1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: PUBS! Petrol, Cash Back/Rebate Only, Groceries

4. Existing credit cards if any: Citibank Shell Gold, Citi Clear and Ambank RealRewards

5. Preferred Bank or Considering CC from banks:
Applying right now for Citibank Cashback Plat, OCBC Titanium and UOB 1 Card Plat while getting rid of Citibank Shell Gold and Ambank RealRewards

6. Others: Please be specific. Example: Low interest during certain months when I do exceed and have outstandings.

7. Fixed expenses per month with the card:
Telco Bill - RM150
Petrol - RM300
Coway Water - RM100

8. Non-fixed expenses but recurring in RM: Lots of pubs/clubs. Dining. Movies.