1. Annual Income: rm24k++ per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: instant cash but pay monthly/petrol/online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank seems im in kuala lumpur

6. Others: actualy i want to make a personal loan, but most of the bank rejected me coz i dont have any commitment. is there any solution about my financial?