icic. but if i want to apply the direct access, it seems like the min annual income is rm30,000. if lower than rm 30,000 still can apply ?

but the rewards point quite high wo, plus the there are high acceptance of AMEX

hey boss, cud u define professional certs pls? im not a degree holder but hav some technical certs, eligible for DA?

but still can use the point to waived the GST...

Dear Sifus , Any banks offering credit cards , to foreigners that are not highly paid ? I have been rejected constantly by many CIMB ,HSBC , i make 30K p.a. , Any advise will be highly appreciated , and sorry for the noobishness

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Added on July 27, 2010, 7:39 pmcome on guyz help a brother out

Credit card for foreigners ?

1. Citibank - U need to make Rm 100K p.a. (if i made that much , i wouldnt bother getting a cc)

2. CIMB - Need to make a FD ( RM 5K ) No interest accumulation over the course of your cc tenure.

3. Maybank - Does give cc's to aliens. But they require a lot of documents and a DNA Sample.

4. Ambank - Apparently lots of the aliens approach this bank , but they require FD (with interest rate accumulation) over the cc tenure.

A secured CC is the same as a debit card with absolutely no difference.

Hope the expats (non-humans) benefit from this..

Thanks to all the gentlemen who had responded to my comments.

Actually I do have credit cards from my own country , but I want a local one , it would be easier to make my payments.

I dont know about Singapore , but for the US you dont need all that documentation , infact they just send you the cards to your mail , I have 2 cards that way.

I understand catching alien defaulters is a headache , but the banks should take into consideration the amount of time you have spend in the country and look into your banking history before making a decision. Unlike that B!tch rep (citibank) on the phone who hears the word alien , and starts spitting numbers out.

hahaha, with the introduction of RM50 government tax, it kind make it expensive to collect cards and spoil the party for us.

Most recent launches are premium cards where banks are trying to get customers they have loss. Actually the MBB WMC is pretty good for frequent flyers with MAS but no point talking about it as the annual fees is RM1K and RM1.5K and this will prevent people from applying for it if not utilizing the benefits that comes along with the card.

nowadays you see in this thread are people fixated with credit limit or how to get a CC, nothing interesting.

for a person with 25k gross salary monthly with no commitments, how much is a realistic CL to expect for cc?

serious? 10 years from 40k CL to reach 110k? Wah so long! which bank always increase yours? or must request?

Chemistry thank you for you suggestion , Ok its true Im a total noob at this , The CC would be mostly for online transactions and for fuel and utilities , occasional meals in good restaurants with my clients and girlfriends.. but thats about it...

My aunt was given the regular VISA Platinum late last year and it is free for life. Yeah, that's right ! No need to call in whatsoever. It is written in the offer letter she received. She had been using a Gold MasterCard for quite a long time prior.

SCB VI refer to Visa Infinite? What is the requirement? My salary will be far far to meet it.
Any other SCB card offer same benefits?

Hey thanks for the info , priobank with scb required 200k balance .

They can afford to give their cardholders 5x Choice Points for all transactions done in foreign currency because of the unbelievably high admin fee or miscellaneous fees that are not publicly published charged to you when they convert the payment back into RM.
Oh no. It is not their Islamic card and it is not the Petronas VISA either. It is the generic VISA Platinum. It came in the mail and it stated the card is free for life. Anyway, even her Gold MasterCard was free for life too. No call to the call centre required  

It's not matter of best or not best, it's the matter of suitability.
You recommend a card which requires 250k in balance, how can a fresh grad afford this?
Who will likely travel frequently? At least a Regional Manager I think.

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Added on August 6, 2010, 2:57 pm
Bank's credit department is kinda unpredictable, sometimes double standard.
Citibank via phone call offered my sister a Shell Gold card free for life, which was not available for "walk in & apply".

You mentioned SCB VI because you think it's the card that offer best rewards. Yeah, its benefit is very tempting indeed.
But my recommendation was based on gorengnazi's input.
Yeah, u were so great because you got the chance to fly across the globe. Not all fresh grad got that chance, u get wat i mean?

just realize that dint pay back ptptn can make u rejected when applying CC lolx...

kinda weird, last year still ok this year everything cant go thru...