All credit cards are usable at overseas.
As long as you have one, you're set. It has nothing to do with your income versus spending at overseas.

Yes .. I know what you mean.
Earn those cards. The senior folks and including myself started from just a basic card to where we are now. Back then the qualifier for Gold and let alone Platinum were extremely high. Times have changed but it doesn't mean you can just get a certain type of card if you don't qualify for it.

Those premium cards expect you to spend. For example MBB VI requires you to spend RM50K a year to get a AF waiver which is RM800 per year. Waiver req is non negotiable. I'm not belittling you but your income is RM62K per year. Can you afford to spend 80% of your income just so that you get a better credit card ?

It wouldn't be practical but it's your money after all. Go ahead if it makes you happy but I would strongly suggest against such an idea.

I reiterate ... earn those cards and this is not a place to suggest or ask for backdoor irresponsible stuff.

(I'm waiting for my fan club to come in and say I got no right to advise against it. It's my right to suggest a responsible answer.)

Bro, you qualify for Maybankard 2 Cards AMEX - fantastic cash back on weekends, and better miles conversion.

Having said the above, from member's posts here at CC Section, if you want lower foreign exchange rate can consider AEON or AmBank credit cards.

Just inform the credit card issuer you are going overseas to avoid any rejects. And I note from other thread you mentioned you only have one card, better to hold credit cards from 2 different issuers just in case AND my advise is that your credit card has the same name as your passport - I was told by my previous StanChart Relationship Manager, who holds a SCB Visa Infinite, she could not use her SCB VI when she wanted to buy a handbag in Europe (can't remember which country) because the name of her card is different from that in her passport (she used her English+ Surname only which is not in her IC or passposrt).
sevendogz, the advice from Human Nature above is the best advise anyone can give for people traveling overseas. Always get third party travel insurance from an agent in your town. You get to claim for damage luggage too and most travel insurance also covers hospitalization.

Few years back, my second son had to go to the emergency ward in California while holidaying with my dad because of food poisoning, and the bill (outpatient) was more than USD1K! My dad paid the bill with his credit card and when he returned, he submitted the bill and was reimbursed in full.
You are my sifu who taught me about airmiles and I'm your No.1 fan 

Your post are facts and one can learn from them if they practice critical reading.

3 years ago: the insurance provider under citibank is Ace Jerneh and it covers Citibank Cardmembers and their spouses and dependent children (where applicable). Cal; up citibank to get the recent terms.