1. Annual Income: RM24k

2. Free Lifetime Annual Fee: dont mind

3. Card required for: Petrol , groceries , shopping once a while. Mostly just to keep it for emergencies.

4. Existing credit cards if any: None. First time user.

5. Looking at CC from: No idea, was thinking CIMB or MBB since I have accounts there.

6. Others: I was thinking about the MBB2 cards, but my annual salary isnt quite there yet. Just need it for emergencies really.