. Annual Income: - should be sufficient for most cards

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, groceries and others

4. Existing credit cards if any: Citibank silver (retain for sentimental reason), Citibank Giant (to cancel), OCBC titanium (considering to cancel since no more 5% rebate), Maybank2card (to retain as long as attractive enougn)

5. Looking at CC from: Other cards that allows me to get more benefit in terms of rebate or points which I normally use to purchase groceries.

6. Others: Currently petrol using Maybank amex on weekend and OCBC titanium weekdays, now since OCBC reducing rebate to 1%, looking for something else. Groceries -Amex in weekend and OCBC titinium weekdays...

But the annual fees? RM195 for citibank, do they waived that?