1. Annual Income: RM40K +

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 300 monthly
Insurance - 250 Great Eastern monthly
Bike/Car Insurance - 400 + 500 + 250 - via cash
Utilities - 200 (tnb), 200 (astro) , telekom (100) - online banking
Groceries - 200
TnG - 100 - via cash
Required : Petrol, Groceries, Utilities and dining.

4. Existing credit cards if any: Nil

5. Looking at CC from: unsure

6. Others: currently all transcation made during weekends (petrol + utilities + groceries)

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Noted and thanks