The "cardholders can only hold credit cards from a maximum of two issuers" requirement is only applicable to cardholders earning RM36,000 per annum and less. With your RM36k - 48k income range, you can apply for as many cards as you like subject, of course, to the individual card issuers' credit assessment.

Fruitie may not be aware of the said BSN branches and you are, but what's the point of making such comment as "have your eyes removed"? Does it reinforce your perceived sense of superiority?