Need to be so strict or not. Credit cards always will come to compare here and there. As u said pros and cons, cashback need accumulate RM20 and got AF. I apply citibank just because of the lazada voucher and cbtl buy 1 free 1. Some will say sure can waive but if bank cant waive then either we pay or cut. So,maybe next year me also force to cut and use back no AF card.

for me, amex is not good coz limited and lots of card actually will have same 5% discount. 

no, i only apply the card with AF if they come with any discount vouchers, not because of this card is good. i never kena AF because i will cut all those cards before the AF come i not the type to call bank for waive coz dont know how it work~

They phone to u and say waive for u?

FYI, SMS transaction alert cannot be set online. It have the options there but every time I set it, it freezed my browser and after awhile, it shows 'Script Error'... Called in and CS said their side can't do it either.

Damn~ Guess I need to walk-in to Citibank itself to request... what a bum...   

I want to set it to alert me on any transaction of RM50 onwards...

I remembered you answered me too in this forum previously, she said her end cannot set it for me... duH~

Else let me try again to call in... Maybe I got a lazy Customer Service Rep...

noted. thanks... so, your sms transaction alert is set at RM1 ha? good too, so you would know that there's a usage on your card...

Tried. It doesn't work. Script Error... hmm...

Anyway, called in and we can't set it to RM50 (which I thought to earlier), but we can only go lowest to RM201.00...
Still I cant get to set it online... which again Script Error, called in yet still cannot... frustrated already... 

Hi all, I just applied for the Citibank cash back card and received it not long ago. I've done a few purchase with it. Would like to know if there's a fix biling cycle for Citibank? How do I know the due date for the payment in order to avoid the late charges. Thanks in advance.

has anyone tried using the clear card to buy the movie tickets in 2 separate transactions on Friday and still get Buy 1 Free 1 for both transactions?

Hi All... do we need to inform the bank that we will be going oversea to use de card ?

As the last round I went europe where I have not apply for the citibank cc, I use CIMB and i need not to call the bank and I can use it but a colleague of mine can't get to use her citibank cc oversea... 

Thru website? I don't have 3K to spend now unless developers can accept CC for property booking fees.

Noted guys, maybe that's a better option for me. Let's see if the agent will call me back after she received my documents.

how do i pay citibank cc payment bill if i dont have a citibank acc? can i pay thru cimb clicks /mbb2u??

Thank you. You are right, the 2 CS who told me some other calculations - need some spanking.
Finally i called another CS who explained exactly like your formula above. I also applied money transfer on the same day woops!

By the way for those interested but did not receivevany sms (like me) make a call to citi to ask if you are entitled. Also this promo is expiring on 31st July

Note: do not use your card for retail purchases as this BT works the same way as hsbc bt - no interest free for retail purchase when you have balance on the card. 
Actually this is the system used widely oversea banks. So be gladful our local banks are more lenient on this

Yes, call in to enquire about 0.99 pa BT. See if you are eligible.

Ask them back why only grant you without Plat version since you have fulfilled the income requirement? If I were you, I will definitely ask.

I understand approval is on bank's discretion but approving a lower level card must be something wrong. Cannot ask? Then what's the purpose of putting salary requirement and approves me with a lower level card?

Hmm. The cap of cash back is different though for two levels of card.
That is CL but this is lower level of card.