1. Annual Income:

2. Free Lifetime Annual Fee: no (possible if waivable)

3. Card required for: grocery, petrol, mobile, dining, online, insurance, premier lounge, (the more the merrier?)

4. Existing credit cards if any: wise, maybank2cards amex

5. Looking at CC from: pbb visa signature

6. Others: cancelled my wise due to change of tnc, finding card to replace wise card, most spending on grocery, petrol, mobile and dining. but notice pbb visa signature card qualify mobile online payment as online spending.

tq, pls advice