Sifus..I read lots of recommendation on Maybank2Cards, is it the one which they offered 2 cards, ie. Visa and American Express? what are the major difference between those 2?

Oh btw, Please recommend for me, this is my first CC
I'm a foreigner, live and work in malaysia. Maybank contacted me and mentioned: for foreigner, the min salary will be 3k/month. Not sure about other bank though..

1. Annual Income: RM 40k - 50K

2. Free Lifetime Annual Fee: Yes (it would be the best, wouldn't it)

3. Card required for: online purchase, and might need to use it overseas (mostly indonesia); please advise what it'd be best for

4. Existing credit cards if any: Nil

5. Looking at CC from: Mainly Maybank or any other bank (had bad experience with CIMB customer service, but let's try CIMB too)

6. Others: Might use it 0 - 3 times in month

the GST, all bank + all type of CC applied right? Same amount, i.e. RM50/year?

Thanks in advance..