1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must / If possible

3. Card required for: List all your needs. Petrol, Overseas Transactions, Emergency (during no money time but need money)

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: HSBC Amanah / CIMB Islamic but not Maybank

6. Others: Please be specific. Example: prefer Islamic credit card products. Using it for hotel booking, and other usual purchased.

7. Estimated Spending per month with the card: Thingking to put 3-5K credit limit. Not more than that.