1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must ( Why not? ).

3. Card required for:Petrol, Entertainment ( Cinema and a little bit of mid-tier restaurants ( Chilis, Dragon-i etc))

4. Existing credit cards if any: None.

5. Looking at CC from: Citibank for all those discounts in restaurants, and the Maybank cards with AMEX as suggested in first page.

6. Others: I think Petrol will be 80% of my CC usage. But for now I pumped RM30 can last for more than one week if I really drive it courteously. This is subjected to change as my working location will change from very near to quite some distance from where I stay now.

Just joined the workforce and I always thought that CC is a kind of luxury until I read this post. Thanks for the heads up.
But according to above do I really need a CC?