I having the same experience a few years back. It is because the record is too clean. You need to have something like a car loan or any credit card history.

For me, I have no problem obtaining both Maybank and Public bank Credit Card, probably because I used to have both Maybank and Public bank debit card for years.
I having trouble to obtain Citibank, HSBC and CIMB though, I have called them up and they mentioned that the lack of credit record.
Citibank require you to work in a Public listed company of having a loan for at least one year before you could apply.

My 2 cents, apply the same bank as the one in your debit card or Apply UOB bank, they are pretty lenient.

Sorry, I may use the wrong choice of words previously. When I mean too clean, I mean there is no record at all.
Just like the one shown by TS.

If you observe at the installment area, there is no credit record at all.
Good record and no record are different.

I believe you mean by '0' is promptly repayment of loan?

Also, did you apply the BMW or/and housing loan before applying for a credit card?
Because normally, if you apply car loan/housing loan , they will give you credit card even you didn't apply for it. At least from my family and friends experience.