1. Annual Income: RM24K to RM30K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions. So far only can think of those.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Citibank, OCBC, Publicbank.

6. Others: Not that i know of, would prefer cash back rather than rewards point.

7. Estimated Spending per month with the card: Less than RM1K