Agreed, unless your annual income is less than 100k (requirement for PremierMiles AMEX) then you might want to consider Visa Signature which only require minimum 60k annual income.

By the way, was it stated anywhere in any documents that you will receive a luggage bag if you spend more than RM1000 within 60 days.



This post has been edited by Average-Joe: Mar 20 2014, 10:40 AM

Was told the following:

(1) spend RM1,000 within 60 days to get one cabin sized luggage; OR
(2) spend RM4,000 within 60 days to get the same plus one additional mid-large sized luggage

And also, swipe three times within 60 days to get annual fee waived and RM50 activation bonus.

Hi all,

I was informed that my application for Citibank PremierMiles VISA Signature was rejected today.

I am very aware of the requirement of minimum annual income of RM60K for PremierMiles VISA Signature. If based on my 2013 (monthly salary <RM5K), my annual income (including bonus) is still more than RM60K.

My current salary (2014) is >RM5K
Car loan paid off in 2011.
Another bank - Home flexi loan RM600K+ approved in June 2014
Another bank - Platinum card holder since Oct 2014 (credit card statement always cleared in full before due date)

I submitted the following documents:-

( a ) Dec 2013 - March 2014 salary slips
( b ) Increment letter January 2014
( c ) EPF statements printed out from Citibank's EPF Kiosk

The sales person told me that he/she does not know the reason why my application is being rejected but he/she will appeal for me. I asked, if you don't know the reason, on what basis do you appeal?

I even dropped by Bank Negara Malaysia to check on my CCRIS and conduct a CTOS self check report today. No issue at all.

Anyone can shed some light on my situation? How can I find out the real reason?

Many thanks.

This post has been edited by Average-Joe: Apr 10 2014, 10:58 PM