1. Annual Income: RM96k

2. Free Lifetime Annual Fee: Preferred or somewhat cashback can cover it

3. Card required for: Cashback. Mainly for petrol, utilities and insurance. Sometimes for groceries, dining, online shopping, etc.

4. Existing credit cards (if any): NIL

5. Interested in CC from: Any

6.Others: Just came back to Malaysia and worked for ~6 months.
Applied for CIMB cash rebate but got rejected.
Currently waiting for decision for Maybank Barcelona but it is already 1 month so am looking for another card in case rejected again.

I am also thinking about HLB wise card, as I have financial records in HLB, which probably make it easier to get my first cc in Malaysia.
What do you think about this card?

Or, should I just apply a basic card without annual fee or essential card with conditional waive to secure a cc to build credit record first?

Btw, does the retails transaction in HLB includes patrol, utilities, internet, etc?
The definition of retail transaction in their website is so vague or the above mentioned are not listed in either include or exclude...

This post has been edited by willtwr: Apr 12 2020, 12:51 PM