Annual Income: RM60K

Free Lifetime Annual Fee: A Must or Waived with minimum swipes

Card required for: Cash Back for Petrol, Groceries, Utilities, and Online Transaction.

Existing credit cards if any: Nil

Looking at CC from: Any

Others: I know it's impossible to have a single best CC that fits my needs above but please recommend the CC that offers the best cash back for each of the category or combination.

Maybank Ikhwan looks good. Will apply for it. But for UOB VOX and CIMB CR...still can't decide which card to get. My utilities will be TNB and mobile and internet bills like Celcom, Dgi, UMobile and P1. I hought it'd be easier to go with CIMB CR since it's free without condition but saw in later post, you mentioned most bill payments are not accepted. Help?

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must or minimum swipes

3. Card required for: a) Digi and Celcom mobile bill payment
b) Online purchase

4. Existing credit cards if any: No cash rebate CC

5. Looking at CC from: Any as long as I meet the income requirement

6. Others: Looking for cash rebate cards only and please let me know the hidden charges/fees (if any)