1. Annual Income: RM42K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(seldom), Cash Back/Rebate Only, treatpoints, shopping

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: just read about alliance Younique. Seems to be quite good. Was considering MBB 2 Gold too. But AMEX is not popular in malaysia, and most of the benifits are only entitired for AMEX (such as cash rebate, 5X treat points, etc)

6. Others: Please be specific. Example: I started working half a year. currently still debt free. (PTPTN load statement will coming anytime by now.) =p

7. Estimated Spending per month with the card: Less than RM1K or maybe slightly more than RM1K.

THANKS!!!