Hi, I never had any CC before and would like to apply. Here are my details..

1. Annual Income: 30 - 33k

2. Free Lifetime Annual Fee: A Must (if No, how much is the fee?)

3. Card required for: EMERGENCIES (hospitalization, and incase short of cash towards end of the month @ awaiting salary) + Petrol + Groceries + etc

4. Existing credit cards if any: CIMB Mastercard (RARELY use, it's actually previous salary account meant for installments, now primary is RHB acc)

5. Looking at CC from: After doing some reading/research from many posts, interested with UOB One Card.

6. Others:
i. Will applying a CC affect my ongoing monthly installment? (CIMB acc for households and insurance, and MAYBANK hire-purchase acc for car; both payments always on time)
ii. FYI: All my bills are settled online. I use the BonusLink/Mesra card everytime during refill petrol at Shell/Petronas.

This post has been edited by futra: Jun 26 2013, 12:58 PM

Thank you for your recommendations, I've decided to go with the UOB One Card. I've applied online last night, and the RM50 cash back promo is still on (extended?) from today till September. Waiting for a call from them today, hopefully everything goes well for my 1st CC.