1. Annual Income: RM24K to RM30K (Ext 26400)

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol and Bill Payments (Digi + Unifi)

4. Existing credit cards if any: Takda, Since supp doesn't count

5. Preferred Bank or Considering CC from banks: PBB or Maybank (PBB as Esso? , Smiles card supporter)

6. Others: Could get points For ALMOST EVERY usage, or cashbanks.

7. Estimated Spending per month with the card: Less then 1k

PBB-ESSO Gold is my current Target, 3% (4th Tier) (Fuel Usage around RM450-500) + 1.5% on Smiles is good enough, and 0.16 sen's Discount on RM5.30 Gardenia Every2-3 Days.

(RM450 Fuel + RM50 Gardenia Roti )= RM500, = mostly tier 4?

Or Is there any other better choices...

Gah, Same answer, just when i wanted to Pledge in FD at thier branches yesterday, some officer told me that it is no longer possible to Pledge FD for the particular card...

Only applicable if you have Current C.C or meets the Annual Income.

Tried on Maybank Dua, Straight kena Reject Due to Low Annual Income... +_+

So any other recommendations?

thank you.