It would always be a b**** to apply a card when you don't have a credit history. The same thing happened to me previously. I applied OCBC three times, CIMB and Citibank. All rejected me. And for God sake, my salary goes into CIMB every month. Stupid CIMB!!! Later on I gave up and applied Bank Islam card, and fortunately approved. A few months later, I applied more cards and approved instantly without much problem. I guess your best bet would be to go Maybank card centre in KLCC.

Does anyone know if I can redeem treats points for RM50 service tax more than once, in a calendar year?

I redeemed it last month, so was thinking of doing the same this month. Because the way I see it, Maybank just debit RM50 to the card account. Doesn't matter if the service tax is due or not.

as far as i know, you have to go to the DBKL counters to pay summon, not possible via internet banking/myeg etc.

How much FD must you pledge to get that card?