1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: If yes, better. If not, that's okay as I can cancel if they don't waive.

3. Card required for: Going to do house renovation and buying lots of house furniture. Need to see which card has the best return (cash back or points)

4. Existing credit cards if any: HLB Wise, PBB VS and Maybankard 2

5. Looking at CC from: None yet.

6. Others: Doesn't have to be long term card.

Thanks!

Thanks!

Thanks guys, appreciate your help and suggestions here!