1. Annual Income: Approximately 125k

2. Free Lifetime Annual Fee: A Must (If its a small sum it doesnt matter)

3. Card required for: cash back or good reward points on groceries, bills

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Have 2 months payslip, but need it soon as will be travelling a lot.

Thank you!