1. Annual Income: RM30K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. UK Visa application (1 time), KLIA, England, Scotland, (Groceries, IT gadjets etc all in UK)

4. Existing credit cards if any: Nil.

5. Looking at CC from:

6. Others: Please be specific. I'm will be migrating to UK for 3 years full time, so i need to use pay pal, cc for daily usage. Maybe most of online. I'm also will paying house loan in Malaysia under Public Bank Malaysia and also car loan under Ambank. But both are under my wife's name. Is it possible?

Please advice