1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must - Ok to have waiver with conditions.

3. Card required for: Cash Back/Rebate for petrol, online transaction (bills), and retail shopping. Good reward point is acceptable, and free lounge access (seems impossible for my income?)

4. Existing credit cards if any: M2Card Gold & UOB One Classic

5. Looking at CC from: Any

6. Others: I want to cancel off my M2Card because Amex is not widely accepted in Kuching. It will be good if using Visa/Master. My expenses usually as the following below:
- Petrol RM200 - RM260
- StreamyX RM100
- Mobile Celcom RM45
- Groceries RM100
- Other retail purchases - Not fixed, can be more or less