I thought this is for new Citibank customer? You can actually cancel all your Citibank cards then reapply and you will be eligible?

Basically need to see what u spend on the card. I have both Cash back and Business.

Cash Back i only will use for pertrol, Watson/Guardian, Tesco and Phone Bill.
Petrol: RM600 X 5% can get Rm30
Guardian: 2% cash back without Cap
Teso: 2% with Rm60 Cap
other 0.3% cash back

Business: other than above cash back i will use Business card to earn 1% cash back

But need to confirm that u money will use above rm300 on Business card you only consider to take it. It you only spend below RM300 then you stick to Cash Back Card only.

You can have a try for first year since first year AF should be waive. So u just paid rm100 GST for both card. As long as in 1 year u can earn cash back Rm100 above why not ?

Cash Back is diff for both card:
Cash Back: above Rm50 automatic cash back, below Rm50 bring forward to next month (didn't see any cash back amount because always below rm50)
Business: Accumulate and no expired for the cash back. Cash back only you give call to citibank. (i used 2 years already now have cash back Rm3xxx, at least can see amount of cash back)

Hope this can help u to decide...

T&C say as long as not a customer for the last 3 months... i have not been for >6 months though less than 1 year.

Thanks.

Since I am living in Labuan, I dont use much petrol; less than MYR200 a month! We don't have Tesco here, not even Watson. The most is Guardian, Parkson and Giant. What I do mostly on my credit card is purchase online. I am not sure if the cash back for both card also include online purchase.

Hi, i was wondering, why not you look into other cards from other banks more suited for your spending? you can enquire at the 'recommend credit card' thread.

since if you do spend more for online, there are other cards which may serve you better. the other guy already explained how it works. Well, giant and guardian should fit the supermarket/pharmacy category... but no additional rebate except for the 0.3% if for online purchases (if we are talking about the citibank cash back plat).

I have enquired at the 'recommend credit card' thread and one of the recommendation is Citibank Cash Back Credit Card. Therefore, I have sent my application on this credit card. Like I have mentioned earlier, I was wondering if Citibank Business Platinum CC would be a better choice or not since the Citibank staff provide me an option.

My apologies if I have landed in a wrong thread to enquire on the suitable Citibank CC as I thought this thread is open to all enquiry on Citibank CC. I shall get back to the correct thread then

For cash back 2% in Labuan only Guardian and Giant. I assume that you spend around rm500 as well. then Petrol RM200 Montly. You said about online transaction in 0.3% cash back, but u use Rm1000 only cash back RM3.
assume you are use more on online RM1000
Rm500 cash back 2% = RM10
RM200 Cash back 5% = Rm10
Rm1000 cash back 0.3% = RM3

Montly cash back RM23. Need 2.2 Month only can get Cash Back to break even your GST. (after deduct GST u earn yearly RM225.4)

If u use Both Cash Back and Business Platinum Card
Rm500 Cash back 2% = RM10 (cash back)
RM200 Cash back 5% = Rm10 (cash back)

Rm1000 cash Back 0.3% and 1% = rm7.9 (Platinum)

monthly cash back RM27.9 but you need 3.5 month to break even your GST RM100. Earn more RM4.9 but need more time to break even GST (after Deduct GST u earn yearly RM237.15)

if u use only Business Platinum
total Spend monthly is 1700
cash back = RM14.9

Monthly cash back RM14.9 need 3.4month to break even GST RM50. (after deduct GST u earn Rm128.14)


So if follow the RM1700 expenses, You see that use both card is more worth in Long Term see how u spend it. You can try to calculate what your expenses monthly actually.
You may add more from your previous expenses about 20%, you may spend more after u have CC.

Thanks

Is ok Bro to ask about Citibank Credit Card here. But if u choosecredit card only u know better than us how u spend and where u spend it. Or else u want more cash back for online transaction why not try Maybank 2 Card? 5% on weekend using AMEX card, I assume that online transaction should including AMEX. Pump your Petrol on Weekend using AMEX get 5%. Maximum cash back cap rm50. 1 Month can break even if u use RM1000 monthly, yearly get Rm550 cash back. Think about it. Sorry bro but this is citibank thread. u may go to Maybank2card thread find more info

Thanks for the comprehensive explanation. Looks like there is not much difference for both card (unless I explore in other benefits).

Of cuz there is reason why Maybank2card are not suitable for me.

Once again, thanks

oh i see. i just thought maybe you didn't consider other banks. aiks, my bad.

Difference between Citibank Cash Back Platinum & CT Business Platinum...

Key Features of Citibank Cash-Back Platinum (Annual Fee - $195,Income Requirement RM60k p.a)

* 5% for Petrol Cash Rebate [capped at RM600, with Max. $30 Cash Back/month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) NO Monthly Capping, [MUST Pay the Bill thru Citibank Online to Earn the Cash-Back]

* 2% for Groceries [capped at RM3,000, with Max. $60 Cash Back/Month]

* 2% at Pharmacies [No Capping]

* 0.3 for Others Spending [No Capping]

the Citibank CB Only credit the cash back earned once you reach $50 & If the cash rebate < $50 for a particular month, the total cash rebate amount will be carried forward to the following month...
http://www.citibank.com.my/english/credit-...rCode=MYCCLNCBC

Benefits of Citibank Business Platinum (Annual Fee - $200, Income Requirement RM60k p.a)

* 2% Cash-Back on Overseas Hotel and Dining Spend with the overseas hotel or dining spend MUST be made in foreign currency ONLY for Cardmembers to earn the cash back (Good for Overseas Travelling Only)

* the 1st RM300 monthly spend will earn 0.3% cash back & the Rest Remaining Spend will get 1% cash back + NO Cash Back on Petrol Spend

* Must accumulate at least RM50 to redeem the cash back & it's Redeemable by Calling CS.

Same like Cash Back Platinum, If the cash rebate < $50 for a particular month, the total cash rebate amount will be carried forward to the following month.
http://www.citibank.com.my/english/credit-...CCABCENCCHMCALM

But Anyway, I think You Can Earn More $$$ with Citibank Cash Back Platinum

Btw..
How's Your RHB Card Upgrade...???

This post has been edited by fly126: Sep 15 2014, 02:25 PM

hi, is anyone receive the rebate from this campaign?
https://www.citibank.com.my/english/promo/e...d/detailed.html

seems like get conned by Citibank...they got so many cash back campaign and all are not announce publicly..

Yes, rebate received..and it is a past promotion already..

fly126 provided me his professional advise

Like you said Citibank Cash Back Platinum suits me better, I already confirmed to go for it

no respond from my RHB Card upgrade I guess I need to cancel it, if I still have not receive respond after applying Citibank Card Citibank is super fast. I submit today, then I have called from the CS today



This post has been edited by *devilelle*: Sep 15 2014, 01:34 PM

Just Wondering, Why No Response from RHB How do You Submit Your Stuff thru Online or just Walk-in to Branch..???
I think You should Call RHB to Check on the Status or Follow-ups

Just Remember Swipes Your NEW Card 3x times (Any Amount) in 60 Days to enjoy 1-Year Annual Fee Waiver...
Btw, Latest Promo...
Are You Applied thru Citibank Online...??? https://www.citibank.com.my/english/forms/i...CCACBENHOMEHB02
with ALL the Successful Visa credit card applicants with minimum spend of RM1500 and above within 60 days from card approval date will receive RM250 + RM50 Cash Back https://www.citibank.com.my/english/forms/i...ck-Campaign.pdf

Do Update with Us, later...

This post has been edited by fly126: Sep 18 2014, 02:24 AM

I submitted the documents via Walk-in to the nearest branch

I applied for Citibank MasterCard which do not have the cash back of MYR250 and MYR50. Its only have the 1 year annual fee waiver upon approval and swipe 3x in 60 days.

I thought I have RHB visa, that's why I go for Citibank MasterCard

This post has been edited by *devilelle*: Sep 17 2014, 11:26 AM

How Long /when U Have Submit Your doc to the Branch...???

If I Not Mistaken... Years ago, I Got Call from RHB to Verified Me for CC Application after 1 month later (Branch's Submission), Even Request Increased CL pun took ME 3 Weeks to Know the Status (Every Week Call CS Still Said Not Received My App.)
Maybe the Branch Kumpul ALL the Apps & Others Document sent by 1 Lump Sum together to HQ. I think That's the Reason Why it took so Long to Process Our Apps...

You Should Call RHB to Check Your Status, If Still No News from them
BTW...


This post has been edited by fly126: Sep 18 2014, 10:51 AM

May I know is there any ay to amend my details without going to Citibank HQ at Jalan Ampang? I already call Citi phone banking and raised my problem 3 times, they said they will change my details but, until now, the details still wrong. When I apply for the Credit card, I give perfectly clear copy of my MyKad.

Login to Citibank Online click on Contact Us Sent Your Complaint to them...
Just Wondering, What's the Problem with Your Credit Card Application...???

This post has been edited by fly126: Sep 19 2014, 07:26 PM

Hi, I'm going on a trip to Japan in 2 weeks, and was thinking I should get a credit card for emergency purposes (in case I run out of cash during my trip or need to suddenly fly back), and was thinking of applying for a Clear Card at the Midvalley Kiosk. What are the chances that I can get it within the week?