Hi, would like help in which credit card is much suitable for me.

1. Annual Income: 39600 ~ 51600 (Got extra some extra for now)

2. Free Lifetime Annual Fee: Doesn't matter, as long as below RM100

3. Card required for: Easy Payment Program on gadgets (0% interest), or Flexi Easy Payment, online shopping for games. If can add on for entertainment like movies, and singk.

4. Existing credit cards if any: Maybankard Manchester United Visa Card, CIMB Direct Access

5. Looking at CC from: HLB or RHB or PBB (Cause i got saving accounts on these banks.) However, is up to recommendation if is easier to apply.

6. Others : I don't use card for petrol, I seldom bother about points. Problem i face is my company HR is outsource to a payroll company, so can i apply but phone put to payroll company? But they pick up calls, they always say their company name 1st.

Hope can get reply, thanks.