1. Annual Income: RM50K to RM60K

2. Free Lifetime Annual Fee: Preferably no.

3. Card required for: Petrol, Bills, Grocery, and once in a while in watson/guardian.

4. Existing credit cards if any: M2Cards Gold(rebate too little now), CIMB CR Gold(given free for mortgage loan but mainly use for GSC.

5. Looking at CC from: HL Wise card(but the condition of spending 10 times > rm50) or Mach

6. Others: In the past, swipe almost everything with M2Cards Amex.