Kindly advice me on which credit card i should get. so far i never use any credit card before because i prefer buy item using cash last time and now i think is time to get a credit card because sometimes i dont wanna bring cash walk around or LRT.

1. Annual Income: RM72K+-

2. Free Lifetime Annual Fee: A Must. (what bout GST? any bank can waive it?)

3. Card required for: Mostly spend on Petrol(Esso) , Dining & Grocery only.

4. Existing credit cards if any: Non

5. Preferred Bank or Considering CC from banks: Any bank will do. Just gonna know which deal suit me. Currently mostly use Maybank to transfer and purchase.

7. Estimated Spending per month with the card: Monthly expenditure average 3k. 6k(once save enough cash i will spend all on food or gadget)