Hello

1. Annual Income: basic salary of 430,000 SEK (Equivalent to ~ RM 220,000)

2. Free Lifetime Annual Fee: Yes but not a must

3. Card required for:
Airmiles, Cash Back/Rebate, Overseas transactions, Lounge access.
Monthly expenses :
RM 5000-6000 for private hospital bills for chronic disease
RM 1000 for utilities - TM Internet, Electricity, Water
RM 1000 for petrol
RM 2000 for shopping - mainly at Mydin
RM 1000 for shopping - overseas
Once every 3 months - flight ticket with Malaysia Airlines/Oneworld valued at RM 5000 per round trip.


4. Existing credit cards (if any): Never had a credit card

5. Interested in CC from: Any

6. Others: I am Malaysian working abroad in Europe. Never work in Malaysia and never had any taxes paid in malaysia. Always pay taxes abroad. Never had any asset/house/land/property in malaysia. Never applied for any PTPTN or any other loan. No credit card in Malaysia. Have bank account in Malaysia with Public bank. Transfer every month to Malaysia min RM 10K for above expenses. Not sure how to apply for credit card in Malaysia or if it is possible to due to zero credit history and tax history. Thinking of applying credit card for emergency situation and since there is regular expenses amounting to RM10K, then hopefully to accumulate some points for reward redemption or cash back or any other benefit.

thank you.

I have all the documents but in local language. Should I translate them by myself or hire an official translator or should I just provide all the photocopy as it and the bank will fix it themselves?
thanks.