1. Annual Income: RM18K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Medical, Backup(for emergency use).

4. Existing credit cards if any: Nil.

5. Looking at CC from: Not sure. But i have bank account at Maybank and CIMB.

6. Others: I heard form someone, can get easy house loan approval if we having credit card.

Can any sifus here advice what the best for me.

Thanx.