I Would Vote on:

i) Maybank (Amex)- having the BEST CS of Local Bank although  Maybank have rejected My Ikhwan App, Not even bother to Update my CL Increment in CCRIS, the figures remain Same as the Time when I got their 1st CC in 2013... 

ii) RHB - Their CC's Benefits  So-so only but Wiling to Offset the Annual Fee just to Retain a Customer when We Call in to Request for a waiver furthermore RHB CS also Provided a 1800 Free-toll no.  to Customer

iii) Citibank- Still Remain the Best Customer Service for Overseas Banks but need to Pay AF just to retain Good Service from Them, as Sometimes they kasi AF Waiver but Sometimes they tak mau kasi, pulak...

Citi reward point still remain 200 point for Rm1?

Revision of Rewards Terms and Conditions, w.e.f 1 April 2015

The Instant Rewards Terms and Conditions, Frequent Flyer Miles redemption and “Redeem Anything, Anywhere” feature has been revised effective from 1 April 2015.

https://www.citibank.com.my/global_docs/pdf...ersion_Rate.pdf

Huh. When it change to 400?

did you request credit limit increase for scb and citi?

my citi is highest and scb is lowest

Only 0.25%..... Cash back at least 0.3%.....

* 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi & Celcom)
[Unlimited Monthly Rebates with t&c On, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back]

Yes. I mentioned in my previous post. So it is not worth holding the cards which collect points except you are a frequent traveller and you need air mile conversion or PPL. It is better to use cards that have 1% cash back eg hong leong card.

How about increase credit limit? also need to have 1-2 years of CCRIS history?

The CB for mobile based on calender month or statement? If I paid 1 Digi bill on 31Jul and any another 1 Maxis bill on 1Aug, I'll get 2% CB for both of the bill?

Means I only receive CB for 1 bill only if I pay 2 mobile bill within the same statement month but different calendar month?

If both bills posted within the same statement month AND your accumulated rebate is >= RM 20, you'll get your rebate in the same statement.

Otherwise, it'll bring forward in the next statement.

But what I understand the T&C for mobile that the monthly rebate only allow 1 bill?

You meant 1 bill is only to 1 payee/merchant?

I mean 1 bill per month no matter how many mobile payee/merchant. e.g If I pay Digi, Maxis and Celcom in the same month, I can only entitle CB 2% for 1 out of total 3 bill that I had made. This was told by the customer service. Need clarification from the sifu here.

Should I say Citibank is very efficient?

I applied citibank credit card yesterday at 10pm at sunway pyramid. This morning I got one sms saying my citibank card application has been approved.

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no checking or too lenient?

Thru a sales booth?