1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: No if possible.

3. Card required for: Petrol, Little bit of groceries and bill payment, shopping, buy new smartphone, hotel booking.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank, OCBC, CITIBANK or others.

6. Others: I am a light user. I want to have a cc mostly to avoid bring a lot of cash and hate to cash out at ATM machine frequently, with cc only need to pay once a month.

7. Fixed expenses per month with the card: RM350 petrol, RM200 groceries & shopping, RM200 Telco.

8. Non-fixed expenses but recurring in RM: up to RM 3K gadget per year, up to RM2K accesories per year(watches,perfume,others)