Hi ..

I looking some suggestion to apply my 1st CC..
Hope to get the suitable CC for my normal usage.


1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: If possible or swipe per month for waiver.

3. Card required for: Online purchase, Movies, Telco Utilities (Phone Bill,Broadband Bill), Grocery, restaurant (sometimes),flight ticket (sometimes)..

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Friends recommend HSBC, UOB, Citibank

6. Others: May use for Petrol in half year times..

7. Estimated Spending per month with the card: Less than RM1K..