Guys. Need help . I'm a first timer. I'm not sure but I thought I should move to credit credit instead of using debit cause debit have rm18 annual fee

For the below card. Does it mean I do not need to pay any annual fee, GST or RM50 service tax for life?
Not sure if there's any hidden fee suddenly.


CIMB Cash Rebate Platinum MasterCard credit card

Rebates galore! 5% cashback for online shopping, 2% cashback on groceries, petrol, mobile and utilities, and 0.2% cashback on everything else.
15% p.a. interest rate
20 days interest-free period
up to 10% cashback
5.99% p.a. balance transfer over 6 months
Easy Payment Plan (EPP)
RM0.00 annual fee

This post has been edited by denzel88: Dec 14 2016, 11:23 AM

I'm just a light user, usually just for online payments or purchases such as Lazada, Digi , Games.
Can share more on reason you say it's might be bad or good?

Fully understandable . Thanks for your time