i think cimb da is probably the best of both worlds, 2% petrol rebate for any petrol station + respective mesra/bonuslink/smile points and points for retail transactions.

I kindof agree with ya. Makes the CIMB Petronas card looks impractical in some way because you are only limited to Petronas service stations + you can't earn additional points from your purchase. CIMB DA cards allows you to benefit from all petrol stations.

On one hand, it's kindof weird for CIMB to allow its own product (CIMB DA Mastercard) to kill another product (CIMB Petronas card). The way I'm reading it is, it's probably a strategy to counter Maybank Petronas cards which is one of the hottest credit card at the moment. 

Actually I prefer cash rebates as the savings/rewards are more of less instant. Points system are only good if they don't expire or you have very high usage. The really good rewards all require high points and points are always at the risk of expiring. One thing i noticed that some of the banks that offer points that do not expire tend to have higher point requirements for their redemptions.

Actually I prefer cash rebates as the savings/rewards are more of less instant. Points system are only good if they don't expire or you have very high usage. The really good rewards all require high points and points are always at the risk of expiring. One thing i noticed that some of the banks that offer points that do not expire tend to have higher point requirements for their redemptions.

I wonder why I do not see DA advertising their 2% petrol rebates?

@vin_ann,
To be fair, I was earning RM1.8k p/month when I applied for the Citibank CC.  I'm expecting a boost in credit limit with my new Plat card but I haven't got it and it's been almost 3 weeks now!

Also, I've given up hope on getting additional credit limit; I applied for some other credit cards instead but from what I understand, banks look at total risk so I don't blame them.

@hye,
After my 1st year with Citibank, they issued with me an additional Visa card - that gave me additional RM5k credit.  I believe they also incresed my credit limit on my MasterCard to RM7.5k

RM1.8k can get platinum card already?Which back is it?You mean ONE plat is it

@siutimtim,
No U got it wrong - refer to hye's explanation; he's right   And it was the Citibank Clear Card that I applied for years ago!

And I didn't really apply for the Citibank Platinum card, it was offered to me and I thought Y not since I could combine my current points with it

MBB Petronas card is one of the hottest credit card in town and this led to long queues. Actually there's no such thing as card upgrading - it's as good as you applying for an additional card and then you still need to cancel off the old card.

BTW ... you didn't say where and how did you apply for the card. I sent my application to the bank directly (I went to the bank) and it still took me a good 1 month plus (about so) before my card arrives.

@siutimtim,
Yes Citibank offered me their Platinum card without me asking for it and it's not an upgrade from my current Citibank Credit card.  It's an additional card - I do not know if there'll be an increased in credit limit but there should be as Citibank doesn't offer me much credit at the moment; just slightly about RM13k for 2 cards combined.

Haven't received the Platinum card so don't know what limit they're gonna set.  RM10k is sufficient lah - don't want to be carrying too much risk out

@siutimtim,
I was at the bank getting some transactions done when they asked if I wanted a Platinum Card.  No annual fees.

And I'm not sure what the usual credit limit is but I thought that's on individual basis.

@jon720,
Credit limit's really entirely dependent on your financial ability and credit status.  If u oredi have a 1st card, I wouldn't say it's difficult getting a second card but Y wouldn't U consider a 2nd card from the same bank?  That way, U don't have to dilute your points