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Credit Cards Citibank Credit Cards V3, Everything about Citi Credit Cards

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fly126
post Jan 23 2015, 01:59 AM

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QUOTE(aromachong @ Jan 22 2015, 07:21 PM)
citibank online is not so user friendly.. all the credit cards only show last 4 digits .. all xxxx xxxx xxxx xxxx ... and not all bills can be pay too.. no prepaid reload too..

i think foreign banks all like that? no  posting date and transaction date shows.

guess only local banks will show..
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The xxx-xxxx-xxxx-0000 format is for OUR Own Good Security Measurement, just take out Your CC to Check when U need any to Confirm ... rolleyes.gif

Who Said They X got any Mobile Prepaid Reload service or We Can't do Bill-Payment... as Most of the Bill We can Pay at Citibank Online... nod.gif

Billing Service: https://www.citibank.com.my/english/citi-on...ill-payment.htm

Mobile Reload Service: https://www.citibank.com.my/english/citi-on...repaidReloadMIX

For more Info pls Refer to: https://www.citibank.com.my/english/citi-on...nlineBankingMIX

You can View or get Your Posting Date and Transaction Date from Your E-statement... nod.gif

Actually quite EZ to Use Citibank Online Service to Pay OUR Billing... thumbup.gif

This post has been edited by fly126: Jan 23 2015, 02:58 AM
fly126
post Jan 23 2015, 07:26 PM

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QUOTE(Archer17 @ Jan 23 2015, 05:09 PM)
still have this 1 hour approval promo? i thought is no longer available.

when is the last you saw?
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QUOTE
if i wan to apply for citibank credit card is it hard to get approved? i have apply for it and come back rejected twice, but before this most my friend apply citibank sure all reject.


Archer17
Maybe Your Current Salary is too Low just ngam2 RM24k p.a Can't Support You to get 2nd Card as I think You already got UOB 1 Card, betul tak ...??? hmm.gif
& also Citibank usually X approve CC to ppl Not having any Credit History (Must have at least 1 Year Credit History U Need)


1-Hour Card Issuance http://www.citibank.com.my/smartbanking/kiosks.html
fly126
post Jan 26 2015, 01:18 AM

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QUOTE(loselegend @ Jan 25 2015, 10:07 PM)
Hi,

How the Cashback work?
I earn it but how does it apply to my balance?
*
Citibank Cash-Back/ CB Platinum Card Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... nod.gif
fly126
post Jan 26 2015, 12:46 PM

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QUOTE(Amatiel @ Jan 26 2015, 10:13 AM)
anyone kenak charged RM50 service tax lately? did you manage to waive it?
*
Citibank X Usually Waived GST for Us sweat.gif
We Use Our Rewards Pts to make a Redemption on $50 GST

This post has been edited by fly126: Jan 26 2015, 12:52 PM
fly126
post Jan 26 2015, 05:04 PM

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QUOTE(Amatiel @ Jan 26 2015, 03:09 PM)
mine is cashback card
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Like I said before, Citibank NOT Usually Waived off GST for Cardholder sweat.gif
But Can try Called CS to Request for It... whistling.gif

fly126
post Jan 26 2015, 09:27 PM

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QUOTE(aromachong @ Jan 26 2015, 07:57 PM)
with 2 years of CCRIS record, they will not verify anything OR if you have tones of assests (which i believe they can check) , will approve without any questions doubt.
That's from what i have experienced so far with 4 banks.

My banker told me GST can be waived if you spend more than 60k per annum. anyway, we don't have worries on GST after April . We just have to worry for annual fee which can be waived easily
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Not Necessary U Need 2 Year CCRIS... rolleyes.gif
FYI, Back to 2011 Citibank Approved Me their CC with just 6 months Credit History as I Got only brows.gif
But I do got a Very long Employment History (Worked in Same Company) for 10+ Years whistling.gif

This post has been edited by fly126: Jan 26 2015, 09:37 PM
fly126
post Jan 26 2015, 09:43 PM

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QUOTE(aromachong @ Jan 26 2015, 09:37 PM)
back on 2011, its so easy to get credit cards / loans and most banks would approve without any questions needed.

back to 2015, which is 4 years later everything have changed. BNM rules has changed too and loans/ credit cards are harder to get. how can you compare 4 years ago and 4 years later?  rclxub.gif

please compare apple to apple =)
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I'm Not Comparing between Last time & Now, just Sharing MY Own Experience Only whistling.gif
fly126
post Jan 26 2015, 09:46 PM

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QUOTE(fkinmeng @ Jan 26 2015, 09:41 PM)
traditional way la, savings account put 1mil, see they approve or not. brows.gif
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Betul2... thumbup.gif laugh.gif
fly126
post Jan 26 2015, 09:51 PM

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QUOTE(aromachong @ Jan 26 2015, 09:47 PM)
The bold part is "comparing".

Comparing to now, even if you have one year CCRIS, banks also not necessary approve you as you can see members here got rejected recently. It depends on many criteria and SOP policies of different banks.
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Yup, I do Agreed with U... nod.gif
fly126
post Jan 27 2015, 12:27 AM

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QUOTE(o0kinggie0o @ Jan 26 2015, 11:06 PM)
but i try to apply OCBC as well, still cant get thru, wonder what happen la.. how to solve this issue? any idea?
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Maybe You Got very HIGH CL on Your HLB Cards...??? hmm.gif
Have You try UOB before as Their Requirement are More Lenient if Compare to Other Bank as I think OCBC also a Stingy Choosy Bank... sweat.gif

Many Banks have also Rejected My Apps countless () times before they Grant ME their Card & Now I Got more than 10 CCs + 1 Charge Card from 7 Different Banks in Malaysia... whistling.gif
Kena Reject by...
Maybank (3)x
OCBC (3)x
Citibank (3)x

Btw, If You Need any Advise, sharing Experience on further (P&C) Discussion U can PM Me I'm Delighted to Help... wink.gif

This post has been edited by fly126: Jan 27 2015, 12:45 AM
fly126
post Jan 27 2015, 11:29 PM

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QUOTE(asiatrader98 @ Jan 27 2015, 08:37 PM)
hi, fly126 is citi cash back plant have the limit of RM50 cash back per mth same as UOB one plant? TQ hmm.gif
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Citibank Cash-Back/ CB Platinum Card Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month.
ie,
I got the statement today & its shown the cash back RM65.15 ALL will Credit into the Next Month Statement & the Accumulation Start at 0 Over Again...
If the CB just RM39.50 Only the total amount Will Carried Forward to the following Months... till Sampai RM50 baru Credit Back into the Account... nod.gif

This post has been edited by fly126: Jan 27 2015, 11:36 PM
fly126
post Jan 29 2015, 12:04 AM

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QUOTE(asiatrader98 @ Jan 28 2015, 03:46 PM)
thank you fly126 & David83

yes, i understand the carried foward if less than RM50/-

but citi cash back look like  don't have the max RM50 per mth except the petrol RM30 rclxub.gif
*
Revised with an Update Version...

Citibank Cash Back/ Platinum Card Annual Fee - RM120/ $195 (Income Requirement RM36k / $60k p.a)

* 5% X for Petrol Cash Rebate [capped at RM300 / RM600, with Max.$15 / $30 monthly Cash Back]

* 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]

* 2% X Cash Rebate on Groceries [capped at RM1500 / RM3,000, with Max. $30 / $60 monthly Cash Back]

* 2% X Cash Rebate for Pharmacies [No Capping]

* 0.3 X Others Spending Cash Rebate [No Capping]

Note: Cash Back Platinum in BLUE

Citibank CB Only credit the cash back earned once you reach $50 & If Cash Back < RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... rolleyes.gif

ie,
Your 01/2015 Spending with Cash Back:
Petrol: RM600 X 5% = $30 CB
Groceries: RM500 X 2% = $10
Phone Bills: RM250 X 2% = $5
Pharmacies: RM250 X 2% = $5
Other Spending: RM500 X 0.3% = $1.50

Total Cash Back for January 2015: (RM)30 + 10 + 5 + 5 + 1.5 = $51.50 CB Credited into Your Next Month Statement

This post has been edited by fly126: Jul 3 2015, 06:43 PM
fly126
post Jan 29 2015, 01:14 PM

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QUOTE(asiatrader98 @ Jan 29 2015, 12:14 PM)
thumbup.gif  thank you bro very clear example rclxms.gif  appreciated.....look like citi cash back is better than UOB One card if only for the petrol
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OT a Bit, in case You're Interested... whistling.gif
Actual Citibank & UOB CC technically both with SIMILAR Cash Back Mechanism nod.gif

UOB One / Platinum Card - a Pure Cash Card (Annual Fee: RM68-168)
(Income Requirement: RM24-60K p.a)

Earn $$$ WITH:

I) Cash Rebate for petrol (Weekdays 2% / Weekends 5%)
- Capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month

II) Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 5%)

III) Cash Rebate for Goceries: AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant (Weekdays 1% / Weekends 2%)
- Capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month

IV) Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%)
- Capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month

V) 0.2% Cash Rebate on all other spending
+ Usually They Given 2 Years Annual Fee Waiver to NEW Signup

BUT...
i) Citibank Cash Back is Only Credited based on $50 Basis (i.e. under $50 Nothing will be Credited), Whereas UOB Credit the Cash Back Monthly into the Account... Me Prefer UOB more than Citibank on THIS thumbup.gif

ii) Another Cons of Citi CB Plat... as the Phone Bills Rebates ONLY Available with Payments Made through Citibank Online & One Bill Payment... Whereas You can Enjoy Phone Bills Cash Back with UOB Card with any Payment Channel ie: at Online Portal or Pay Over the Counter... (Preference on UOB)

+ U Will Get 2 or 5% + Another 2% Smart $ Cash Rebate at BPH Petrol with UOB One Card as for the Citi CB Plat. Just Plain 5% Off for All Petrol Station & Also Don't Forget 2 / 5%Off on GSC Tickets with UOB One Card...(Preference on UOB)

This post has been edited by fly126: Jul 3 2015, 06:47 PM
fly126
post Jan 30 2015, 09:12 PM

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QUOTE(exhauster @ Jan 30 2015, 11:51 AM)
Hi Guys, I got a question to ask

Currently, I got 2 Citibank card (1 Visa Shell, 1 Master Clearcard)
My monthly statement date is fall on 13th, and due date is either 2nd/3rd of each month.

I just check my January statement and saw I have to pay RM 500 for Shell Visa and RM 1k for Clear Mastercard
When I look into details, I actually saw there is RM 280 imposed as annual fee(RM 190 for shell, 90 for Clearcard)

I feel like canceling my shell card as i rarely use it while the annual fee is so exp..
So now, if I call the card center and cancel my shell card.. what should I do

A. Pay RM 310 (500 - 190 annunal fee) and call card center
B. Pay RM 500 and call card center
C. Not paying any and call card center (how bout the balance if I want to cut it straight?)
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Maybe...
D. Call CS Request an Annual Fee Waiver from Them Usually They asked You Pay the Annual Fee 1st later Credit Back to Your Account on the Next statement. Even though You want to Cancel your Cards...MUST Settle ALL the Outstanding Balance before They Allow You to Cut the Card whistling.gif

fly126
post Mar 4 2015, 10:04 PM

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Just succeded to get an AF Waiver of My CB Plat. for another year from Citibank... icon_rolleyes.gif

This post has been edited by fly126: Mar 4 2015, 10:05 PM
fly126
post Mar 7 2015, 10:06 PM

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QUOTE(galaxynote259 @ Mar 7 2015, 09:05 PM)
whats the income requirements for citibank airasia platinum? since the airasia x business class seat upgrade is only based on seat availability, anyone got rejected for upgrade before?
*
AirAsia-Citi Platinum Visa Credit Card - RM 60,000 p.a

AirAsia-Citi Gold Visa Credit Card - RM 24,000 p.a

FAQ: https://www.citibank.com.my/english/credit-...ode=MYAAAPTNFAQ
fly126
post Mar 14 2015, 01:08 AM

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QUOTE(Reventon @ Mar 14 2015, 12:52 AM)
Anybody know if i can convert my premiermiles card points to my visa platinum rewards point ?
I know the normal rewards point can convert to premier miles points as i did before. Any sifu tried before ?
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Yes/No... sweat.gif

You have to Upgrade/Convert Your current Premiermiles to Rewards Platinum: All PremierMiles will be transferred to Your NEW Rewards Platinum Credit Card at a ratio of 1 PremierMiles: 3 Reward Points

https://www.citibank.com.my/english/existin...ode=MYECMWAB3LM

This post has been edited by fly126: Mar 14 2015, 01:13 AM
fly126
post Mar 22 2015, 11:24 PM

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QUOTE(guanteik @ Mar 22 2015, 09:24 PM)
Guys, I have a question on the Citibank rebate cards. Say if we have maxed out the rebate for petrol, what will happen if I continue to pump petrol with that card? I know I won't get the rebate... what will I get then?
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Nothing Zero... whistling.gif
fly126
post Mar 28 2015, 07:21 AM

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QUOTE(guanteik @ Mar 28 2015, 03:48 AM)
Actually what's the real monthly cash back for petrol expenses?

According to https://www.citibank.com.my/english/credit-...CCACBENCCHMCALM , the max cash back for platinum cards on petrol is RM30, but the slider allows us to adjust to RM1200 spending per month, which is RM720/year cash back @ RM60/month cash back.

Is the glitch is at the slider (max per month of RM600?) or at the cash back information (RM60 cash back instead of RM30?
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The correct one, max spend on petrol Rm600 with Rm 30 only pumb $700 also get $30 CB Max that all....
fly126
post Apr 16 2015, 09:30 PM

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QUOTE(chongaik82 @ Apr 16 2015, 04:53 PM)
When i login to my Citibank account. I notice there are 2 credit "limits"

1st - Credit Limit Amount <-- which is my credit card limit

2nd - Cash Limit <-- anyone can confirm what this limit refer to?

What make me disappointed is  the CS and he seem to be inpatient to talk to me and hangup the call. I only manage talk to him for 2-3 minutes only.
*
Yup... nod.gif
I also got 2 Different Credit Limits on My 2 Citibank CC:

i) Credit Limit no.1 refer as (X) = is Your REAL Spending Limit Your MAX. CL can USED UP (for Retail spend)

ii) Cash Limit no. 2 refer as (Y) = A Separate CL given to Cardholder can ONLY used for doing BT, Cash Advances, EZ Pay, Dial for Cash or Flexi- Payment Plan or any Installment Plan WITHOUT Touching the CL of Your (X) Spending Limit.

* Usually Cash Limit (Y) given to the Cardholder who Previously having Cash Installment plan with Citibank before....

BUT YOUR TOTAL CREDIT LIMIT (X+Y): That's the Figures which shown at Your CCRIS, also... nod.gif

ie,
As for MY Case :
i) Rewards Platinum CC with Spending Credit Limit (X) = RM50.5K + Cash Limit (Y) RM20K
As they just Added in a Spared Cash Limit (Y) to the Card After I have Finish My RM20K Installment Plan with THIS Card, in case I want to do Cash Installment, again... sweat.gif

ii) Cash Back Platinum CC ONLY got a Shared Spending CL (X) with Rewards Plat., but with NO Cash Limit (Y) because NEVER USE the Card on any Cash Plan Before... rolleyes.gif

So as the Total amount CL will be RM70.5K from Citibank as It Shown in MY CRISS... whistling.gif


BTW, they just Offered me a RM8,000 Cash Installment on 0% Cash Advance Fees but I Prefer go on HSBC with 4.88% p.a, with 0% Fee Charged... brows.gif

This post has been edited by fly126: Apr 16 2015, 11:08 PM
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