Didn't apply for any cc before.. somehow all the bank accounts I open will offer me cc. Started off with a 5k basic platinum and they slowly increase my card tier and limit as my salary grew.

Current HSBC cc I have - Just need a minimum of 12 swipes in a year to waive off annual fee. Got free access to Plaza Premium Lounge. Haven't claim anything from my points yet.

This post has been edited by RS42: Dec 29 2022, 11:43 AM