I cant brain this credit card. It says: "Real Cash Earnings will only be credited upon meeting the minimum threshold of RM20 and capped at a maximum of RM50 calculated on a monthly basis." and you get RM1 rebate for each RM100 spent, meaning you have to spend RM 2000 per month to be entitle for the Real Cash Earning, however the minimum eligibility to apply this card is RM24k income p.a. Shouldn't them raise the minimum eligibility a little and target richer customer instead?