1. Annual Income: RM75k

2. Free Lifetime Annual Fee: MUST

3. Card required for: List all your needs
PTPTN - 100
SESCO - 100-200
Groceries and shopping - 500
Petrol - 300

Priority on cashback, rewards, points exchangeable to other points like Bonuslink and Enrich.

4. Existing credit cards if any: Ambank Carz Platinum

5. Looking at CC from: Any
If possible have wide array of EPP for phones, furnitures etc.