1. Annual Income: SGD26,400

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Buy airline ticket, online transactions, shopping goods, bills, dining, Cash back/Rebate Only, Air Miles, Overseas Transactions.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any bank in Singapore.

6. Others: Please be specific. Example: I am a foreigner, I want cash back only and no reward points. I want with a monthly repayment

7. Estimated Spending per month with the card: Less than S$1K or no monthly spending required.