1. Annual Income: 80k - 100k

2. Free Lifetime Annual Fee: Doesnt really matter

3. Card required for: Petrol

4. Existing credit cards if any: Citibank and Bank Islam - both for education back then. maxed out but already paid 100%

5. Looking at CC from: Any

6. Others: as per mentioned in number 4, now i want to re-apply since i already clear outstanding debt. im debt-free but require cc for petrol and oversea outstation. issue is, just only recently settle everything so is there any cooldown period before reapply?

Yes correct bro.

I see, ok, then i'll wait, not that i need to use it super urgent.

Thanks.