Agent at mach tell me that there are no rules for below 36k annual income to have max 2 different bank credit cards. Is this true ? Cox i am having two different bank cards now income is 30k per annum . They say i can apply for it cox bank will see my behaviour of payment not the annual income

For cardholders earning RM36,000 per annum and less, the following would be applicable:
- Cardholders can only hold credit cards from a maximum of two issuers.
- The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.

EPF statement need to be printed from EPF outlet. Going to EPF outlet is also one trip (unless I happen to pass by) =) so for my specific situation better to go direct MVM.