chongaik82 & Human Nature, thanks bros.
If just for an iphone, no diff lah. Go apply with the bank that is easy for you to make payment.

Apple Store online? They don't offer installment plan. For Apple dealers, better you go check with them. For DiGi, go to their website for more info.

Anyway, the new iPhone is schedule to be released in the 4th quarter this year. Better you wait and the current iPhone price will drop.

I also did not submit Income Tax I apply my cc through Bank (Walk-in) in 2011 (1st time apply)
I just give them:
                      i) 3 Months Pay Slips
                      ii) Latest EPF statement print  from EPF koisk
                      iii) 3 Months Bank Statement which your Salary credited to that Account

I think now very hard to get cc, very Strict many terms & regulations from BANK NEGARA

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Added on July 27, 2012, 12:08 amRHB Dial -An Instalment Plan: (Latest just get it from Bank Statement)
Promotion valid till 30 September 2012

a) 6 months 0% rate of min purchase amount $1000 (Not for RHB Business Card)
b) 9 months 0%rate of min purchase amount $ 1000 (applicable to Education & Medical bills only not for RHB Business Card)
c) 6 months 3%rate of min purchase amount  $500
d)12 months 6%rate of min purchase amount $1000
e)24 months 12 rate of min purchase amount $2000