1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 250 monthly - Shell / BHP
Insurance - 200 ( Great Eastern )
Online - 100
Utilities - u mobile
Groceries - 100
TnG - 100
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Maybank2card (Visa + Amex)

5. Looking at CC from: except Maybank but can make payment thru Maybank2u

6. Others: i prefer Master card