1. Annual Income: > RM70k

2. Free Lifetime Annual Fee: No

3. Card required for: Primary - Supplementary for Maybank2Cards Amex gaps (non-weekend spending/non-AMEX accepted merchants). Secondary - As I dine out often, a card which has discount for dining outlets is important (Hence why I listed banks which has them often). Bonus if there is lounge access in KLIA, but not important as I don't really have time to enjoy anyways.

4. Existing credit cards if any: Maybank 2Cards Plat

5. Looking at CC from: CITI/HSBC/SCB/UOB/OCBC/CIMB

6. Others: Please be specific - Also looking for a way to maximise certain type of spending e.g. Dental treatment/Non-online hotel booking/Car workshop swipes. No premier/infinite/world cards as well, I won't qualify.

Thanks.