1. Annual Income: rm33000 per year

2. Free Lifetime Annual Fee: A Must/ or other method

3. Card required for: 1. Petrol month estimated RM500
2. Monthly Hotel Stay RM600
3. Insurance, telephone bill and others RM600

4. Existing credit cards if any: Supplementary by RHB (spend RM2k per month)

5. Looking at CC from: any bank

6. Others: Looking for exchange point for gift, good cash rebate, if have other benefit from using CC all wellcome. (payment in time or sometime advance payment)