Most other citibank cards charges annual fees range from RM 70 - 600 and the annual charge is charges on the issuance of the cards if not mistaken.

If you can really get the maximum rebate of 50% of rebate which is RM250, after deduct the annual fees and GST, probably the net cash rebate is very minimum. Am I correct? Didn't see any terms on condition for annual fee waiver in new cards application.

Talking about efficiency... applied CITI PM today at the Curve to enjoy the $250 rebate  . After applying, when to catch a movie. Even b4 the movie finished, they called to collect the card! Simply superb...!

But dont u think Citibank cashback is horrible? Groceries & Phone Bill 2%, Petrol 5% but limited to RM30 oni...

Clear card also useless for me, GSC is on Friday and not Saturday anymore. And its must be over the counter purchase. And i dont drink expensive coffee...

They pre-approved both card for me once and i rejected it.

So now i only use for movies (rm10 promo/ticket) which is going to end this month and the shops offer (mostly women item)

The offer by shop thing slowly slowly i notice kena take over by SC, UOB and HLB already...