1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Must

3. Card required for: Listed below

4. Existing credit cards if any: None. Applying for my first card.

I plan to spend within my income and will pay on time. My most frequently spent categories are petrol, food, personal health products (toothpaste, shampoo etc), sometimes movies and clothes.

So far reading this thread, I found the Maybank Islamic MasterCard Ikhwan Gold Card to be suitable for me, especially with the convenient auto topup Touch N Go card linked to it and no annual fee. Is there any other card that I should know similar to this before proceeding?

This post has been edited by KokKuan: Jul 9 2016, 05:10 PM

I think using the card 12 times a year isn't a problem. Thanks a lot!