If you don't mind to pay RM 160 annual fees (first year is waived), you can try HLB Wise.
It has some criteria to achieve though, check out its individual thread on this section.

Why didn't you take Maybank 2 Cards Premier? https://forum.lowyat.net/topic/3135958

You can have AmBank and Maybank as well, no restrictions on your cards quantity so long banks approve.

Let me be frank to you, getting first credit card for installment purpose is definitely not a good practice. Buy only if you can afford. Save first.

For Maybank 2 Cards Premier usually starts from RM 30k.
All the best!

BNM rules for credit limit is 2-3x of your basic monthly salary. This doesn't to apply to higher end cards.

Once your salary increases, you can request bank to increase for you. However, they may require latest three months of payslip from you and yet still up to their discretion to increase or not to.

Higher credit limit means higher credit exposure. I have 10 credit cards and total CL is 4-5x of my annual basic salary, few hundred thousands. I'm not sure if my housing loan will be easily approved or not later, when the time comes I will request banks to reduce my CL.

So high CL is not really an advantage actually. So long, it is enough for your normal usage then it is considered OK already.

Refer to this thread for AmEx merchants: https://forum.lowyat.net/index.php?showtopic=3532126

You can have two issuing banks' card if your annual salary is RM 36k and below, otherwise you can have as many as you want so long banks approve.

I hope your salary is not exactly RM 36k or below, if not you can only have two issuing banks' cards, it means you will need to give up one of your existing cards.

Else, if it is RM 36,001 and above then you can have as many cards as you like but subject to banks' approval. If like this, you can apply for HLB Wise suggested by alexanderclz but it has AF that is not able to waive.

If not, you can try Maybank Ikhwan and it is a free for life card.

Gross salary.

Maybank Ikhwan as listed by you.

Add Aeon Gold or/and Aeon Big Gold for PPL.

Aeon Gold is good for overseas transactions as it has one of the lowest charges.

This post has been edited by fruitie: Oct 1 2015, 09:08 PM

I believe it's 324,000.

Aiya, she was just clarifying. Peace everyone.

Who says so?
It's still there.

This is different. Take the normal Ikhwan not Petronas Ikhwan and you will have 5% cash rebate (up to RM 50 per month) for groceries and petrol on Fridays and Saturdays.

P/s: have a look at my signature.

This post has been edited by fruitie: Oct 4 2015, 01:16 PM

You can but if Maybank approves or not that's a separate discussion. Ikhwan has high tendency to reject applications, I have the MBB2Plat as well and being rejected by them twice, just requested to split limit again.

Now you can proceed to this thread for discussion: https://forum.lowyat.net/topic/3394127

I take cash back over TP anytime.

Depends on your usage. If you have a high spending and want to maximize cash back, of course you will need few cards to fully maximize it.

You can see some recommendations in first post and post using the template posted in second post.

Honestly, there is no credit card that is specifically for gym monthly subscription.
I'm attached to Celebrity Fitness and it is with my AmEx, I just earn Maybank treat points only.

Else, you can try RHB Evo but not too sure if it has discount for gym subscription, you can try.
http://rhbgroup.com/products-and-services/...vo-credit-card/

Every card has different function actually...
CIMB CR is better for online transactions.

No tips. Just apply online or go to CIMB KLCC for e.g. is one of the centres which gives 1-hour approval and you will get your card.
Of course it is still subject to bank's approval.

Some will require latest 3 months payslip and/or EPF statement.