@zenquix,
Yeah cause the cost factor's been factored in. You're right - cash rebates are easier to earn since the $ is given back to u regardless of whether u 'claim' it or not If ur entitled 5 cents, U still get your 5 cents back!

@David83,
But a lot of us here agreed that Maybank's TreatPoint's one of the better ones in town?

@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

@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

@siutimtim,
I would assume one needs to be an existing customer before they're offered a credit card right?! I don't know what the criterias are for Citibank.

I think the benefits are all about the same; it really depends on what U want to use it for. HSBC has quite a number of F&B outlets tied to them. UOB too but the only one I recall would be the Oriental Group of Restaurants *grins*

@jon720,
Refer to Post #1 for options

@siutimtim,
There's really not much difference between Platinum and Classic card; just different colour cards that's all. Am sure U'll be able to get a Platinum card later on in life

@siutimtim,
UOB's Platinum Card's background colour's black whilst Citibank's one is well, Silver isn't it?

@siutimtim,



You sure are right about it. Anyhow, I don't go round checking out how credit cards look like. It's not for show

@bysquashy,
Doesn't seem as if it's possible but here's where U can print the application form:

Direct Access Free For Life Credit Cards

@Darkmage12,

According to its Application Form, U need RM48k p/annum and u'll qualify for this card.

I totally can't understand this - do U people apply for credit cards just cause of how the card design looks like?

@hye,
I doubt there are many 'veterans' here; most seem to care about design of the card!

@vin_ann,
Credit cards are meant to be used for emergency purposes or for the sake of convenience. It's kept in the wallet and not tied around the neck hence I don't see Y we should be so bothered about the design of the card

Speaking of good designs, Citibank's CitiGold Cheque designs are quite nice *grins*

@jchong,
RM15k limit on ur Classic Card? And Y didn't the bank just offer u Gold instead?

@fikrie,
I would assume Platinum card would offer higher credit limit but with them so easily obtainable these days, I wouldn't be surprised if it starts with RM3k

@MilesAndMore,
I'm quite sure there's a min limit on Plat cards. On mine, it does exceed RM20k per Platinum card

@hye,
You're right. Apparently, the HSBC Premier Card supercedes the HSBC Platinum Card status. Anyhow, a card's just a card

Er... And what's the difference between Mastercard and World Mastercard? I never really noticed till it was mentioned *shrugs*

Also, Amex is a charge card so it shouldn't be compared with a Credit Card *smiles*

@hye,
Like I said, a card's just a card as far as I'm concerned that is But thanks for the information

@hye,
I guess I would have googled it if U didn't [except I'm stuck in a meeting]. Next question, don't U need to work?

@bysquashy,
Applying for a Platinum doesn't necessarily mean U'll get it. If u don't, they'll just downgrade u to the next one *smiles*