1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate Only, Installment Plans, Groceries

4. Existing credit cards if any: HSBC Amanah Plat, CIMB petronas gold

5. Preferred Bank or Considering CC from banks: no preferance

6. Others: Combined with best BT offer, looking to make BT for one of the CC approx RM4k with installment in mind approx 200-250/month. And also acceptable customer service..not slow and bad one like Bank Islam or HLB..

7. Fixed expenses per month with the card: RM500 petrol, RM600 groceries, RM150 telco.

8. Non-fixed expenses but recurring in RM: none