1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: I don't mind calling to request for waiver

3. Card required for:

- Paying PTPTN's outstanding in 1 go (RM10K-20k)
- Purchasing retail big ticket items such as electronics & gadgets
- Dining (eating out everyday)

4. Existing credit cards if any: None

5. Looking at CC from: AEON Watami or SC Gold Cash Back has 3% cashback for PTPTN IINM. Is there any other better alternatives?

Many thanks!