@whoknows,
I just make her sound cute *ugh*  Shouldn't U be asking if I was available instead of her being available 

It sure looks like I should stop promoting MY sister and start some self promoting 

everyone wants a platinum card but u gonna reject it?? hahhaa 

I called customer service before posting. They don't know the answer, that's why I asked here. Waiver is subject to approval by RHB credit card centre. If possible, I don't want to pay the RM500 annual fee.

i just cheked.. i have 257K points now..  maybe they'd wipe out my points soon then

i think it has been 2 years alreay.. me and my hubby bought our 46" LCD with the card, our PA insurance every month, his car's tires, his laptop, my macbook, my ipod, my wedding ring and etc 

i've always tempted to get a citibank card.. don't know why.. maybe coz it's NOT a local bank

Guys,I have a noob question.

There is a Plus highway logo behind my Maybank Petronas card,so does that mean I can use it like touch and go whenever I passby the Plus toll or i can reload my touch and go card's credit using the CC on the Plus counter?

From as far as I can remember, Citibank had alwiz been promoting their credit cards; other foreign banks onli started doing so in the recent years.  I agree with U re foreign vs local banks' credit card - Citibank HAS failed me in the past when I tried to use it in Australia.

Admittedly, I've never held a local bank's credit card [up till when I applied for my DA Graduate card but that card remains dormant]

For a local bank, PBB is quite good. I don't know about their credit cards though cause surprisingly they've never bothered to offer me one despite it being my primary bank.

I don't want the bank to charge me RM500 only then I start to ask for waiver. When that happens I think it's too late to cancel the card. I'm a good paymaster, I pay up my all transactions within one week, hope they will give me the automatic waiver as they did with other cards.

@jchong,
Er... I don't know about local banks credit card as I don't carry one *grins*  But well, to be fair to Citibank, they only failed me once!  Btw, I just found out the maximum credit limit given out on a Clear Card is RM15k.  Citibank's just reverted to me and told me I could opt out of the Platinum Card and get my Clear Card back but they wouldn't be able to give me the original credit limit offered with the Citi Plat.

So how so how?!  I'm travelling again these few days and if I do want to change back to my Clear Card, I've got to wait for them to process it, send me a new one.  In the meantime, what am I going to use to pay my bills?! *grins*  Also, I've got to reset the Citibank Online and all.. uGhh!!!!!!!!    Maybe I should just stick with the damn Citi Plat!

I heard some people say its better to have a backup CC from different bank, but I would like to know how likely that a card from 1 bank cannot go through and we need to use card from another bank for transaction (excluding case where we have maxed out our CC limit)? Will it be okay if we just depending on 1 CC from 1 bank?

Any bank offer a good/higher Cash Rebate CC for any retail purchase and the points doesn't matter?

Er.. Citibank's cash back is also on a tiered basis.  At the highest tier for the Cash Back Gold Credit Card is 3.88% but that's only for those who have a carry forward balance of >RM10k.

I don't see how this benefits much cause in order to get some $, we're actually spending more

Yup until a certain limit then no more rebates. The limits depend on card type.. classic lower, plat higher. This is on top of timeless points as well...
Eyeing this card to a certain extent....

http://www.alliancebank.com.my/ccard_cashback.html

I oredi collected enough points to redeem that 187k Samsonite bag !! *WooOHoOooOo* 

@hye,
The RM my folks deal with is pretty hot except she's not too familiar with Consumer Banking; she's apparently more of an Investment Advisor - could introduce her to U if U want.

@jchong,
U certainly been mistaken - Y would I not keep the good ones for myself?   Haf no idea if she gave good investment advise - she's not my RM!