So here's a story. I was offered the Visa Prestige card thru a SMS months back, just reply to accept and they will send it. I am currently holding only their Visa Clear card for 1 for 1 Coffee Beans.
Was told that they will 100% under no circumstances give a AF waiver and that if I accept, I have to pay the AF of RM1,060 immediately when my first statement comes.
Here's the other thing. They told me will give me back rebates of 200k points. But not immediate. 2-3 months later, depending on their promo, not guaranteed and because I already hold a card, I have to spend at least 12k in 2 months which is fine.
So I went and find out if my points can cover the annual fee and this is the turn off part.
200k points Cannot even cover 50% of the AF! Their points value is 42,900 points for RM100.
200k is worth like RM466 Only.
So I go back and see if the Benefits is worth it:
1. I still need to swipe 3x to get free limo ride which other cards also offer similar service.
2. I am only excited over 1 for 1 ticket at Gold Class GSC but that means I have to watch at least 10x to make it worth, and the kiamsiap-ness me figures... means i have to buy my partner free gold class ticket everytime ... so not a very good deal also haha (because u bring girl watch movie, they expect u to pay)

(girls dont be sensitive over this)
3. Probably the highest Insurance amount for a credit card at USD1m for me + family which is probably the only other thing that caught my attention.
4. Priority pass membership. But is only for myself and have to Pay RM90 for partner. So if i travel with partner or friends, easier to just use the rest of my credit cards for PPL.
Hope this is .... good research if u are still interested in this card

Are you a Citi gold or their priority member? This card seldom offer to normal card holder .
But the benefits seems like can't cover up the annual fee of 1,060 that can't be waive .And 200k bonus points is not guaranteed will be credit to your account as well . Sounds like its not a good deal to accept it