1. Annual Income: above RM200K

2. Free Lifetime Annual Fee: Preferable, but not a Must

3. Card required for: Petrol, Utility Bills, Monthly expenses, entertainment.

4. Existing credit cards if any: Not Malaysian issued CC

5. Preferred Bank or Considering CC from banks: Any

6. Others: Just returned from abroad under the REP program. Have CC from abroad. Still have 1 CTOS record from over 15 years ago where I stood as guarantor, outstanding about RM$1290. Need a local card so that I can cancel the foreign issued cards.

7. Estimated Spending per month with the card: Average RM5K