1. Annual Income: Around rm30-40k
2. Free Lifetime Annual Fee: Must.
3. Card required for: Petrol rebate / TNB / Govt Tax/ Insurance/Groceries/food
4. Existing credit cards if any: CITI Classic
5. Preferred Bank or Considering CC from banks: Any
6. Others: -
7. Estimated Spending per month with the card: Around RM400 to 500 for petrol only - mostly petronas, ins- 150+, less than RM800 spend on card per month

For UOB One or OCBC Titanium, both has 5% cash back difference are RM30/50 cap.
Both Annual fee waived requirement may achieved, only that OCBC titanium required RM10k spending per year to waived. No idea about UOB.

Kindly advise, thx!