1. Annual Income: RM38.4k

2. Free Lifetime Annual Fee: I don't quite understand this. Does this mean I need to use the card for a minimum amount of times per month?

3. Card required for: Petrol, Touch n Go, Food, Groceries, Telephone Bill, Shopping (maybe once every two months)

4. Existing credit cards if any: None

5. Looking at CC from: Any

6. Others: The card will be mostly used for petrol convenience, but I will also be using them for other expenses such as groceries, telephone bill, online shopping. Also, I have just started to work, my salary is RM3200 excluding OT and allownaces. (i have 4 months of payslip to apply for the card)