Need help. Too confusing. So many table and charts . I heard ocbc titanium is the best in terms of cash back rewards. And free for life. And gov waiver also. Like totally no drawback. Is this the best card?

Before you request a recommendation, please post the followings:

1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM48K or RM48 to RM60K or RM60K-RM100K or and RM100K and above or leave blank.
RM100K and above

2. Free Lifetime Annual Fee: A Must or No only.
Must have free for life

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.
Cash back. Most of the time I don't know what I'll use it for (maybe everything also). Mostly for bills and petrol and weekend entertainment.

4. Existing credit cards if any: List them or Nil.
None from Malaysia.

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s).
No preference. must have online banking. Coz I might not be around to pay physically

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.
Malaysian working in singapore. Wants a credit card for use in malaysia to avoid conversion fees with my sg credit card.

7. Estimated Spending per month with the card: Less than RM1K or RM1K to RM5K or RM10K and above
Probably less than 1k.

This post has been edited by thelws: Apr 17 2012, 12:08 PM