1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: no

3. Card required for: Hotel when travel for work, which is seldom actually or emergency when couldnt find atm, etc.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: As long as convenient to pay. I have account with CIMB and Maybank though.

6. Others: prefer not to pay the govt tax

7. Estimated Spending per month with the card: Less than RM1K


Btw, I actually wanted to apply for CIMB's Direct access visa gold for graduate, but check out their website, no gold card offer anymore. Is it Direct Access only cater to high flyers now?

Thanks.

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Added on April 25, 2011, 2:09 pmsorry, correction for no. 2. Free lifetime annual fee is a MUST!

This post has been edited by nc_ean: Apr 25 2011, 02:09 PM

2 cards actually need to pay d govt imposed tax 100 bucks. i read their conditions ad.