1. Annual Income: RM36,000 annual income (Gross)

2. Free Lifetime Annual Fee: yes or low fee

3. Card required for: telco, utilities, petrol, cash Back/rebate only (Necessary monthly expenses only)

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank since IBG is RM0.10 effective on 2nd May 13 onwards

6. Others: Mainly make payment via online banking instead of swiping the card

Honestly, I planned to apply OCBC Ti. But I know it is difficult to get approve. So, any alternative cc can be introduce?