1. Annual Income:RM70-80k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Everything.

4. Existing credit cards if any: Maybank Amex and Mastercard Gold, CIMB Visa Gold (CIMB Petronas Mastercard terminated due to stupid low rebate with Tax x2, and i dont use Petronas anymore)

5. Looking at CC from: anywhere

6. Others: To replace my Maybank 2 cards which they will not offer any Cashback after 31st July. Hoping to get both CashBack (5% or more) + Points.

Thanks