1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must (or with simple condition)

3. Card required for: Good cash back and/or reward points conversion without a lot of restrictions.

4. Existing credit cards if any: Maybank2Cards

5. Looking at CC from: Open

6. Others: I like Maybank2Cards especially the AMEX. But recent points inflation makes me want to look for better option. There are still a lot of merchants who don't accept AMEX (restriction) and the cash back is only on weekends (another restriction).

Thank you.

No specific categories, but I mostly use CC on petrol, groceries and dining.

Will look into those. Thanks.