1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: If possible

3. Card required for: main concern is on shopping, gadget/ home installment. Overseas transaction
If possible with free airport lounge access.

4. Existing credit cards if any: Nil

5. Looking at CC from: Was looking at the maybank 2 fard and citibank rewards platinium

6. Others: plan to get rewards point from the cards, as well as those that is best in making installment.

Hope to have some recommendation from everyone.
Felt reluctant with the maybank 2 card because the rewards point expired after 3 years..

Thanks