1. Annual Income: SGD40,000 (As i know Citibank measure my income as SGD 1.00 = MYR 1.00)

2. Free Lifetime Annual Fee: Is fine, i swipe it over 100 times annually (Hope bank will waive for me)

3. Card required for: AirMiles, Overseas Transactions, retail, dining, fashion, insurance, hotel (Overseas)

4. Existing credit cards if any: SC Cash Back gold credit card

5. Looking at CC from: Nil

6. Others: The SC Cash Back gold credit gold only offer me RM6k Credit limit (Not enough for my oversea business trip)

I fail to apply any credit cards in Singapore although i meet the annual income requirements, that why i no choice to apply Malaysia credit card.

But the card minimum annual income is over RM100k, my income is not eligible, bank will reject me?

Alright, no harm to try Thanks a lot to your suggestion.