1. Annual Income: RM 40k before tax and EPF

2. Free Lifetime Annual Fee: MUST

3. Card required for: AD-HOC hotel payment, and maybe buy some stuff but i need a credit card record so it will be easier to make housing loan from bank. i mean, if they wanna check my payment record. so far no hutang yet...

4. Existing credit cards if any: None but i got two Debit cards, haha

5. Preferred Bank : considering the maybank 2 cards

6. Others: Careful spender, rarely spend on something unnecessary

7. Estimated Spending per month with the card: less than 1k.