1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for:

Insurance/PTPTN-400
TM & TNB & Syabas: 200
Groceries - 200
Dining - 50-100
Petrol - 200
Online transaction-Often(Groupon, Lazada, Taobao amount vary)

**Prefer cash rebate and discount on online transaction, point redemption.***

4. Existing credit cards if any: Nil.

5. Looking at CC from: MBB/CIMB/etc

This is my first credit card, and hope to get another for BT.

Thanks.