1. Annual Income:RM36K and above

2. Free Lifetime Annual Fee: Free or swipe xx times to get waived

3. Card required for: Petrol, Cash Back/Rebate Only , shopping center, online (agoda, airasia sometime)

4. Existing credit cards if any: Nil

5. Looking at CC from: hsbc amanah or cimb or any good suggestion? currently know CIMB will have what charges if the payment made to the server which is not in malaysia

6. Others: I wan more cash back, I pump petrol more, everymonth phone bill around 200. no insurance at this moment. the rest is dining in shopping and thats it.


thanks you in advance