Maybank 2Cards
* It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period
* The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement.
* Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Dining Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month.
* Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay.
* NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies.
* Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period

Yes, Maybe Citibank Card Privileges (Offer or Promo) + Evergreen Rewards Point No Expired which are their Perks an Undeniable Temptation to some of us here, but however most of the Citibank CC do come with an Annual Fee. Ya, You may Request Annual Fee Waiver from Citibank Every Year but Sometimes also Subject to their Approval, they give or not...

Meanwhile, Maybank 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, and 1 Statement plus, the MBB 2 Cards also is Lifetime Fee Waiver with NO T&C's Applied on  

You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Dining Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB)  
Although the their Treats Point do come with 3 Years Expiration Period but it may even Better than Citibank CC just Plain RM1 /1 Rewards Point. Somemore, FYI... NO Point will be Rewarded on Petrol Purchase with Most of the Citi's Credit Card https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf

With Maybank 2Cards U Can Enjoy Lowest finance charge of 8.88% per annum on your outstanding retail balance. All you need to do is promptly settle minimum payment, 5% of the outstanding balance or a minimum of RM25 & Citibank or Most All the Bank CC with Finance Charge of 15-18% per Annum or a min of RM50.

ONE MORE A MUST HAVE...
PB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction a Lifetime Fee Waiver Card with 12x Swipes p.a.