actually really varies. i applied last time as a fresh grad not really an issue. just lower CL.

with citibank, you won't need to worry about not receiving the gift. a friend of mine, hit the requirement, and then received an sms that he would receive the luggage, which would be sent to the house.

although during the entire process, doesn't seem like anybody called and asked for his preference. I believe the default is the luggage bag.

Try calling again... If not just cancel? Really not worth to pay the AF for their cards.

Called citibank last friday to ask for annual fee waiver (due tomorrow).

CS gave me 'early' waiver as well.

Citibank clear card user here. Annual spend <10k.

can't advise without knowing your spending pattern and other info. citibank clear card is great if you want the b1f1 during weekdays, else any citibank card has that 15% discount.

generally i suggest taking the cash back card because most ppl should be able to earn some cash back from it (petrol and telco)

Once you know when they charge your annual fee, just call in few days, or longer before they charge it. That's what I did. They can do early waiver, which I got.

Actually should be pay to 1. Knowing citibank, paying to one is enough. Else... principal and supp also pay twice. Mine is supp, but paid to principal one shot.

But please call CS to confirm. I made a deduction based on prin/supp current arrangement.

This post has been edited by adele123: Oct 26 2016, 08:24 PM

i know. What i'm trying to say is, it is still possible to pay for just one card. prin/supp still 2 cards same credit limit, hence similar concept right?

different bank, different style. some maybe ask you to pay to 2, some can pay to 1. you can confirm with them again by calling in or use the instant chat. if lazy to call, then pay to 2 cards. just pointing out another way.

Thanks. I'm used to my uob card, where i just pay to 1. thought maybe citibank can be the same.

Yes you can swipe online too.

Principal can view supp card details.

Aside from choice card, none of the cards have any spending criteria to waive annual fee.

Annual fee is really subject to Citibank’s discretion to waive. Those who reported here saying spending quite a huge sum annually was not waived. Some swipe few thousand only, can get waiver. And the other way happens.

For citibank i got supp card from my bf. nobody cares i think. Which bank officer actually cannot?

B1f1 coffee bean during weekdays and b1f1 movie ticket on friday.

I got it cause cash back card not suitable for me.

Applying for the air fryer? This is my 3rd year, so got 2 annual fee waived. I have 2 colleagues using, neither got the waiver.

I dunno how they determine the criteria of waiver. I dont use the b1f1 cinema ticket much. Only coffee bean, once a month. Annual usage about 7k. Maybe cause my colleagues uses too much for friday movie tix.

you know what is cash advance right? if you know, then you would also know that there's very high interest.

so, citibank earn your interest AND your upfront fee as well.

at some point, you will get used to the wave feature and find it too convenient to ignore...

i prefer mine with wave feature, easier, faster...

they dont charge the annual fees immediately.

when i did it in october, CS explained to me is that, it won't show annual fee at all, hence no reversal... so the confirmation was, ensure the item didn't appear in statement.

i think i need to highlight is that, i called in before it was charged, hence no reversal... also, it might still vary across different people. i think the other guy is more similar to my case because he called before it was being charged.