1. Annual Income: RM150K

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs. Petrol, AirMiles, Overseas Transactions, Free LCCT Lounge Access

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: MBB VI

6. Others: Want to use points to redeem for free flights and MBB VI seems to have the best rate.. but min income is 240k/year. 150k/year can qualify?

7. Estimated Spending per month with the card: 5k