1. Annual Income: Above RM 35000 (might revised to above 40k soon)

2. Free Lifetime Annual Fee: A Must. Free the RM 50 Gov charge too is possible

3. Card required for: Shopping

4. Existing credit cards if any: Maybank Ikhlwan Amex, CIMB Direct Access Mastercard, RHB Classic Visa

5. Looking at CC from: Preferred Citi, HSBC

i just read the new bnm rule and wonder what's the impact for me if my cards are currently tied as as below

CIMB Direct Access - to Digi for 24 monthsm left ard 12 months to go
RHB Classic Visa - to another merchant with a 24 months of 6k ezy payment