1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes, preferred

3. Card required for:
utilities-maxis 150, streamyx 130, tnb 70, pba,
Takaful 500
Shopping - retail, departmental (mainly), online (rarely)
Travel (local hotel, flight, agoda)

4. Existing credit cards if any: cimb mc petronas, process of applying mbb ikhwan



6. Others: hlb essential can use for utilities?