1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Shopping, Mini Home Business(planning like sell stuff through lowyat)

4. Existing credit cards if any: Nil. TOtally newbie, just graduated.

5. Preferred Bank or Considering CC from banks: Maybank / CIMB (have 2 accounts currently, easier to pay the debts through online, rite?)

6. Others: Looking for a Card for emergency use when going to pay the bill in restaurant w/o enough cash, points to redeem IT gadgets,

7. Estimated Spending per month with the card: Less than RM1K or RM1K-5K (perhaps)

I'm totally New to Credit Card, but im thinking on enjoy the freedom while having the benefits? ( is there such thing?)

Thanks a lot for help!