1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: Doesn't really matter if can be waived

3. Card required for: I've arranged it based on my priority.

a) Petrol (if possible, Shell)
b) Cash Back/Rebate,
c) Phone Bill
d) Others

4. Existing credit cards if any:
a) Citibank Shell Gold

5. Preferred Bank or Considering CC from banks:
Doesn't really matter which bank, looking for the best offer out there

6. Others: Please be specific.
a)I would like to look for cash back/rebate cc only, because i think points will be forfeited anyhow in future if i change the card.
b) Since CitiShell Gold change its requirement on the rebate, i think it is no longer the best credit card for petrol anymore. I used the citibank website calculator, and i found out that the Platinum cash back card is actually giving more rebate on my usage level. Is this true? Or there is other cc card with better offer out there?
c) I would like to have only one cc card (government tax ), so if i apply the new one, i am gonna stop the shell gold card.

7. Estimated Spending per month with the card:
RM 300 - 400 on Petrol
RM 100 on Utility Bills

RM7000 annual for Insurance.

ah...it has so much better rebate rate than citishell!!

thanks for the recommendation!!
wanna know that is OCBC has other offers periodically like citibank (coffee beans, tgv, etc), because i have no OCBC card before

Icic..thanks for the tips!

any other recommendation on cc card other than this?