Hi guys ~~

I'm planning to get my first credit card soon. My annual income is 20k.

I'm looking for 2 cards , 1 is Citibank Shell card (cos I go to shell often) and what do you all suggest for the other one ?

I trying to get a card that has less or none annual fee.

Planning to get a CC soon , My pa is 20k.

Any good cards to recommend ?

I plan to get Citibank Shell card and Maybank Amex.

Other suggestions ?

Thanks a lot for the feedbacks ,

What's the difference between Visa / Master / Amex ??

Aren't they all the same ?

Guys , when I go apply CC , do I need to photostat anything for them or just bring my documents and they will photostat for me ?

Thanks.