1. Annual Income: S$24k+/-

2. Free Lifetime Annual Fee: Must.

3. Card required for: petrol, Cash back/rebate, 24/36 months interest free payment

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: nil

6. Others: combine bill, more option on 0% installment plan, any advice will be grateful

7. Estimated Spending per month with the card: 1.5k+/-

Thanks for advice..