Hi, would appreciate if you could advise me on the below.

1. Annual Income: RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Example Petrol, Cash Back/Rebate Only, Overseas Transactions

4. Existing credit cards if any: List them or Nil.

5. Preferred Bank or Considering CC from banks: None

6. Others: Actually I'm going oversea, I need a CC to pay my accomodation as I dont think I will bring a few thousand cash with me..

Hope to hear from you soon.

Thanks!

For your case, try click here and rad my review of Maybankard 2 Cards. The card is Free for Life without conditions. It earns you 5X Treats Points AND on Saturdays and Sundays it earns you 5% cash back for any transaction. Only thing is where you pump petrol, if you pump at Petronas then most probably the MBB 2 AMEX not accepted.

Fast fast go apply for MBB 2 Cards, they having promo RM100 Bonus Cash Back for New Approved Maybankard 2 Cards cardholders.

If you in Klang Valley, go to 1U (Saturday Morning also can) and apply for it on the spot.

If rejected that go apply for UOB One Card (click here to read about it) which is great for petrol because you earn 5% cash back everyday. But note, for the classic card, you need to swipe 60 times for auto annual fee waiver (first year should be free and you should get some freebies).

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Whoa! Thank you for your prompt response and valuable advise. Thanks alot! Appreciate it!

Hi, would appreciate your advice on the below:

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Nil

6. Others: Please be specific. Example: Option 1: I want cash back / Option 2: Can pay by M2U online savings account

7. Fixed expenses per month with the card: RM300 petrol

8. Non-fixed expenses but recurring in RM: RM200 pay pal every 2 months

Thank you!