1. Annual Income: 26k

2. Free Lifetime Annual Fee: A Must

3. Card required for: installment plan mainly

4. Existing credit cards if any: -

5. Looking at CC from: Anywhere

6. Others: i will use this card to buy some home equipments (e.g tv etc) and using their installment plan. most probably i will buy from sen heng tho im not sure which card do they accept. i do online shopping regularly also and movies so if got any rebates from these expanse would be a bonus. i'd look up for the hong leong mach card, it does suit for me unfortunately the card do not have installment features with it.

ty

thanks to both of you, really helpful