Some banks will not take conversion rate for SGD salary.
For e.g., one earns SGD 5k will only be treated as 60k per annum salary in Malaysia, that means the bank goes by 1:1.
Though this person should be earning SGD 5k *3 = approximately RM 15k.

If shitty CCRIS, it will not be approved... Guess you will need to go through FD option.

Nice also won't get. I already prepaid 18 months and my new applications still not approved. Luckily I have a lot of existing cards, gotta wait till October (1 year since my PTPTN adjustment) if that will help.

Yes, I also tried Quantum before putting in application for my PBB VS but unfortunately that was rejected too.

Luckily I don't have any cards that I wanted now except for VS but knowing PBB, they even rejected me when my CCRIS was good two years ago...

Though I suggested people to use FD to apply cards but I'll not do that for myself.
AmBank WMC/VI is coming soon, end of this year or early next year with EA form should be no issue.

Yes.

Apart from above, can also consider Maybank Ikhwan Visa Petronas. 8% cash back for Petronas expenses on Saturdays and Sundays. Max cap at RM 50 cash back.

Besides no TS, it has no interesting cards.

You can. No issue in getting both but of course subject to approval.

Actually Maybank needs 30k per annum.

Be patient and start growing your credit history.

Please follow the front page template and fill in accordingly. Others may advise better in that way.

This is the template:

1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM60K or RM60K to RM100K or RM100K to RM150K or RM180K and above or leave blank.

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.

4. Existing credit cards (if any): List them or Nil.

5. Interested in CC from: Citibank - Premier Miles

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

Since you didn't state your current salary and cash back categories. As a start, apply Public Bank Visa Signature that covers cash back for groceries, dining and online, AF can be waived with 12x use in a year.

You can pay PTPTN's monthly repayment with the AmEx card from M2Cards.
PTPTN website accepts AmEx card and make sure you pay on weekends to get 5% cash back.

Refer to this thread: https://forum.lowyat.net/index.php?showtopic=3532126&hl=

Both as well.

It depends on your usage. I don't mind more cards to maximize my benefits, I have 15 cards now but I don't bring all out.
In my wallet, I only store 7 cards.

Surprisingly most of my cards are free AF, waived with 12x swipes a year or I know the banks give easy AF waiver.
Those with AF, I will use one year and cancel later. These are usually not so important cards for me.

Maybank Ikhwan MasterCard and Visa.
More details: https://forum.lowyat.net/index.php?showtopic=4103568&hl=