1. Annual Income: RM30K - RM36K

2. Free Lifetime Annual Fee: A Must - otherwise depending on how good is the card.

3. Card required for:
- Petrol: Always BHP station when possible (RM180 per month)
- Dining with family (Around RM250 per month)
- Movie + Popcorn: TGV (RM150 per month)

4. Existing credit cards if any: None

5. Looking at CC from: Open to suggestion

6. Others: As can be seen I don't do many swips with the card as it's only a backup plan when I run out of cash so if possible the bank must be lenient in waiving annual fees.