1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Shopping

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Maybank or Pubic Bank. Do suggest if you think there are better ones.

6. Others: I'll mostly use the card to buy electronic gadgets thats over RM1000 and pay by installments.

7. Estimated Spending per month with the card: Less than RM2K

Thanks. The reason why I list Maybank and PBB is because I already have an ATM card for both banks and I kinda want all my cards to be under those two banks instead of various cards for different banks. I'm not sure if that's a good idea though. I feel that it might be hard to keep track if I'm with too many banks. I'm still new to this so thats kinda what I think...