1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: No.

3. Card required for: Instant Cash, Payments during oversea trips, Petrol, Online Purchase

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: CIMB since thats where my savings are stored and I'd like to have everything under one roof if possible.

6. Others: -

7. Estimated Spending per month with the card: RM1K to 5K

I'll go over the articles once I have a decent internet connection, admittedly there is a lot that I do not know about them.

Would I have better options if I didnt have to exclusively go with CIMB?

And which bank offers debit cards that allow overseas withdrawal and online purchasing?

What I got from this is that I need a debit card that has Visa/Mastercard with the Plus logo. The last time I checked over a year ago, not many banks had these.

One other question I have is regarding my father's choice in a card; he is a seasoned traveler who goes overseas every month or so and spends quite some time there for work purposes. He swears by a HSBC card stating that it's easy for him to withdraw money or settle payments due to the sheer availability of these banks worldwide. What is your take on this and would you suggest he goes for something else, like Citibank instead?