1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: petrol & retail purchase(not only limited to certain merchant like a store card) cashback, better if can earn points at the same time.

4. Existing credit cards if any: MBB Petronas gold card (collecting treats point only, no retail purchase cashback), PBB gold card(nothing much, applied it last time to do balance transfer, going to cancel after finish installment), CIMB Petronas gold card (currently using this card to do al my purchases because they got 5% cashback on 1st of everymonth and 2% cashback other days when u buy petrol in petronas. Other retail purchase i'm not sure how many%, quite low i think, because my statement show lump sum at the end of the month, so i don't know which purchase qualifies for cashback. This card has no points collection like treatspoint. if there's any card better than cimb in terms of cashback and points collection, i'm willing to change.)

5. Preferred Bank or Considering CC from banks: no preference. as long as good cash back %, can collect points and better if come with other benefits such as airport lounge excess etc.

6. Others: minimal or no fees for overseas transaction. cards that tie with a lot of merchant for more discount, preferably dining.

7. Estimated Spending per month with the card: RM1K to RM5K

thanks for everyone recommendation.

This post has been edited by zenwell: Jun 28 2011, 11:58 AM