Dear Mr Gen-X,

Please advise.

1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash back only

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Not sure

6. Others: I will use my credit card mainly for petrol. I also love fine food, shopping and occasional movies in cinema. I also love internet shopping such as buying air ticket from AA or MAS.

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