1. Annual Income: RM42k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Utility Bill, Medical Insurance, Shopping, Cash Back, AirMiles, Overseas Transactions(priority)

4. Existing credit cards if any: Nil

5. Looking at CC from: Any bank

6. Others:
(i) Do i need to have that cc online account for any online transactions?
(ii) I have personal loan to be paid monthly. Does this affect my cc application?