1. Annual Income: RM30K - RM36K (will increase to RM60k - 100k in April next year)

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (~RM250), Groceries (~RM400), Utilities (~RM150), Online shopping (sometimes)

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank 2 cards

6. Others: Using debit card now (PBD2D for cashback), but I would like to improve my credit ratings for a housing loan in the future. Plus, I might use ezypay for lasik procedure. It's just too expensive to pay in full amount. Was looking at MBB2card but noticed that gst went up to RM100. Is it still worth it, or is there a better card? Considered HLB wise too, but I do my groceries in bulk (RM200 x 2 times per month), so it'll be hard to swipe 10 times in a month. And my annual income will increase next year, so should I wait for it or just get the card now?

p/s: Btw, I'll be living in Kuantan next year, so how good will amex be outside klang valley? Main concern is shell petrol station. I know most shell accept amex in klang valley, but what about other areas? Thanks!