For the dual card, they not even care your annual income fulfil their requirement or not. What they want is their sales increase only.

I got 2 cases for reference including myself

Case.1 : My friend annual income didn't fulfil the requirement but they allow him to apply during Maybank treats fair then after 1 hour get the card already.

Case 2 : Me myself also didn't fulfil the requirement but I apply from branch. The person in charge ask me 1 question only and straight away settle everything within 5 minutes.

Person A : Where is your salary credited to?
Me : Maybank
Person A : That's easy, no need any pay slip, straight away can apply
Me : 0.0
Person A : Just sign here and its done

After 1 week, I get the card.

So easy !!!

Its wrong already,

1st : The requirement stated must be above 30k annual
2nd: Ya, the salary is above 2k but the CL is already 2.5x from the income already.

Conclusion : Bank loosen their policy and consumer over spent, then bank are very happy sucking the interest ^^

If everyone have discipline like you then surely nice, but too sad I had seen lots of people getting credit card so easily but end up not afford to pay back then INTEREST become their best pal already ^^