doesn't affect me since the NIL are mostly on travel & insurance.

but the point is.... it is clear citibank wants to get out of the insurance bit, maybe getting costly for them as insurers raise premium cum gst looming.
btw, a reminder for those on visa rewards with a chargeable category. it was free for year1 but rm100 is chargeable for yr 2.
if u dun want it, need to call them to cancel it before it's too late.
i just cancelled, so the card is now very basic - no annual fee, no category, no extra points. just normal points.
gst not waivable, need to used points to redeem: 200pts = rm1.
this card has little benefit, only good as backup - i keep it as backup to the platinum cashback card.

I have similar experience in the past with alliance bank. They block all my internet transaction. When called, they say worry of fraud and can try again. When try again, same issue. Then the CS say only one internet transaction per month are allowed. Basically all are rubbish. I stop using the cc for 2 months and re use again, everything settled. Not sure whether my experience will help in your case or not