Go read thread http://forum.lowyat.net/topic/1791878 or click here to read my article on free airport lounge access with credit card

The credit cards that meets your requirements have annual fees (but can be waived) except for SCB Visa Infinite is you have Priority Banking.
If you are earning RM30K and pump petrol at ESSO or Shell (check if your petrol station accept AMEX), then get Maybankard 2 Cards. Else you can get the UOB One Card to earn 5% cash back for petrol BUT for general transactions, the cash back is pathetic at 0.3%.

Actually AMBank Carz card not too bad for petrol. Don't you get the card for FREE since you are a staff?

Alliance Bank also not to bad since you earn cash back plus points and annual fee waive with 12 swipes. I guess in the meantime, you can't be picky and once your income hits RM36K/year, go get OCBC Titanium MasterCard.