Hi Bro,

Below is my summary. Need your advise and suggestion.


1. Annual Income: RM40,000 per year

2. Free Lifetime Annual Fee: I dont mind. Can be waiveable.

3. Card required for: Petrol/online shopping/Tesco/Guardian/Boutiqes/Dining etc etc

4. Existing credit cards if any: Nil.

5. Looking at CC from: Suggest me

6. Others: nil. Maybe want to buy house and new car in next few years.