1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cash Back, Movie, Phone & Utilities Bills

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: No specific bank.

6. Others: Easy and convenient in paying the debts

7. Fixed expenses per month with the card: RM200-RM300 petrol, RM1xx Telco, RM1xx Utilities

8. Non-fixed expenses but recurring in RM: Nil

For your case, I guess the UOB One Card is good for now. Pleas refer my reply above to sweetmint. Besides the 5% cash back for petrol, you'll get 2% cash back for Telco bills with the UOB One Card and some cash back at GSC too.

I heard bout the promo on Standard Chartered with free Smart Tag.
Please provide some advice on it. Is it worth to take?

FREE gift, sure lah good Got cash back RM150 somemore. And best of all, if not mistaken, for limited time you get 15% cash back for petrol. But please read the terms and conditions.

You may want to read my previous article on Standard Chartered Bank Business gold and Platinum Credit Card Review to get some ideas on the T&C. Please note this article was published months ago where the promotion was different then.

Any TnC when I cancel credit cards? Like how many months I need to use their service so that I won't be charged for penalty.

Nope, none whatsoever. You can even cancel the card the very next minute after receiving the card. Some banks will blah blah blah but there's no such restriction to say that you cannot. However, bear in mind the GST is chargeable the moment the card is approved.

Many here thinks they want to play the "Free Gift" or "Help me" scenario thinking they can cancel the card, No GST without the card being activated. GST is chargeable the moment the card is approved.

The standard chartered girl told me that I am not eligible to apply, as it's my first credit card application.

Which stand chartered girl? If she is not interested, then just apply online and let the processing department decide.

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must.

3. Card required for:Petrol,Cash Back/Rebate,Shopping and must important is Installment Plans

4. Existing credit cards if any: 0

5. Preferred Bank or Considering CC from banks: Any bank

6. Others:nothing

For installment plans, I guess go with Maybank credit cards as many merchant do offer 0% installment plans for MBB cards.

So I would recommend Maybankard 2 Cards where the AMEX card will earn you 5X Treats Points everyday PLUS EXTRA 5% cash back on weekends.

The  problem is i havent get my payslip..i only have offer letter.=(

Have not start work, already want to get credit card...
This definitely not a wise move....

Im fresh graduate and currently working at klcc as for IT project.Bt this only for part time.my permanent job at technology park.getting credit card for instalment buy gadget only.=="

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Overseas Online Transaction

4. Existing credit cards if any: Citibank Gold (Supp)

5. Preferred Bank or Considering CC from banks: Maybank (I heard their administration cost is only 0.5% while other banks charge more)

6. Others: I buy things from online regularly. Some of my shopping sites do not accept PayPal..so I need a credit card. I thought any credit card will be good for me until I found out that Maybank offers the lowest admin cost. I also read that Mastercard's exchange rate is better than Visa. Read from some threads here.

7. Estimated Spending per month with the card: Around RM2k

Thanks!

You are on the right track, go apply for MBB2 Cards and use the MC for overseas transaction. And I believe even with the MBB 2 MC x1 TreatsPoints, you still get better benefit compared to your Citibank in terms of points redemption.