perhaps you should get maybank2 cards/aeon wtami or hlb wise ?

Thanks

She told me that annual fee cannot be waived and if i cancel i still need to pay prorate annual fee which is only for this month. It is rm195/12.

If your rebate just or cannot cover the annual fee. Why keep??? Many option available in the market

but hlb wise card need to spend quite a lot one right?

10 x RM 50 so just RM 500 and above

not really a lot bcs you only spend rm1k to get rm100 cashback.
but you need to achieve minimum rm50 x 10 times.

Haha, not easy for me though...thinking of cancelling Citibank liao

citibank quite useless la haha.

Agree, so maybank 2 cards the best? anyone got opinion?

If U got Income of RM100k p.a get Yourself a Public Bank Visa Signature with 6% Cash-back on Dining, Groceries & Online Transaction... It's Annual Fee Waiver subject to 12x Swipes a Year

This post has been edited by fly126: Jul 9 2014, 12:19 AM

not useless if u r thinking of reaping the "new" application promo.

apply n get promo
cancel
apply again after 3 months and get promo
cancel again
repeat...

is the 1st year annual fee waived (chargable upon card issuance)?
only can find rm50 cashback and rm250 cashback.
no mentioning of 1st year annual fee...

For clear card it's free. Not too sure of others.



https://www.citibank.com.my/clear/about-clear.htm

outside these categories can still use mbb2u cards

This post has been edited by DarReNz: Jul 8 2014, 10:25 AM

Thanks

Their product disclosure is vague...

Use your new credit card
at least 3 times within
60 days to enjoy a 1-year
annual fee waiver, with the
exception of Citi Prestige
Card. The annual fee waiver
would also not be applicable
for other cards if you opt to
be eligible for acquisition
gifts/promotions that are
offered.
Note: The annual fee waiver
may vary depending on the
fee waiver programs that
the Bank may introduce
from time to time.

http://www.citibank.com.my/english/docs/pr...Code=MYUFCCFPDS

But I got the answer from the CSO just now.
Can get the 1st year annual fee waiver by using the card at least 3 times within 60 days.
The rm300 (rm50 and rm250) cash back promo still applies.

This post has been edited by millenniummonkey: Jul 8 2014, 10:37 AM

I agree. But i think of keeping this one, since i did the calculation and the cashback i got is higher compare to what i need to pay

Kinda troublesome. Hope to find a good one and keep it for long term use.

No min spend? I thinkl citibank one got airport lounge...how about PBB signature card?

PBB VS provides one free Plaza Premium Lounge visit in Malaysia when you make 5 overseas transaction.

take up personal loan to waive annual fee ? good or not ? or just cancel ?

agent say effective rate around 5.x% which is 3.2% p/a ... i am noob in effective vs flat rate ><

Thats interesting