Waiving annual fee by calling the CS requires some skills.

Good luck with that.

@keith_hjinhoh,
Y would one need to pay annual fee on a debit card?  If i'm paying u the $ up front, I see no reason in having to pay an annual 'service' fee amount.

For citibank, this is from my experience

Evening of Day 1: Fax the credit card form + photocopy of IC + photocopy of current credit card
Noon of Day 2: Agent call saying approved
Noon of Day 3: Went to Menara Citibank and got my card. Could have got it done on Evening of Day 2 but I'm not free then

If you want I can give you the contact number of the agent. Quite good service

The T&C didn't exactly say that we can't use it at Genting, non-Halal restaurant or to purchase alcoholic drinks at supermarket. So it should be alright.

All Maybank Islamic Ikhwan Card transactions are in line with Shariah principles and cannot participate in businesses prohibited by Shariah such as gambling, liquor, etc.

charge card or credit card?
the only card i know that offers both rebates and points is alliance bank's.

Charge card is not credit card.

Charge card you will have to pay in full every month, does not have a preset spending limit, AMEX and Diner Club belongs in this category.

Credit card allow you to pay 5% minimum, have a preset spending limit (Except prepaid debit cards which has just materialised in the market), VISA and Mastercard issued by the banks in Malaysia belongs in this category.

I think it'd be extremely hard. I really don't think they will request a receipt from the hypermarket we swiped the Ikhwan credit card just to see if we have purchased anything non-halal using the Ikhwan credit card.