Citibank Berhad




Hong Leong Bank Berhad (MYX: 5819)













The major requirement is your minimum income.


According to the 2011 BNM guidelines, the minimum income for a first-time applicant is RM24,000 annually.

Banks will require proof of income to qualify you as a credit card holder. Other than that, you must also have a valid identity card, employer letter of confirmation and other documents to support your application.

Not all banks have the same income requirement for the same card type.

For example, a Gold card by Bank A is offered to those with a monthly salary of RM3,000 and above, whereas Bank B opens to anyone earning a minimum of RM2,000 per month.



Income > MYR 2,000





Your credit limit is determined by your annual income (can be non-employment income, e.g. rental income).


If your annual income is RM 30,000 or below, your credit limit is capped at 2X your monthly income.


If you earn RM30,000 to RM120,000 a year, your credit limit is up to 4X your monthly income.


There is no regulation on your credit limit if you earn RM120,000 or more a year.


How much is yours?

This post has been edited by plouffle0789: Jan 10 2022, 12:32 AM

My Citibank Cash Back card has a limit of RM15,500

mine is 5k fd pledge

Why would I disclose personal info?

Only for Malaysian..for foreigners, still limit to below 15K lol

If your annual income is RM 30,000 or below, your credit limit is capped at 2X your monthly income.


If you earn RM30,000 to RM120,000 a year, your credit limit is up to 4X your monthly income.


correct?

how long you use you card edi?

my prestige is 250k

Cukur TS no bump his old tak laku tered

1/2 m

if the foreigners very rich,max limit is 15k only?

I think about more than 10 years already, it's mostly my spare credit card and last time was to pump Shell petrol.

In terms of the credit limit, it also depends. If the person is a bank employee, they can provide a higher credit limit as well based on your credit check.

My citibank clear limit 20k. They offer me to increase it to 50k without document, i rejected the offer

Yup, unless you have premier account. This is for tiger bank

This post has been edited by bananajoe: Jan 9 2022, 09:29 PM

Mine is 250k

Nopes, my boss who was from the UK last time had about close to a million credit limit.

Not local bank right ?

Local bank

my credit limit is lower than my monthly salary

Interesting. Will explore more

Wah ah? Isn’t it good? Emergency time, can use