1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, 0% interest for large sum purchases and paid over 12 months(currently plan to get a system unit from LYN around RM3.5k to RM4k)

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: GSC Eonbank card, Petronas Maybankard

6. Others: Need 0% interest for large sum purchases like computer parts that is payable over 12 months.

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