3.3  To  avoid  any  doubt,  we  will  NOT  include  the  following  items  in  the  calculation  of  RP  or
PM:
-
(i) for Cards:
(a) transactions made on Flexi Payment Plan, Cash Advance, Dial-for-Cash, Easy Pay (EPP), Balance Transfer or Balance Transfer via Instalment Plan;
(b) payment for Card account, annual fees, interest payments, late payment fees or charges for cash withdraw
© refunded, disputed, unauthorised or fraudulent transactions;
(d) government service tax and other taxes imposed by law;
(e) any form of service of miscellaneous fees;
(f) premium for Credit Shield or Credit Shield Plus or any other credit insurance;
(g)  payment  of  rates,  charges,  fines  to  Governmental,  statutory  and  judicial bodies;
(h) catering and out-call food and beverage services;
(i)  donations   and   contributions   to   charitable, community   or   social   service organizations (including charitable organizations approved by the Inland Revenue Board for tax relief);
(j)  fees or  charges  to  any  education  establishments  or  institutions  (including professional and vocational training centers);
(k) child care services; and
(l)  special  events/  categories  (including  funeral  and  crematoria  services, clothing rental, photographic or video-graphic studios and florists)

was that referring to first year Annual Fee waiver?

some internal staffs told me, yes, they're losing many customers since 2 years back ago

well they don't care as they're foreign banks.. their priority is on mortage and personal loans i think

anyone of you received a reminder like this to get one of the latest PIN card for your credit card?

oh must be the replacement for my expired card

i thought it is this:

link

called citibank card, wanted to terminate card, but agent advised me to keep the card, and try my best to swipe RM1500 by next month (my annual date is april), then might waive for me..

so i will keep first, but i dont think i have that much to swipe.

Sorry is premier miles.

yeah. good point
which is why i keep 2 cards
this card is just to show off and use privileges such as pp and special invites
the rest use the cashback blue card

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)

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)

RM0.00 Citi Personal Loans:You've been selected for a loan offer up to RM51000 @ EIR 17.9% p.a. Call 03-23834300 by 04MAY16 to apply. T&C apply

https://www.citibank.com.my/english/insuran...ield-select.htm

do you think we need the credit shield select?

and i noted the application which has a lot of optional card products

Not needed if you have not swipe it after the AF is charged