1. Annual Income: RM36K to RM48K
2. Free Lifetime Annual Fee: Optional
3. Card required for: Oversea hotel, petrol
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Preferred Maybank but not a must.
6. Others: Mostly use for oversea, therefore need to have a card without headache oversea
7. Estimated Spending per month with the card: <400 for petrol. Oversea spending can be up to 2-4k but claimable.