1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Dining, Groceries and shopping

4. Existing credit cards if any: Shell Citibank silver card (Going to discontinue soon)

5. Preferred Bank or Considering CC from banks: Considering CC from banks

6. Others: NIL

7. Estimated Spending per month with the card: Less than RM1K

Need your advice, thanks.!