Any idea how person without income can apply for the card?

I have 2 cards in hand. I see no reason they rejected me
ANd yes, please I want the card

Now I know why I got rejected already.
They (OCBC fellow) are rejecting your application if your first card / credit limit is way below their requirement.

Eg :  if your first card is 5k credit limit. Take the 5k divide by 3 (making assumption that the credit limit is 3 times your salary) and you will have there about 1.5k. And 1.5k x 12 = RM 18k per annum, definitely REJECT

And I find it stupid. First card in life, and fresh graduate, expect to have 20k credit limit ?

Anyway, that's how they evaluate and how they approve your card.
And CCRIS even clean also won't help anything. Even you provide 3 months pay slip also they won't evaluate you using the payslip. That's what I had been told tho. They will still refer back to your credit limit per card !

This is the different between u apply through online sales staff n direct sales staff..if u apply through direct sales staff, ur income will b follow ur latest payslip not ur crisis credit card limit..this is bcoz got direct sales staff can prove ur latest income, they got saw ur original payslip..if u apply online then no ppl can prove ur income, they can suspect is fault de so tat's y the rejection rate for online application is so high..

My card arrive liao!!!! 
Highest limit so far of all my card Even higher than my Citibank limit....

What is the annual fee for this Titanium card?

This is why i dont believe in auto billing in general. Its a very f***ed up system actually. I just canceled my auto billing with Citibank this morning because I was unsatisfied with it. So i think its not just limited to OCBC.

On another hand there are things I have no choice but to put on auto billed, like insurance and other larger payments. And when i made the switch from one auto bill to another cc, the whole process takes at least a few months. And I had to make really sure they stop charging my previous card before i proceed to cancel the card. Sometimes you cannot just assume everything goes as expected. Always check you online statement to make sure... Double confirm your SI cancellation from all party. The CC user have to take some due diligence on his part to protect himself...

Sure, will do so. Can we do the same with Maybank CC?
Any charge imposed for SMS received?

This card is so hard to apply, rejected once when applied thru online, problem with their system, using very previous very low salary, straight reject. Applied second time , reject again. Tried letter of appeal, then they said they cannot accept.told me to Try again after three months.

I got rejected because my other credit card limit is not high enough

First time you apply online, they check your previous credit card. And will not take ur current salary

Credit cards: banks will not give it to ppl who really needs it, but gives it to ppl who doesnt need it