I am keen to convert my Air Asia Silver to Clear card.
I have called customer service and after checking, they told me if convert, I must pay Clear card annual fee RM90 immediately. They said I am not entitled for waiver upon conversion.

Has anyone tried conversion before and can share whether have to pay AF/ GST?

If I apply Clear card as second card, will I enjoy first year fee waiver with 3 swipes within 60 days?

if yr cashback amounts to only rm100 pa, it means either u dun spend much on cashback items or u dun spend much in total.

cashback cards r only good for those who spend a lot in the highest cashback categories, i.e. petrol and groceries.

in yr case, u r better off changing it to the visa rewards card which carries no af but get points. for rewards card, if u choose no category for bonus points, there is no af at all. i wud think the pts u collect shud be able to cover the rm50 gf (gst). call them and request to change, i think shud be easier since they hv all yr data already.

in the past <1998 crisis, cc charging af is unheard of. and there was no gst. banks were chasing people to use cards, all free. now, it's opposite - people chasing banks to get cards at a significant annual cost and chasing banks to waive fees every year, etc. this scenario is consistent with heavy household debt economy v r in!

Currently I'm holding PremierMiles and Clear card, and today I called Citibank to request for annual fee waiver. However, they refused to do so, saying that currently bank has no such promotion. Instead, ask me to take up their product (RM5k and above) or convert to choice card! Seriously??

This really sucks because I saw there are members managed to waive it! Thinking to cancel it now~

To me look like that is the promotion. I also holding PremierMiles and they willing to waive AF for me

Ya, they said the fee waiver promotion is not available. So the other promotion available are getting their products..

Feeling lucky? We're giving away 100 Free Huawei tablets to the first 100 credit cards that get approved.

Apply for the credit card of your choice today!

Source: RinggitPlus Promo Page | T&Cs

There's Only Way to find out is You Need to Call CS to Enquiry,
as Some of Us do Succeeding to get AF Waiver from them, as we never Try we never Know what the Outcome...

No idea with Card Conversion but they have Auto Upgrade My Clear Card to Rewards Platinum as I NO Need to pay the Annual Fee on NEW Card as for the GST charging just follow back MY Old Clear Card Anniversary Date...


This I can 100% Confirm to U: YES... U can have it (1st Year Annual Fee Waiver with 3x Swipes within 60 Days even on Your 2nd, 3rd... Citi's CC)

This post has been edited by fly126: Jul 15 2014, 11:48 PM

Thank you very much, fly126!

received 10 bonus tickets yesterday.

how to do so?

i purchase online, suddenly i received sms saying that i got 10 bonus tickets.

Wah..good luck ya. Maybe you are the winner for audi car..

impossible la, sure others even bigger spender.

Try your best, beat the rest!!Haha

i saw this in the LYN kopitiam that day, the promo just started last week, so i don't think anyone can get approved by citi so fast right? whoever fastest to submit documents sure masuk the 100...

hi guys, i have some question about applying the airasia platinium card... anyone can tell me what is the minimum requirement to get the card ? my annual income is >100k but they reject my application how much salary needed to be able to apply ?? anyone can help me here ?

"Hi Mr Jacky ,

The bank did not disclose the reject reason thus we also not know what is the reject reason … sorry ya "

This post has been edited by Jackygwh: Jul 16 2014, 02:38 PM

you can't do much if they want to reject you.

the bank reserves their right not to give reason(s).

keep in mind it is not just about annual income. they consider stability and consistency of income (e.g. salary vs commission), no. working years, past payment record (no record isn't a good record) and relevancy of the card (why aa platinum and not clear card or rewards card).

best thing to do is apply another bank and hopefully be successful diff banks weigh things differently.

hrm....... any chance if re application will success ?

Hi, Jacky, if you can somehow find out the reason before you re-apply, your chances would be better because you can counter whatever the issue was.