I just got my M2C last 2 months and is my 1st application ...I apply Citibank because they have cash back + reward platinum (which I looking for )...
Before that, I tried to look UOB but Citibank is suit for me...
Ok, I will try other banks as well...

Its the same with autobilling?
So can we still get rebate 2% for telco (celcom), or all have become 0.2% only. Want to max the cashback from this card

That's the Reason why your application have been rejected by Citibank- too soon to get 2nd CC without a Solid Credit History or No Credit History & they think you are desperate needed $$$

Usually, CITIBANK only Approve ppl got at least 1 year Credit History, No Credit History they sure reject U

So now U kena build up Your Credit History 1st, maybe wait for 6 - 12 months baru U submit your apps, again... 

This post has been edited by fly126: Apr 5 2016, 09:34 PM

Quick update here. Citibank person called me yesterday. I declined the card. Benefits isn't that good for my personal use.

Citibank CS is **** my Clear card got charged AF RM90, called first time to waive and the girl said i need to spend another rm1800 this month ****... called again today and this time a girl said i need to spend another rm200+ luckily..
Anyway im gonna terminate this card, what card do u recommend for mostly online spending?

If you plan to stick to this Clear, it isn't the best card in the town for e-commerce or online swipes.

UOB Vox

Depends on your spending amount.. Try look at UOB VOX 5% for online spendings. Transactions must be RM50 minimum (max rebate is Rm50 per month)

CIMB CB

Yes, 2% for telco but not for Celcom. It's stated in their website.

RM0.00 Citi-Visa: Get up to RM150 GUARANTEED CASH BACK with min RM2500/mth spent. From 1APR - 30JUN16. Reply C1 to enrol. T&C@ www.citibank.com.my/guaranteed

150, if I spend 7500 in 3 months... and must be in blocks of 2500 in the same month...

This post has been edited by adele123: Apr 6 2016, 10:23 PM

I believe RM 150 during the whole campaign period. That's the max you get.

Ya I understand.

So max is 2% of cash back... my question is... is it based on transaction date or posting date. Since their t&c did not mention this.

Why didn't they send this earlier. Could have used this to pay the insurance... wasted...

Normally is based on transaction date.

When you paid your insurance?

You can call CS for clarification.

just to share
cancel my citi plan cash back 2/3 mths ago
yesterday they call me and offer this new card-reward card



https://www.citibank.com.my/english/credit-...NCCHMCA5#BP0000

anyone got this annual fee free for life (if don't want to get x 5 points without category but only x 1 point)

This post has been edited by asiatrader98: Apr 7 2016, 09:46 AM

yup, me. im holding this card without subscribing to any category. so no annual fee..

i only hold this card for the vincci discount for my gf n also for its high credit limit in case of emergencies. else its pretty much useless.

thank you bro......that what i want and no need to submit any document

and i will entitle

This post has been edited by asiatrader98: Apr 7 2016, 02:50 PM

wanna ask a question

bought a phone,
turn it to flexi payment

was just wondering why each payment increases everytime



is this normal?

normal as it is EIR.
monthly repayment would be 279.56

Month	Outstanding	Principle	Interest
1	3099.00	241.09	38.48
2	2857.91	244.08	35.49
3	2613.84	247.11	32.46
4	2366.73	250.18	29.39
5	2116.55	253.28	26.28
6	1863.27	256.43	23.14
7	1606.84	259.61	19.95
8	1347.22	262.84	16.73
9	1084.39	266.10	13.46
10	818.29	269.40	10.16
11	548.88	272.75	6.82
12	276.14	276.14	3.43

ohh..
tq very much

now I understand already