1. Annual Income: ~60k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Mainly Petrol and bills (Internet, HP, TnG, TNB), some grocery/dining
4. Existing credit cards if any: None
5. Preferred Bank or Considering CC from banks: Considering between OCBC Titanium & Maybank 2 Card
6. Others: Have Maybank/Stan Chart & Public Bank savings accounts (due to employment etc.) already so convenient payment would be good. If can get rebate/points for TnG reload better.
7. Estimated Spending per month with the card: Should be about 1k (at least 500-600 on petrol, ~100 on HP, 68 on internet, >100 on TnG)