1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A must (No minimum swipe/spending)

3. Card required for: House downpayment installment (Developer only accept Hong Leong Bank Card to get 0% interest for 12months installment)

4. Existing credit cards if any: MBB Platinum Ikhwan, Citi Clear

5. Looking at CC from: Hong Leong Bank Only

6. Others: Minimum CL of 10k - 20k

That's why I couldn't find the card in HLBB website. Not so sure which one to pick then. Will be using my MBB Ikhwan card most of the time I guess, but will keep the new HLBB at least until the 12 month installments finish. Just look at HLBB Wise card, sadly no AF waiver. Any other suggestion sis?

Thank you, so if the installment total amount is more than RM8k, I'll directly entitle for AF waiver. Then cancel it in the second year.

I don't like to have commitment, like to use this certain amount of swipe, then only can get AF waiver. Because I'm not confident whether I can keep track of using it 12 times per year. Guess need to start all the listing/writing stuff to keep track of these.