With min. Income of $24,000 p.a You can have Standard Chartered WorldMiles MasterCard Credit Card which can Earn You Worldmiles Point on Your Spending & Redeem IT  for frequent flyer miles like Malaysia Airlines Enrich Miles, Singapore Airlines KrisFlyer Miles and AirAsia BIG Points. But, You have to Pay $15 Monthly Fee for the Card ($15 x 12 months + $50 GST= $230) 

For Another Option or Recommendation of Air-Miles Card , pls Refer to the Link below:
https://www.ringgitplus.com/blog/credit-car...travel-for-free
http://www.standardchartered.com.my/person...es/aboutwm.html

Btw, Most the Bank now Refer to EPF's Submission 1st or Some of Bank Just Need You EPF' Printout Only on Credit Card App ...
(Your EPF Employee's Contribution Must have min. $220 = the Income of $2000/- per month OR $24,000 a Year as the Min. Income Requiment)

But,You still can Apply Credit Card With Providing Extra Document to Bank to make It More Secured, try to give them 3 months Bank Statements which can Show ALL of Your Actual Earning (Salary) Credit to (Your Payroll Account) Every Month as Your Supporting Document (beside Payslip & EPF's Printout) to Convince the Bank that, You Betul-betul Earn That Much $$$...  

But... Long before that, 1 of Forummer here got the card with Gross Monthly Income although His/Her EPF Submission NOT based on $2000 ($220) 

Hope It Helps