1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: Not necessary, but preffered depending on perks.

3. Card required for:
Ranking in terms of needs:
a. Petrol
b. Toll
c. Cash Back/Rebates.

4. Existing credit cards if any: Direct Access (Gold), Eon Bank GSC (Gold)

5. Preferred Bank or Considering CC from banks: happy to consider any bank that gives more bang for my buck. (or be a slave to the bank)

6. Others: Can live without rewards or cash back, preferred mode of banking: online.

7. Estimated Spending per month with the card: approx RM1K

Wow seriously, sounds like a good deal.

Thanks for the advice.