1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Installment Plans, Gym Membership Monthly Payment, Online Purchase

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Nil.

6. Others: Nil.

7. Fixed expenses per month with the card: ~RM1.5k: RM170 Gym Membership, RM250 Petrol, Installment Plan for Laptop (RM4k), Online Purchase RM700

8. Non-fixed expenses but recurring in RM: Nil.


Thanks!