Like hye said, OCBC strict, some people having Plat HSBC and MBB also cannot qualify for the card but others like you having less than RM36K were issued the card. If you don't apply, you'll never know. No harm trying.

That reply was in reference to a stand by card. Any standby card that is not utilize will be subjected to GST. So ask yourself, you want a standby card that has no annual fee or a card that offer many benefits but you don't utilize them and pay the annual fee? That's why in fruitie's case, I mentioned she has to go to the banks' websites and see which card can offer her discount since her current cards are adequate for her routine usage.

Please differentiate between tax and annual fees. All credit cards are subjected to GST, that's the law. Of course, it does not makes sense to have a particular credit card if you don't use it. For example, the MBB 2 AMEX earns the card holder 5% cash back plus 5XTP but the card holder only pumps at Petronas and don't need a card for anything else, does it makes sense for the guy to keep the Maybankard 2 Cards? On the other hand, he also has OCBC TMC but he only pump RM500 a month at Petronas and therefore his yearly expenses does not reach RM10K to qualify for the RM50 cash bonus; it still makes sense for him to pay GST yearly.

Choosing the right credit card for a particular usage to earn maximum returns is the main point, not what the card offers if you don't utilize it.

For example, CIMB returns can be more than OCBC TMC or MBB 2 Cards. You get 10% and 15% at Tai Thong with the Plat and Premier card respectively. If the dinner comes out to be RM1000, that's RM100 discount for the Plat card. If you go to Amarin or Flying Chilies you get 15% discount which is better than 5% cash back for dining. If you go to Eraman and buy Louis XIII, the best card to have is the CIMB Free For Life World MasterCard or Visa Infinite and the discount you get can offset GST for the next 10 years.
Get SCB for the cash back if they really offering RM200 and once you use up the balance for random shopping, keep the card in the drawer  At the same time go apply for OCBC TMC and earn 5% cash back for your dining and petrol.

As for discount at shops, like I mentioned earlier, you have to go and check the banks' website to see their promotions as they are updated frequently. And here are some of them for starters.

Maybank Credit Cards Promotions 2012

CIMB Credit Cards Promotions 2012

Citibank Credit Cards Promotions 2012

Bro, you better read/check the terms and conditions. Previously SCB was offering Ar Asia vouchers but if not mistaken one has to spend minimum amount else there will be a penalty. IF the SCB card really useless, I would think cancel the card at least one month before the card anniversary to avoid GST being billed. However, if you read SCB Thread, SCB will offer you goodies to retain the card.