Did your bankers state any reason of rejection? you could try UOB One card though, its one of the best interms of petrol to earn cash rebates, heard it was quite linient in terms of approval.

Finally got in touch with the CS (friend gave me a more 'direct' number).
CS said sent on 12th and might arrived between 7-14days.

Well guess I'll wait for a bit more, since not yet activated anyway.

Weird yeah, since I took the CIMB Zing card together (touchngo card), that also arrived. 

give or take 6 months before reapply.

do give UOB a try, no harm for you anyway. if you have more supporting documents, the better. e.g. epf statement, bank statements, 3-4 months of pay slips .. all to prove your avg monthly income is around 2.3k.

u may consider Citi Cash Rebate Platinum, the benefit almost similar with UOB One Card. got promotion right now

https://forum.lowyat.net/topic/3145117/+420

https://forum.lowyat.net/topic/3228541

Based on the above topic, you can actually get credit card by pledging min RM5k FD at Maybank, so you can get MBB2Cards.

It used to be the case prior to 2011. During that time, cards are unsolicitedly issued and upgraded. Even credit limit can be increase without you applying. After the big intervention by BNM , they are mandated not to do so. But you might find some agents still doing so for the sake of earning $$.

best card for you is still Maybank 2 Card Amex-Visa/Mastercard.

a tad difficult for annual income below 36k. if possible, you can pledge via fixed deposit?

each card's benefits may not suit anyone. also depends on your spending behavior 

best, of course is HLB Wise with 10% cashback. but the entry barrier is high. stringent application and cashback is based on 3 categories. any spending outside of the category will gain you nothing in return (well, at least give you the RM50 per transaction count). Imagine, paying Unifi at RM150 (rounded to xRM50). This will give you 3X RM50 transaction count, but in the end, you gain nothing back.

next favorite is Maybank 2 Cards. 5% on any merchants during weekend transaction. mid-level entry barrier, but quite a good all-in-one card to have (i've been using Amex exclusively since my monthly spend is sub-1K/mth)

others, e.g. Aeon Watami. 3% cashback per quarter with cumulative of RM3k spending to be eligible. simpler card and entry barrier is low (more benefits during signup, e.g. 1st year AF waived + RM50 rebate). Benefits if you have large spending (RM3k to RM5k) in each quarter.

another good for petrol is UOB One with 5% cashback. some horror experience if pumping petrol after middle of the month (cashback quota depleted!).

so far, personally, Maybank 2 Cards combo is my only card in the wallet. I got no other cards. Happy with it for 1yr+, only heart-attack when I had to spend >RM1k per month (which effectively blew past my cashback).

One thing good about UOB is that it is easy to apply. They are considered lenient in approving applications! One thing bad about UOB One Card petrol rebate is that the bank allocated RM900k on a first come first served basis for all cardmember! Usually this amount would last two weeks or so. Once RM900k has been redeemed, no more rebate for that particular month! On the other hand HL is very selective of their wise cardmember. If you have home loan or Hire purchase with HL you may try. Based on their database, there are around 40k wise cardmember . For a product of about 18 months old, 40k is a very low figure. I'm sure actual application has surpass 100k mark already. So for border line case, you only stand a 40% chance of getting wise card!

It is naturally easier for existing HL customer to get this card. Wise card AF & GST is waived for the 1st year only. From 2nd year onwards, AF waiver is not definite , GST have to be paid. Provided you are capable of getting >RM60 effortlessly by using this card every month, otherwise you get other card. Mach? Forget about it. That card is really a brain twister 

I agree to this. I too had problem trying to contact HSBC cs. After pressing so many things and dumb me I kinda mistook the pin and the telebanking no. In the end I was lock-out after finally got In touch with a human being on the line and He told me i had to do auto reset which means I have to call again and key in my ATM number on my card la, ic num la etc etc...Such a waste of time the CS hotline.