Bro, unfortunately Maybank credit cards annual income requirement starts from RM30K.

For CIMB, I don't think they offer cash back cards for classic or gold, and if they do, it would be competitive.

For RHB, click here to read my review of RHB Credit Cards and maybe if you really want a RHB credit card, you can consider their Travel Money card.

I would recommend you UOB One Card based on your sending pattern. Below shows you how much cash back you can earn with the UOB One Card.

Petrol RM350 x 5% = RM17.50
Groceries RM150 x 2% = RM3
Dining RM100x 0.3% - RM0.30
Telco RM150 x 2% = RM3
Movies RM50 x 5% = RM2.50

Total cash back = RM26.30 or RM315.60/yr less RM50 GST = RM265.60/year which is not too bad.

And if you pump petrol at BHP you can eaqrn another 2% SMART$ Cash and at GSC 5% SMART$ Cash.

You can also look into MACH by hong Leong Bank which you do qualify; but since Petrol is your main expenses, the MACH may not be useful to you unless you start to eat out more often.

Once your income touch RM30K/yr go look into Maybankard 2 Cards and at RM36K/yr go for OCBC Titanium MasterCArd.

Maybankard is the best.

UOB does have installment plan but it is not 0%

And with your current income, best you save money instead of purchasing stuff with installment plan. Click here to read my article, 0% Installment Plan Is A Trap.

Maybankard is the best.

UOB does have installment plan but it is not 0%

And with your current income, best you save money instead of purchasing stuff with installment plan. Click here to read my article, 0% Installment Plan Is A Trap.