1. Annual Income: nil in Malaysia, about SGD48k in sg.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate and normal dining/shopping.

4. Existing credit cards if any: 1 supp Malaysian card, UOB One & Preferred (SG), Stanchart Plat (SG).

5. Preferred Bank or Considering CC from banks: Considering Maybank2 Plat & CIMB for their annual fee waiver. Will consider other banks too

6. Others: Please be specific.I only want to pay amount due with my M2U online savings account.

7. Fixed expenses per month with the card: No fixed expenses

8. Non-fixed expenses but recurring in RM: Not specific, only for my spending when I'm back for holiday. Just wanted to get a card to avoid the conversion fees and also didn't want to use my msian supp card from parents.

I think there isn't any fixed rule on foreign income applicants, but if anyone has any experience with Maybank and CIMB would be appreciated.

Thanks