Hi all. I'm considering getting a SCB credit card as my first cc so I have a few questions.

Background : just started working 3+ months and my salary meets the 24k minimum.

1. Would the Liverpool card or JustOne platinum be a better deal? Both offer CB but the Liverpool card's annual fee is slightly lower. Plus my SO is a huge Liverpool fan, so was thinking of getting the free jersey for him.

2. I've read through some of the posts and it seems like it is quite easy, just need to call. Is this still true recently?

Sorry if they've been asked haha.