Citibank Credit Cards V3
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Citibank Credit Card Product Disclosure Sheet

Revised with an Update, EFFECTIVE 3 AUGUST 2015...(contributed by fly126)

Citibank Cash Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20
Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70
Cash Back:
* 5% X for Petrol
- Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back
- Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat.

* 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 (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin)
- Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back
- Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat.

* 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping]

* 0.2% X Cash Rebate for Others Spending [No Capping]

Note: Cash Back Platinum in BLUE

Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month.
https://www.citibank.com.my/global_docs/pdf/citicashback.pdf

REVISION OF TERMS AND CONDITONS FOR SELECTED CARDS, BENEFITS AND PRIVILEGES EFFECTIVE 15 MARCH 2015

More bad news: The Instant Rewards Terms and Conditions

NO MORE Lucky Number 8.88% p.a. finance charges for Citi credit cards wef 22nd May
Ongoing Promotions


Why you should apply for a credit card online!

Citi Rewards Platinum Links

Citi Prestige Links


This post has been edited by Berkshire Breakaway: Aug 3 2015, 06:31 PM

reserved

This post has been edited by Berkshire Breakaway: May 3 2015, 02:16 PM

Is Citi Clear card good? What benefits?

Coffeebean buy 1 free 1 on weekdays

Movie buy 1 free 1 on friday

nothing is good or bad, suit you or not is the question.

Citibank Lane at TGV cinemas are all taken out, no more RM10 movie everday.

May I know buy 1 free 1 movie ticket for Clear card, is this going to end soon?? If no mistaken I saw someone posted right??

If no, may apply for it just for Friday movie day. Currently borrow friend's card to bought tickets...

Not sure when Buy 1 Free 1 Promo will end for the Clear Card but it is good for those who go to the movies on Fridays. But Bro, if you read previous thread, it was posted by some members that they face obstacles getting their annual fee waived for their Citi Clear Card and Citi Platinum Cash Back credit cards. But then again, if one really benefit from the Free Movie tickets (for Citi Clear Card) and do get cash back more than the annual fee (for Citi Cash Back), it makes sense to pay the annual fee(s).

I posted in my article MORE A Little Bit Of This And A Little Bit Of That, that Citibank approved my request for my Citibank Platinum credit card annual fee to be waived on the spot Not only that, the card anniversary is more than a month away. Benefit of the Citibank Platinum credit card is that it allows UNLIMITED FREE access to KLIA, Johor and Langkawi Plaza Premium Lounges.

This post has been edited by Gen-X: Feb 27 2014, 06:31 PM

my personal experience was that they waived it as i've spent few k on this card before the anniversary. since then the usage has been minimal only for coffee bean buy 1 free 1 no thanks to other card providing better return / benefit. Will have to cut once near anniversary.

Hi, i have apply clear card last week and i received a call from citibank to confirm my house address and 2 email which the title is something like citibank electronic statement and advise this tuesday, is it means that my application has been approved? How many days for them to send the card to me? Thanks

Yup... U will Received Your Card in 5-10 Working Days, if Not Call Customer Service to Query

This post has been edited by fly126: Feb 27 2014, 07:59 PM

thanks, so it will send to me by normal pos service?

By Poslaju

thanks, this is my first apply for credit card, so got no experince on this

When U Received the Card, Do Remember to Sign Up for Citibank Online Banking Service to View Your E-statement
How to Sign Up Demo: http://www.citibank.com.my/english/demo/in...HowtoSignUpHOME

you get it as early as 2 working days
my card was worn out and requested for a replacement and i ordered in on saturday
came on tuesday by post laju
(no it is not the almost instant 2 hours/24 hours card replacement thingy)

agreed there are no good or bad cards in general
it all depends on your perspective and needs

clear card has the movie benefit which the other higher premium card don't

hmm..will they send us a sms to confirm they have send the card out with tracking no? i didnt receive any sms from them so far

I think no more promotions for citibank cards for TGV cinemas ady

Only Clear Card has it. The rest has expired.

U have to Request the Tracking No. by Calling CT's Customer Service...

Is it the first year of annual fee will be waive for new application right normally?? If yes, just enjoy for a year movie benefit, after that only think about Annual fee on next year.

On the other hand, heard from my friend of friend who is currently working in Citi that GSC will not continue with Citi due to their terminal is damn slow compare to other terminal. But not sure whether is true or not, therefore this is put me into consideration whether is good to apply or not at this moment...

Btw, your article is really interested bro, there is not only talking about credit card but also sharing about your life...

Thanks Bro for reading my article. I guess you also know we get FREE 1 for 1 Movie ticket with our Maybank 2 Cards AMEX every Thursday at TGV only as highlighted in the article.

Yes, most Citi credit cards first year annual fee are waived except for their Prestige card.

One year got 52 weeks, say you go 30 times a years, that's at least RM300 savings

This post has been edited by Gen-X: Feb 27 2014, 11:22 PM

Yes I have notice about this buy 1 free 1 with MBb at TGV, and have try before, but personally more prefer to GSC instead of TGV as the seat manner at TGV is not nice, some more there is only available for normal seat, but not for prefect seat, right? but it's depend on individual satisfaction

Alright, will look into it... Thanks for your advice !

hi guys,

i viewed my statement and there is this 'q3 icard cash back RM50 CR'.

is this some kind of promotion?google doesnt seem to yield any results.

Would like to know normally how long is the card approval time frame?

Submitted my online application form last week, called Citi's customer care to check on the status yesterday, the CS rep told me it's not being process yet

For my case the CS call me less than a week after the agent submitted my application. Maybe going through agent is faster because agent want to claim commission?

I received my clear card yesterday and finally have time to activate it thru online.

Since this is my first CC, i have some questions to ask here..

Where to check my statement date? if i didnt use the card for that month, will i get any charges in the monthly statement?

that's not really true
once they have your signed application form ready, they sometimes (unprofessionally) bulk them and mass submit.
to them it is does not make a difference because the chance of approval is the same and it does not make a difference in their commission. commission is also paid on pre-determined dates, so they sometimes have no intention of doing an early submission.

You Check /Changing Your Statement Date by Calling Citi's Customer Service the No. is at the Back of Your Card...

if you didn't use the card, of course there is no charges in your statement.

Don't forget RM50 GST usually charge on first statement. Even if they have rebate/waiver, please do check coz sometimes they do trick of giving rebate on second statement or something like that (thus card holder need to pay first before getting rebate).

I believe you need to pay RM50 for govt tax, so first statement will generate out even though no transaction.

hi guys,

i viewed my statement and there is this 'q3 icard cash back RM50 CR'.

meaning i got some RM50 rebate thing.

any idea what this is?

that day i wanted to buy tgv movie tickets using my citibank clear card, last time they have the 1 movie ticket at RM10 promo.

now no more, clear card is getting useless for me.

Where do you guys recommend to apply the premier amex ...from the branch or through shopping malls counters...

online!

reasons:
1) i do not believe in the idea that agents get free commission (regardless lenglui or not) when you know the product as good (if not better) as them
2) applying thru agents for citibank, based on my experience at least, does not make the processing much faster.
3) you do not usually get better free gifts when you sign up at shopping malls.
4) in the event that you do not qualify for a higher card, agents normally manipulate your application to get lower requirement cards which you do not want - for the sake of getting commissions.
5) there are also cases where you want to try your luck for approval for a card which you are not sure you would qualify. to improve the chance of a confirmed and secured comission, the agents automatically downgrade your application even before it stands a chance to be evaluated by the credit evaluation team.

Thanks online I shall apply then.

anyone managed to waive annual fee for platinum card ? i think its rm600 per year

you're serious? who earth pays for annual fees for this platinum card.
i have mine waived 5 years in a row
the only one you cannot waive is prestige (but there are ways to earn back the money)

i wonder when is citi going to have promo for amex premier miles new sign ups

just terminate my platinum card bcos of the rm600 annual fee. you better be careful not to do any transaction after annual fee charged or government fee charged date, else you will have to pay prorated annual fee and government tax if terminate ur card.

which platinum card is this with rm600 annual fee ? did you mean the prestige card ?

1st year is free i think, but not sure how easy it is if we wanna waive from 2nd years onwards, did you try ?

@carpathia, its the usual platinum card, silver color, not cashback platinum

doesn't the silver one has Complimentary annual fee by just using it 3 times within 60 days?

at least that's the impression I get off Citibank MY's website?

Prestige Card Annual Fee is $1000 & It Can NOT be Waived...
http://www.citibank.com.my/prestige/home_l...Prestige_040313

applicable for every year ?

u mean you got the prorated annual fee charged to your platinum card then ? i have to call them just before the anniversary date then as i have direct debit on the card

This post has been edited by DarReNz: Mar 7 2014, 02:05 PM

again, i don't understand you guys
i rarely hear people pay annual fees for citibank platinum card
yes the annual fees is rm600 - that's right
but that's for show only. you can easily waive it unless you're a bad customer.

1st year is free btw, but that does not mean you must pay the 2nd year.

it is safer for you to cancel your direct debit first.

we understand the annual fee can be waived..
i just wanna survey how easy is it for them to waive it

some bank quite "kedekut"

from my experience, gone are the days where you "threaten them to cancel the card" and all those nonsense. not that it would not work but it is messy and not the best way.

just tell them like a boss why you need a waiver.
citibank is very good in waiving annual fees.

if according to what they posted on their site (bar the terms and condition if any). This platinum card would be one of the easiest to waive annual fee.

I can't confirm yet as I'm still in the first year lol

i have a prestige card and true enough the 1K it cannot be waived
but if you are a moderately heavy user and spend 3K within the first 60 days or so, there is a way to get ang pow of RM900 back (you will only get the details from your customer service AFTER you get the card)
so your actual cost is only RM100 (not including RM50 GST which of course can also be waived)

but for me the perks and benefits i get playing golf in one of the most expensive gold courses in malaysia (compared to maybank visa infinite card which makes me wait for so long) and priority pass with no limits, i think it easily costs about 2k in 3 months if i pay cash based on my lifestyle.

so i don't care about the RM 100 that i really have to pay for annual fees in the end.
(yes it is not a typo, it is 100 not 1000)

therefore i feel this card should remain at annual fees cannot be waived level so that people who are not serious about it do not spoil the market.

don't agree with me? look at what happened to citi premier miles. even the limited 6x priority pass sudah tarak.

This post has been edited by Berkshire Breakaway: Mar 7 2014, 05:42 PM

ok so u can just worry on the 2nd year

yes, 2nd year, there will be new cards
maybank visa infinite was my favorite card in 2012.
look what happened now?

yeah...premier miles no more unlimited priority pass access. even scb also cancelled theirs

To waive citibank annual fee just call in. Just direct through the auto-answering system, no need to speak to CSO anymore because they already anticipated these kind of calls. I feel they should just waive it once and for all instead.

This post has been edited by yeeck: Mar 8 2014, 07:58 PM

wanted to cancel my Choice Rewards Mastercard due to not using & not much of stuffed offered by Citibank. The staff upgraded my card to CLEAR card because i told them, i was disappointed of not getting it. Then they said CLEAR card got movie offer when i said other bank got movie offer.

CHOICE card is the worst card on offer by citibank malaysia. not much deals.

Just want to clarify here that I still able to swipe my Clear Card 1 for 1 ticket last Friday at GSC. Cheers.

does the 1 for 1 also works for imax movies?

yeah they used to have that prompt.
nowadays not sure anymore cause i don't use the self service system anymore
i only talk to the customer service oficer

did you get it in the end?

just like the Shell VISA Cashback Gold Card
Nowadays everything that has Gold associated with them is on the decline.
Including CitiGold
Silver Rulez

nope, only normal screenings.

still waiting for the card to arrive.

A agent called said that citibank premiermiles visa signature now is opened for application again, I would like to ask the existing card bearer, is there any changes about the card features?

Not me but my dad, as he didn't not know CITI charged the annual fee and he did not check citi online, hence once he received the printed statement is already too late. As for me, i didn't made any transaction after the annual fee charged date, after payment i call to terminate without pay any fee.

you should get the amex version as it is rm2 to 1 enrich point instead of rm3 TO 1 FOR THE VISA

Isn't the cash rebate card kinda bad deal?

5% Petrol
2% Pharmaceutical
2% Grocery
2% Phone Bills
0.3%Everything else

I don't care for pharmaceutical, and the rest I have Maybank 2 Cards AMEX to cover. I noticed the everything else category is only 0.3%, where as even for non-AMEX Maybnank, RM1 = 1 point = 0.4% (typically 2500 points = RM10 voucher).

Anything I am missing out?

u could get hlb wise or aeon watami

Just Succeeded to Waive Off AF of My Cash Back Platinum...
I Request It 3 Months Advanced before Annual... Called CS Kacau Them, Every Month...

This post has been edited by fly126: Mar 12 2014, 01:49 AM

i waived mine in 2 seconds

How...???

wonder if the cash back platinum AF is harder to waived compared to just the platinum card ?

Agreed... I do Think the Cash Back Platinum's AF Lebih Susah Sikit to get Waive Compare with Others Platinum & They Don't just Waive for Everyone Upon Request, Only Certain Cardholder will Get it...

But, Its Better than HLB Wise's AF Can X Waive pun, Have to Pay it before U can Earn More $$$ Back ...

This post has been edited by fly126: Mar 12 2014, 01:47 AM

actually a few people has reported they managed to get the hlb wise AF waived so there is still hope

Called in to Citibank to waive AF & absorb GST for my Clear Card. AF could be waived without any issue but they are not willing to absorb my GST so I told them to cancel the card. 2 days later cancellation dept called me and told me same thing. So card is canceled.

Are there cards that allows waive for GST ?

As I know, my Cimb Signature, Citibank Plat does not waive after the 1st year. Their "method" of waiving is asking you to use your points you earned

for cimb.. u can trying calling the call centre.. just request for the gst rebate. im sure they will offer u rm50 rebate if u spend rm200 within a month of the call kinda thingy..

Seriously ? They always tell me they can waive the annual fee, but not the 50 bucks ! Seems like I have to call up and bang some guys up d !

tell them u would cancel it

for secondary cards... once the gst is about to kick in, just cancel it and apply other banks... the alternative for citibank cash back will be UOB one credit card

GST usually banks will not waive unless you are super high spender as the RM50 needs to be paid to the govt, not some imaginary cost by the banks.

back to citibank - any great deals lately for new card sign ups ?

Just got my CLEAR card.

nice then i would do that when the gst date is near

anybody got the offer for guaranteed cash back? Sent by email or SMS, offer is you spend RM2500 a month from Mac- May. 1 month CB RM50 so that is 2% rebate.

Spend RM7500 in 3 months you get RM150. i just enrolled.

7500 to get RM150 rebate ? thats crazy talk man.
i spent around 1k on SCB just one plat card and got RM50 rebate

This apply to which card? Clear card? I don't think it is applicable to platinum cash back...

Just got a call for today and was offered CITI BUSINESS PLATINUM CARD. CS told me to spend 1k to obtain Condotti 20” Trolley Bag.

CS told me no documents needed as I was an ex-Clear Card holder as I cancelled my card last yr September/Oct.

I thought those cards cancelled <1 yr are not allowed for the free gift.

i miss the old scb just one card cc

Orang dah kasi ambik la....lagi nak complain....

deleted.

This post has been edited by CP88: Mar 13 2014, 09:09 PM

Yes you are right! Citibank will straight away waive your af and even gst at your first attempt.. If you use few k per month(My boss)
Some only get waived for the af only if threaten to cancel or they call you back few days later.. (Like me )

need to take note on the new t&c for petrol cashback for UOB

Note: For the rebate category of petrol, the maximum Cash Rebate awarded for purchases made by the principal and supplementary Card members shall be capped at RM500 for UOB ONE Platinum Card and RM300 for UOB ONE Classic Card per month.The maximum monthly Cash Rebate payout for the rebate category of petrol is RM900,000 which is to be given out on a first come first serve basis, based on UOBM’s transaction records. UOBM does not have any obligation to inform any Cardmember should the Cash Rebate payout reach the maximum
monthly payout limit.

http://www1.uob.com.my/assets/pdf/tnc/ccTNC/OneCard_tnc.pdf

This post has been edited by ciohbu: Mar 13 2014, 09:07 PM