1. Annual Income: RM50k to RM55K

2. Free Lifetime Annual Fee: Yes or can be easily waived.

3. Card required for: Cash Back/Rebate
a. Maxis Bill
b. Insurance
c. Dining
d. Retail Shopping
e. Oversea Spending

4. Existing credit cards if any: Maybank2Gold Card

5. Looking at CC from: Any

6. Others: Maybank changed the AMEX card to only CashBack dining and I planned to cancel it if there is a suitable or better card other than that. Besides that, many places does not accept AMEX.

Thank You!