The balance transfer can do with anytime after u take the card...not only for the new applicant.
But the better is apply the new card and then do the balance transfer at the same time becoz u have the extra credit limit to let u to transfer.
I suggest u can try hong leong bank balance transfer becoz for HLB gold card cardholder can have 6.99% p.a. interest rate and the payment is for whole life until u finish paid.That means u can pay any amount every month depends on u.

For platinum card,the most quality platinum card now is HSBC Platinum.
And it have most good service and security...me just upgrade it
I like HSBC so much~
How u all opinion?

no,sometimes bank will upgrade ur limit in every certain time...
some ppl juz earn 3 to 5k per month but they hold platinum card because they are gold card or below before that then bank will upgrade their limit and upgrade to platinium.
Platinium card holder are very normal nowaday alrdy...nothing special.
20k limit can promt for paltinium alrdy normally.

I heard that RHB will lauch a Tesco co-brand credit card on next month..like Citibank Giant card.
but i heard the news come from RHB internal.