1. Annual Income: RM30k+

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online transactions, backup for cash,

4. Existing credit cards if any: Currently using EOB GSC VISA

5. Preferred Bank or Considering CC from banks: Prefer Banks with more facilities, such as cash deposit at major cities.

6. Others: Please be specific. Currently working in district area, Jerteh (TERENGGANU) where major international banks are not available here. I am from PG, will go back at least once a month. However, dislike to travel long distance just to deposit money.

7. Estimated Spending per month with the card: WHEN NEEDED. ard <1k i think.

@Gen-x, i think Frostload's boss being not stingy, will opt for online wiring for the cc payments; skipping the hassle of travelling and queuing for cash deposits. my bad, too as most of the bosses are stingy in nature.

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Installment Plans, Online Purchase, Movies treat,

4. Existing credit cards if any: HLB GSC Visa

5. Preferred Bank or Considering CC from banks: NONE

6. Others: Nil.

7. Fixed expenses per month with the card:
- Plan to put some bills payment with it
- Petrol usage, minimum level
- Insurance payment
- Entertainment (Movies, restaurant occasionally, groceries


8. Non-fixed expenses but recurring in RM:
- unexpected large sum where do not have cash (shopping(rare), vehicle servicing/insurance)

Tips:
- seldom travel around
- use CC just to get the maximum quality of money instead of using cash
- A great fan of keeping myself debt free, so im a good financial controller.
- Cash rebate/voucher redemption would be great in return!

thanks for your time and recommendation sifus!