1. Annual Income: from rm30k++ jump to rm80k++ (change job+position+salary)

2. Free Lifetime Annual Fee: A must lo, unless cashback significantly more than annual fee

3. Card required for: cash back for petrol/toll(tng zing)/bills/groceries and the occasional yamseng (1x a mth)

4. Existing credit cards if any: maybank 2 cards gold + citibank cash back (will terminate citi after get rm50 gst refund since rm120 annual fee and not much rebate, hate the rm50 rebate blocks)

5. Looking at CC from: no idea

6. Others: Since new job require tons of travelling, cannot rely on weekends for petrol cash back. Current maybank tng zing reload fees quite high too. Seeing if new annual income jump can bring me more cashback rewards. I estimate an increase in expenditure to 2k mthly (previously less than 1k mthly).