1. Annual Income: RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bills , some Dining bills , direct sales usages .haha

4. Existing credit cards if any: CIMB Classic

5. Looking at CC from: Any that benefit alot

6. Others: My company bankin our salary to our account ( CIMB ) , it seems easy to just transfer the money from cimbclicks to CC and pay off . However if other CC benefit better , i don mind pay rm2 for the CIMBCLICKS transaction .