1. Annual Income: RM24K (Gross)

2. Free Lifetime Annual Fee: A Must

3. Card required for: 0% interest Easy payment plan, online shopping, restaurant discount, cash back (optional), pay utility/ bill

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: prefer more branches in KL , no CITI Bank pls

6. Others: Nil

7. Fixed expenses per month with the card: around RM1.2K per month- RM250 petrol, RM570 Dining, RM120 utility, RM40 entertainment, RM200 Insurance .

8. Non-fixed expenses but recurring in RM: Nice dining at weekend RM 100-200 (2 month once)