1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Preferably yes. i'm forgetful.

3. Card required for: repair cars, buy furnitures at ikea, groceries (not specific but major supermarkets), buy gadgets, buy computer parts.

4. Existing credit cards if any: none.

5. Looking at CC from: any, but prefer Standard Chartered or Citibank or RHB.

6. Others: Looking for cards that offer easy payment plan that doesn't tie up with merchants e.g. after i make purchase i can just simply call the bank to divide the payment in 6, 12 or 24 months. Also, if can, low interest. Oh, and NO to any AMEX-based card, it's a taboo for my family.

This post has been edited by cloudstrife07: Jul 9 2013, 02:28 AM