Usually 0% balance transfer is promotional based and time limited. Year long balance transfer seldom offers 0%.

A few more notes to this card. It's a fully Syariah compliant card, means that there's a possibility that the bank may reject the transaction should it is used in a non-syariah compliant venue/merchant. (e.g Maybe you can't use this card at your KTV when entertaining clients) I remember someone telling me this information several years back which is the characteristic of the Al-Taslif card (AMBank)

The longer no interest period was one of the main attraction. (I inquired out of curiosity) In fact one of my friend who owns a Bank Islam credit card mentions that his outstanding amount (if he pays before/on the due date), the bank will reward him with a discount on the profit rate (this is what they term the interest under the syariah concept) in the next bill. I'm not sure on the rate of the discount though. I'm surprised when I heard this. 

Unfortunately, this is one of the few banks/cc which is not heavily promoted. (I'm not affiliated with the bank    )

@Syd G
Congratulations on your upcoming marriage!  Well, everyone have their own preferences on the cc they use. Probably I think your preference will change over time as and when you are able to get access to better cards. (e.g Classic -> Gold -> Platinum) Probably this won't be applicable for you as your main preference seems to have access to longer "no interest" period. This narrows down the available choices dramatically. 

@Syd G,
If U haf an existing credit card, use that as ur base to apply for this 2nd credit card.

If U don't haf an existing credit card, just apply for anyone that U qualify and use that to apply for this 2nd one

@Syd G
Don't feel bad ... I applaud you for being realistic/honest in your financial management.  Some people are not and it's worrying if they think cc's are a easy mean to get access to funds quickly. Not realizing and the potential damage that cc debt to one person is very worrying. I've many friends who are like that and they spend months and some years to clear (if they can) their cc debts. The best part is that they get into this mess within 1-3 months of using cc.

ZONX, the best CC is a Supp Card from ur Parents or Boyfriend/Girlfriend...

after use, dun have to pay....

@syd G
Why? u was once a victim?

@Syd G
I agree that the HSBC is rather "calculative" in terms on points value but they make this up tremendously via their outstanding CS. Well everyone here would agree on this notion at least.

- If you are worried about the higher annual fees for now, may I suggest (this require some discipline) that he pays for everything via his card for now and you can split the bill later when the bill arrives.
- Postpone getting your own card till maybe 6 months down the road where you probably would have settled down better. Probably your initial card could be the CIMB Petronas card which is Free for Life (FOL). I hope the petrol station crisis would be over by then. This would provide you with the necessary financial independence I think. (Again ... I think you would have thought of this better)
Well ... I wish I have a GF with your virtues. 

@Syd G,
Make sure U keep track of all expenses made; do not make any U cannot afford to pay when the bill comes. Ie: set aside $ for each purchase - that way U don't have to worry about not having sufficient $ to pay

Some banks do offer waivers for supp card holders if the card isn't dormant and is in use.  Alternatively, go with hye's suggestion.

@Syd G,
If I'm not mistaken, Muslims can sing in Greenbox, those individual box, and they serve non-alcoholic drinks. Else how they practise for Akademi Fantasia ? 

@Syd G

Such a nice and considerate gf la you.... 

When will you start your working life?

@jeff_ckf,
U know.. most gfs are like that; at least most LT gfs are!