1. Annual Income: RM26k

2. Free Lifetime Annual Fee: The best that with minimum usage to waived is good enough.

3. Card required for: Emergency, Point Collection, EPP service for electronics and household stuff, petrol and also maybe online purchase?

4. Existing credit cards if any: NIL

5. Looking at CC from: Any Bank as long the service is good Enough and rewards are worth looking out for...

6. Others: Tesco,Travel, Rewards, or cash back.

*Never applied any of this before, just gotten my salary to 2.2k monthly 2 mth ago..