If your income meets the min annual income requirement, apply for credit card with NO ANNUAL FEE.

But generally speaking, if you have got no credit score, meaning your CCRIS is blank.

I used to be in your position and was advised to apply credit card to build up CCRIS, my first card was from UOB (usually comes with annual fee, but first 2 years the annual fee is FREE).

Once you got your first credit card, start using for about half a year/ 1 year, and do make sure you make the card repayment on time, then you are free to go.

This post has been edited by a.lifehacks: Jul 19 2018, 12:34 PM

Recently I came across some article that may assist you in building up your credit score.

https://www.ctoscredit.com.my/learn/how-to-build-credit/

https://www.comparehero.my/blog/if-you-dont...ve-credit-score

Hope the above links help.