1. Annual Income:RM36K to RM60K ( 40K ish)

2. Free Lifetime Annual Fee: Optional, I don't mind annual fee if the reward is more than the fee

3. Card required for: Petrol, unifi, home utilities (TNB, indah water), food during weekends, groceries
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any:no.

5. Looking at CC from: Maybank (account), Citi, CIMB

6. Others: I am a foreigner or I only have M2U account