I don't have the top 3 credit cards.
1) Maybank 2 premier ( need to spend 80k for free membership, I will not spend so much, out)
2) American Express Platinum Credit Card (Annual fee:1st year fee-waiver RM800 (basic) )
3) AmbankWorld Master Card/VisaInfinite
Annual Fees Waiver to me is very important.