Its a good idea to get UOB one card as they are more willing to approve first timer. You may try getting wise card again after using UOB for 6 months .

If you don't have any cards, this is not the first card to get as it will dilute your cash back.

This stupid card only allow you to choose 2+1(mobile is default) categories, you need to swipe rm50 and above for 10 times a month only can get cash back. GST and AF(95% can't get waived) you need to pay also. You shall not apply for platinum card as AF is very high at rm300 and offer same benefit as gold card.
If this is your first card and you choose groceries and petro, you swipe others does not gives you ANY cash back.
First card I see still the best is MBB's dual card, cash backs on weekend and 5X TP everyday using TP. I just redeem rm630 of vouchers yesterday with all the points(1000pts = rm4) I collected.

Well, is up to you.
If this is your first card, total cash back will be < 8.25%
What is your total spending anyway? rm1000 and lesser?

Cash Rebate is 10%. but since most that comments here say AF not waivable, then you need to consider the fact that, AF is part of your cost. and nett cash rebate percentage should be nett of AF.

Based on your spending pattern, looks like wise card is not very suitable due to the terms and conditions. You need to fulfil 10 transactions of RM50 to get the rebate. You lose out on cash rebate if you swipe on non-rebate category.

looks like Mbb2card works better. Though I’m not sure how one pays maxis bill with amex, but that’s for you to find out. go through the t&c for Mbb2cards. Point to note is... you need to pump petrol during weekends.

or... citibank cash back card?

RM240-400 petrol (4-6 transactions)
RM120- Maxis Fibre (Swipe 2 times. RM60+ RM60)
RM250- Utilities (Swipe 4 times.)
RM100- Dining (Twice a month)
Groceries/Shopping (Once a month)

RM300 Petrol - Rebate RM30
RM120 Maxis Fibre - Rebate RM12
RM250 Utilities- RM25

must remember utilities only cover electricity and water bills.

yes, can and via uob payonline.

no, it's free! 

No

whatever "extra" income you have, can attach the prove to strengthen your income part. all the best. 

put more supporting documents, if you can.

for me, i submitted LHDN eFiling (Summary page), EA Form, EPF statement (machine-printed only), 3 months payslips. Settled everything in 1 week. Gotten the card the following week.

good luck!

yes, casa statement is a prove too. but need to get ctc copy from a branch to prove its validity.

Another way is to apply for it using the "pledge FD method". Basically it means you can't withdraw the FD as long as your credit card is active. Anyway, you don't have to do that yet. Make it your last resort 

For your case, you have to choose petrol and utilities, so total cash back will be about rm65(if not mistaken Maxis fiber is rm0 cash back). Total monthly spending is rm1000(assuming your grocery spending rm130). 1 year is rm12000
rm65*12=rm780, after AF and GST, your cash back are only rm570 or every month rm47.5. So your cash back only 4.75%

As for MBB's dual card calculation, most of your spending can be swipe using AMEX, so every month should able to hit rm50 max cash back(must swipe on weekends only).
Again, total spending rm12000, with 5X TP you are getting 60000pts a year and you can use 50000pts to change cash vouchers(AeonBig can get rm210), you said before GST of rm100? Ok, rm210 cash voucher use rm100 to pay GST, you still have rm110. rm110+rm600(weekend cash back), every month about rm59. In actual, you are getting 5.9% of cash back, with balance of 10000pts of TP that valid for 3 years, so on third year you are getting another rm210.
And M2U interface are very easy to use, 1 account you can do most of the transactions. With WISE you need to register another account.

Which is the better first card for you? Guess my explanation will says MBB.

Maxis Home Fibre is under mobile category if pay via http://pay.maxis.com.my

Not just BHP, most of the petrol station(especially smaller scale) will reject AMEX, this issue already came out before on newspaper. Visa/master are charging 2-3% while AMEX charging freaking 4.5-5% from merchant. The outcome still unknown(but heard that Visa/Master willing to charge 1% only).
Yup, that's the setback on AMEX, before I get MBB, I'm using OCBC.
Another card you may consider is HSBC's, also on weekends only
Guess you need to have a strategy to get the most from the cash back. Like my WISE I'm using it to buy Milo and sell back to coffee shops

The wise card, as the given name, is for the group of ppl who can micro manage the usage and fully utilise the benefit. Me myself is taking the exactly 8.75% CB (x3 cards) without fail for more than a year. With the rich information given in this thread, it's should be sufficient for you to maximize the benefit as well. Wonder why there is still so much complaint

Yup, you know your spending the best.
Indeed AMEX are sort of "balia" card in malaysia.
For me I got no issue on using AMEX since I have both MBB and WISE, combine both of them are still the best way to get the most out of my spending. WISE for groceries, petrol while AMEX for others.

HLB Wise 8.25% (Annual fee + GST) MBB2Amex 6.58% (GST) PBB Visa Signature 5.98% (GST) Aeon Watami 3.4% (No annual fee, GST waivable)

Those are basic effective cash value rebate (including reward points), have not taking into account those ongoing promotion.

Good luck digging from banks

I suppose that's mean additional monthly statement.

last time i apply at hlb gardens midvalley (outside midvalley), the officer told me:

swipe 1 time within 45 days of card activated then hlb will credit back rm50 on 3rd statement, plus free 1st year annual fee.
must pay gst in 1st statement. annual fee immediately waived.

update:
i apply on sunday, since this branch open on saturday and sunday till 6pm. very convenience

14-21 days of waiting period

Once you get it, you need to swipe 10X rm50 within 2 days. Else you don't do any transactions and only do on December

Because the postage date tends to take longer when nearing to cut off date
Happen to me on the first 6 months when I got the card. Almost every month I sure will complaint on something. So my personal cut off date each month is 22nd.

Nope, to make sure you can't enjoy maximum cash back