I want to apply for credit card. Can anyone tell me how does it work? Is it the same like debit card? Have to top up money inside then able to use?? Which bank offer lowest interest rate? What's the requirement?

credit card is what they say 'future money'. if I'm not wrong, you have to earn a minimal sum of money per annual to sign for one credit card. won't advice if you're not good at controlling your money, cause many fall into debts and go into bankruptcy.