Hands down, one of the best credit card for students and NSFs. 1% cashback on all spending with no minimum required. The quarterly ("annual") fee is also easy to waive! Moreover, Maybank has quite a few good deals occasionally as opposed to CIMB which also gives 1% cashback but is only limited to telco, dining and online shopping. Customer service is easily reachable via the hotline with decent waiting time as opposed to other major banks like OCBC. However, the iBanking platform isn't as wonderful and smooth as compared to DBS or even CIMB, which got revamped recently. Nevertheless, I still highly recommend this credit card for all NSFs and students! Great way to earn rebates and build your credit score. Currently, this is my main card for all spending and expenses!