1. Annual Income: RM70K to RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Grocery(Giant), Petrol, Cash Back, Insurance ~10k per year. Not much shopping and dining out

4. Existing credit cards if any: CIMB Petronas Platinum.

5. Preferred Bank or Considering CC from banks: OCBC Titanium, GE OCBC, Maybank 2

6. Others: Maximize cash rebates, savings thru points.

7. Estimated Spending per month with the card: Normally 1k-2k per month, excluding insurance above. Foreseeable future might incur renovation and furnishing costs for a house.

Thank you.

Thanks for the advice, Gen-X.