1. Annual Income: RM36K to RM42K

2. Free Lifetime Annual Fee: A must

3. Card required for: Petrol/Oversea Transaction/Shopping/Online booking

4. Existing credit cards if any: Citibank gold card (supplementary card from my father)

5. Preferred Bank or Considering CC from banks: Maybank (because my company transfer my salary to here), CIMB & citibank (heard that the promotion is quite good)

6. Others: Convenient enough

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

Thank you