1. Annual Income: Above 60k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: Cash Back/Petrol/Online Shopping/Online Bills

4. Existing credit cards if any: HLB Fortune & Citibank Cashback Platinum(going to cancel this as they do not want to waive my annual fees this year)

5. Looking at CC from: nil

6. Others: Looking for better cash back as coming months will need to spend alot for new house.