1. Annual Income: rm36000 per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: mostly for petrol, but probably some shopping and emergency situations

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank, preferably Islamic type

6. Others: i doubt that I will use my CC so much. If I don't use it, is there any bank that offer 0% interest rate?

Thanks