1. Annual Income: RM85K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Overseas Transactions

4. Existing credit cards if any: Citibank Plat Visa, EON Bank Plat MC

5. Preferred Bank or Considering CC from banks: Planning to apply for the new HSBC Signature.

6. Others: Going to apply using cc, not pay slip, with the cards i have and my annual income, is it possible to get the application approved? or it is strictly >100k income p.a. only? Nice payment records, frequent user of other CCs.

7. Estimated Spending per month with the card: RM3K

In your point of view, how easily does HSBC approve c/c application?