1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: I'm a frequent traveler so my priority is to benefit the most in terms of AirMiles. Apart from that, the card is also for Petrol, Cash Back/Rebate and Overseas Transactions.

4. Existing credit cards if any: None.

5. Preferred Bank or Considering CC from banks: None.

6. Others: Preferably credit cards which can be managed via online banking.

7. Estimated Spending per month with the card: RM1K to RM5K.


Additional:

When talking about travel benefits, I know there are two types of card which may be relevant.

1. Airline flexible cards (which earns you reward points each time you spend that are convertible to AirMiles).

2. Airline specific card like AirAsia Citibank card (which earns you AirAsia points each time you spend). I don't know of any other Airline specific card that is relevant to Malaysians traveling from Malaysia though.

If it is possible, please advice on both Airline flexible cards and Airline specific cards (which one would be better for the above needs). Thanks.

Hi Snigapoe,

I am well aware of that, I think I should point out to you the spending 'range' that TS stated in his first post (Less than RM1K or RM1K to RM5K or RM10K and above). The range was stated in such a way 'RM1k to RM5k' so to avoid hassle, I was just simply quoting it, got it? I won't be spending RM5k per month obviously, I may be new to credit card but I still know how to manage