what people don't believe is how u unable to follow up and find alternatives, especially your role is a manager. because cc guy are extremely aggressive. their tactics is almost at scammer level where you may unconsciously sign the thing and you know you dont really need it. 6.4k and mnc in most cases they won't let you run away, forget about 'just reject your application'. and they know once they got your business you might recommend your colleagues to them, which is big $$$ in term of kpi and personal profit.

try citibank if you want more eager salesman/women. they are very aggressive and will let you know the reason / alternative cards to get. talk to those in mall if you want to get aggressively served. feel their eagerness after hearing you earn 6.4k in mnc. feel their eagerness and excitement again after they print 3 months salary from epf machine. then you will understand why people think you are trolling.

i'm using citibank cashback and quite happy with it.

as long as you got 3 months epf then u r eligible.