Different cards can access different offers and discounts mah.

10K income is paying average 13% of total income as tax.

@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

@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

that can be an option. but i wouldn't mind applying for a card with good privileges or high cash back rate, etc. just thought of trying something new. i spent quite alot with my first card (about 10k/m) but all i get is reward points. am looking for something more practical...

i do alot of online shopping and oversea spending. any recommendation?

u seem quite desperate to get plat card. why ah?

@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 

Some banks have very distinctive design for their Platinum credit cards such as HSBC Platinum Visa. Actually, the design of Citibank and Standard Chartered Platinum Visa and Mastercard aren't bad either.

By the way, you guys might want to try applying for Standard Chartered Platinum Mastercard, requirement is much lower (i think RM60k/pa only).

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

siutimtim,

After following this thread for some time, I think you can be a good credit card sales person. You seems very eager with the initiative to know about all the products and services, which is a good thing. You can explain and propose suitable cards to people, rather than those "general" CC sales person who know nuts if you ask them further.

UOB One card, but I tried to cancel my UOB plat but the customer serv said cannot cancel bcoz both card are 'linked'.. And u need to use 6 time per year per card in order to get annual fees waive

@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*

May i know how you got your GE card? I never furnish them with any proof of income iirc....and yet they send in those 2 cards
and the robinson card seems tempting lolz
lol if ur classic card have 6 figure credit limit even a platinum card holder might not show u their card

@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?