CIMB Direct Access is one of the best option for you. your salary must be more than RM1.5k per month for any CC. look at their website and you can apply through email

Direct Access belongs to CIMB Bank. It was a brand previously owned by Southern Bank. You must be a degree holder to be eligible for any card issued by Direct Access.

While sending your application to DA or CIMB, you may try your luck and apply for Alliance Younique. The entry level is as low as DA. On the plus side, your retail purchases can automatically reward you with 0.5%-1.365% cash rebate, on top of that timeless reward points are also given. However, you need to swipe the cc for at least 12 times in order to get the annual fee waived automatically.

p/s: I am not working with Alliance, I am not attached to any financial intitutions and I am not in finance field either.

It's 0.5%-1.365% rebate, subject to a max cash back of RM68.25 per month.

To enjoy waiver for AF, the cc needs to be swiped for a minimum 12 times of any amount per year.

Cash rebate is applicable to all retail transactions, including purchases at petrol stations. If you spend RM10 per month only, your cash rebate @0.5% is 5 cents.

If you swipe the card <12 times per year, AF will be imposed. But you can ask for waiver, subject to approval from the bank. Please browse through the whole CC Thread for your knowledge.

AF = annual fee

If you ask me about the interest rate charged by cc, I am afraid I am not the suitable person to give you the answer! I may sound a bit offensive to others but this is my sincere advice. If you have the intention not to make full payment for the outstanding balance of your cc in the first place, please do not own a cc. Do not develop such a bad habit, especially something related to cc debts. That’s why I NEVER bother about interest rate given by any cc issuers for cash advance, outstanding balance, balance transfer and easy payment scheme. Btw, Alliance Younique provides 0% free interest for the 1st 3 months.

As for the AF, Alliance Younique is giving waiver for the 1st 3 years if you apply for the card before end of July’09. Should you swipe the cc less than 12 times in the 4th year, the AF will be RM148. You can request for AF waiver, but banks always have the final say.

DA....easier to apply it and then apply for another cards...

You:nique card 9% option

Your finance charge is only 9% p.a. for the first 12 months, and thereafter it is subject to your payment behavior in accordance with Bank Negara tier interest guidelines. If you consistently make minimum payment every month, the finance charge remains at 9% throughout the tenure of the card.

From above, after the 1st year, it says if you consistently make minimum payment then you enjoy the 9% interest. What if you pay more than the minimum payment?

Rule No.1, do not have outstanding balance.
Rule No.2. see Rule No.1

You:nique card 2X rewards

Means you get twice the reward points as compared to the cash rebate option. If you ask me, just forget about this option and take the cash rebate option where you get cash back and reward points.

You:nique cash rebate

Please note that the cash rebate is based on tiers and up tp 2%. If you have read previous post in this thread, the max cash rebate is something like max RM68 where no cash rebate is given if you spend more than RM5K for each statement period.

Click here to read more on my comments on You:nique

Direct Access Card - if you are a graduate or member of some profesiional board you will get free for life annual fees without any conditions attached.
Since you spend so much, may i suggest that you get an AMEX Gold Charged Card (because Plat Charged Card hard to get AF waiver) where you won't technically have a credit limit and at the same time they do have pretty good offers (presently 8X rewards points for petrol and groceries) and the "cash back" in terms of redemption is 1.5% if you sign up for 3X Turbo irregardless of how much you spend.

Click here for more info on Amex Cash Redemption