1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only. Probably mostly retail like groceries, dining, and some online transactions.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Open to any suitable

6. Others: First card ever. Currently have no credit history or such.

Thank you for your advice