Hi, pros

1. Annual Income: RM36K to RM86K

2. Free Lifetime Annual Fee: YES if possible/ as low as possible.

3. Card required for:

Top Priority:
a) Overseas Online Transactions
b) Local Online Transactions

Nice to have:
c) Cash Back/ rebate
d) Petrol


4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil

6. Others:
(i) Low or no minimum spending requirement per year
(ii) convenient to make payment

Please advice.

Thanks in advance.