How bout debit card?

it depend on u to choose whether u want a CASH REBATE credit card or benefit based credit card
interest rate are almost same among all banks

CASH rebate credit card = ocbc titanium or UOB one card

benefit based

if often travel = air asia CC or those platinum card which come with 1 mil travel insurance(flight)
cash back card comparison chart

Yes

errr..try to find those waived annual fees (with T&C) or Free For Life credit card

if like that ..then every year u just pay rm50 gov tax lo

like UOB One card = 1 year u swipe 13 times = waived annual fees

or Petronas Cimb Bank platinum card = Free for life with no condition
insurance > credit card

and yes la ..if suddenly want 3k deposit ..but u didnt put many money into your debit card ..mampui liao

but if CC ..if stolen ..straight report and cancel it

atleast u wont die

if debit card...report liao still need to wait

how much is your salary

if your salary got 2k then ok already ...if u want free for life CLASSIC card

go for ambank 

troublesome a bit ..but they offered free for life classic card

credit card for broke nikkas

dont buy things that you have to take loan to afford

Avoid using CC lor. get debit card much better. got 1 CC Cimb.. almost limits d. nyesalnya lah. mau tutup susah.
now using maybank account.. Maybank ATM card got VISA word at the corner.

IMO, if credit card the term "emergency" will later become "omg sale 50% with limited stock! Need to buy now before habis!"

Well, depends. If you have medical insurance, generally you will get a personal ID card that you can just pass to the hospital.

Even if you don't have the personal ID card, you can ask the hospital to just call the insurance company that you're subscribed too.

Personally, the hospital will treat all patients as they come in and not delay treating just to verify all the detail. Refusal of treatment by hospital, in emergency cases, is actually against the law. Most often they will start to treat that patient immediately while the other relatives/guardian go and sort out the paperwork (which isn't really a lot).

Point is, I'm not saying credit card is bad etc. I'm just pointing out that such "emergencies" of hospitalisation etc... doesn't really require the use of credit card as you would imagined them to be.