Hi there,

1. Annual Income: RM36K to RM50K

2. Free Lifetime Annual Fee: A Must/ Call & Waive at least

3. Card required for: Petrol (Shell or all petrol station), Phone bill ( U mobile), TM bills, occasional domestic travel (hotels).

4. Existing credit cards if any: None

5. Looking at CC from: Open for suggestions

6. Others: Looking to get some free gifts / vouchers when apply.

Thanks in advance