1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Not necessary if it can be waived with condition

3. Card required for: Cash back, Online and Oversea transaction, Hotel, Groceries, Petrol, Gadgets, Dining out and Retail Shopping

4. Existing credit cards if any: CTB Reward and Clear

5. Looking at CC from: Any

6. Others: Bank just sent out email saying removing my unutilized Installment Limit to Zero for Reward card. Is this a good thing ?