1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Shell RM200-300 p.m.), groceries (Jusco), utility/phone/internet bills, movies (GSC), any perks or cashback at Starbucks and bookstores (MPH) would be a nice extra. Occasional online shopping.

4. Existing credit cards if any: none

5. Preferred Bank or Considering CC from banks: Maybank/Public Bank. Can consider others too, if the terms are good!

6. Others: Something that avoids the GST RM50 charge?

7. Estimated Spending per month with the card:RM1k or thereabouts.

thanks!