Yes..i get my AF waived for CB Plat.

how to waive GST? call CS as well?

Then can consider you pay for GST

i rather pay by cash

For AF can call to CS request base on approval, for GST only can redeem by Reward point. I not think can waive the GST.

+1

i have business and Cash back as well, i call to CS, they just waived it easily. I used to cancel 1 card, they call twice to waive my AF and GST

Airasia

just cancel the card, maybe they will waive for you

Basically need to see what u spend on the card. I have both Cash back and Business.

Cash Back i only will use for pertrol, Watson/Guardian, Tesco and Phone Bill.
Petrol: RM600 X 5% can get Rm30
Guardian: 2% cash back without Cap
Teso: 2% with Rm60 Cap
other 0.3% cash back

Business: other than above cash back i will use Business card to earn 1% cash back

But need to confirm that u money will use above rm300 on Business card you only consider to take it. It you only spend below RM300 then you stick to Cash Back Card only.

You can have a try for first year since first year AF should be waive. So u just paid rm100 GST for both card. As long as in 1 year u can earn cash back Rm100 above why not ?

Cash Back is diff for both card:
Cash Back: above Rm50 automatic cash back, below Rm50 bring forward to next month (didn't see any cash back amount because always below rm50)
Business: Accumulate and no expired for the cash back. Cash back only you give call to citibank. (i used 2 years already now have cash back Rm3xxx, at least can see amount of cash back)

Hope this can help u to decide...

For cash back 2% in Labuan only Guardian and Giant. I assume that you spend around rm500 as well. then Petrol RM200 Montly. You said about online transaction in 0.3% cash back, but u use Rm1000 only cash back RM3.
assume you are use more on online RM1000
Rm500 cash back 2% = RM10
RM200 Cash back 5% = Rm10
Rm1000 cash back 0.3% = RM3

Montly cash back RM23. Need 2.2 Month only can get Cash Back to break even your GST. (after deduct GST u earn yearly RM225.4)

If u use Both Cash Back and Business Platinum Card
Rm500 Cash back 2% = RM10 (cash back)
RM200 Cash back 5% = Rm10 (cash back)

Rm1000 cash Back 0.3% and 1% = rm7.9 (Platinum)

monthly cash back RM27.9 but you need 3.5 month to break even your GST RM100. Earn more RM4.9 but need more time to break even GST (after Deduct GST u earn yearly RM237.15)

if u use only Business Platinum
total Spend monthly is 1700
cash back = RM14.9

Monthly cash back RM14.9 need 3.4month to break even GST RM50. (after deduct GST u earn Rm128.14)


So if follow the RM1700 expenses, You see that use both card is more worth in Long Term see how u spend it. You can try to calculate what your expenses monthly actually.
You may add more from your previous expenses about 20%, you may spend more after u have CC.

Thanks

Is ok Bro to ask about Citibank Credit Card here. But if u choosecredit card only u know better than us how u spend and where u spend it. Or else u want more cash back for online transaction why not try Maybank 2 Card? 5% on weekend using AMEX card, I assume that online transaction should including AMEX. Pump your Petrol on Weekend using AMEX get 5%. Maximum cash back cap rm50. 1 Month can break even if u use RM1000 monthly, yearly get Rm550 cash back. Think about it. Sorry bro but this is citibank thread. u may go to Maybank2card thread find more info

If first year should be waive if u swipe 3 times in 60 days.
Correct me if i am wrong

Less than 10... How about u ?

ticket number higher bigger chance. For me even 1 ticket you also can win if u got luck....
if u get 1000 ticket without luck also useless...
anyway good luck bro

Yesterday receive SMS notification of GOOGLE*marketplace and GOOGLE*supercell. total of 5 times SMS notification from GOOGLE*supercell RM340. I never use that citibank credit card to any google store or apple store. straight away call to CS to block the card.

any one facing this fraud case before?

This post has been edited by austinchua: Dec 18 2014, 10:55 AM

5 years with clear card, first time citibank didnt waive AF for me. Spending last year is nearly 90k