perhaps you should get maybank2 cards/aeon wtami or hlb wise ?

citibank quite useless la haha.

If U got a Income of RM100k p.a get Yourself a Public Bank Visa Signature with 6% Cash-back on Dining, Groceries & Online Transaction... It's Annual Fee Waiver subject to 12x Swipes a Year

PBB VS provides one free Plaza Premium Lounge visit in Malaysia when you make 5 overseas transaction.

about cashback platinum....

i called proactively to ask for waiver on upcoming annual fee.

not expecting to get it this time, but i did.

was given waiver for both principal and supp card.

no frills, no conditions.

gomen fee, denied.
so... citibank is not that heartless after all, at least for this round. will continue to use the cb. been using their cards for >10 yrs.

principal card af = rm195
supp card af = rm100

cashback depends on individual spending patterns. i spend and get cashback about rm300 p.a.
so, it does not make sense to keep the cards if they don't waive the rm295 af.
if no waiver, better spend with non-cashback no-af cards that collect points, e.g. rewards card.
with the waiver, i save rm300 a year, more than enough to pay for the rm50+25 gf (gst) for 2 cards.
that's acceptable.

i hold both cashback and rewards cards.
cashback card used only for transactions that give cashback - petrol, groceries, maxis.
everything else incl insurance, tnb, dinners, household, i use the rewards card, collect points. or another bank's cc.

as consumers, we do what we can to maximise the benefits, naturally.