Glad to have found this thread. Please help me

1. Annual Income: RM36K to RM42K

2. Free Lifetime Annual Fee: (No Comment)

3. Card required for: Mostly for Installment Plans (furniture & etc.), perhaps also for overseas transaction/spending (not that crucial, nice to have i believe, as at the moment, rarely travel overseas).

4. Existing credit cards if any: Nil.

5. Looking at CC from: I guess doesn't really matter. Currently, other banks I am familiar with (not for CC) are Maybank & CIMB.

6. Others: I have started working for 5 months (permanent job). I'm planning to get some new furniture for my new place. I went to Courts Mammoth wanting to use their installment plan, but I found out their total interest rate is equal your spending (eg. for RM5K furniture, total payback after 3 yrs plan is at least RM10K). So, can you guys help with suggestion on any good credit card for my needs?

Thanks.