1. Annual Income: 23,000 SGD

2. Free Lifetime Annual Fee: Must

3. Card required for: oversea transaction and easy installment plan

4. Existing credit cards if any: Citibank Clear Card

5. Looking at CC from: open for suggestion

6. Others: As i working in SG, oversea transaction will be more even i seldom use cc to paid (foreign exchange rate..... only use to buy games, transportation and some dining


thanks in advance