1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Maybank or HSBC or others ..open to suggestions..

6. Others: Getting this card for overseas transactions purely for now. May consider terminate after the trip or use for petrol and shopping.

7. Estimated Spending per month with the card: Less than RM1K