1. Annual Income: 75K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for: for airport lounge, travel

4. Existing credit cards if any: MBB2card Platinum and Visa Ikhwan Gold

5. Looking at CC from: anything

6. Others: Aim to collect cc. To get max benefit

Well, I used to have RHB Plat and I have terminated it about a month ago because it has no benefits though it gives 4x PPL access per calendar year. On paper, you need to spend 36k per annum to waive its AF. However, when I requested to terminate it, the lady from retention department called and offered me free AF until 2018 if I'm not wrong. Anyway, I still proceeded to cancel it because it has no benefits and gave me the highest credit limit which will increase my credit exposure.

I also have the AmBank Plat which I find it more suitable for my usage as it also gives PPL access to some overseas PPL for e.g. Changi Airport and Beijing International Airport which I always frequent. It gives unlimited access but every access comes with a condition you will need to swipe 3x in overseas 60 days before/after your PPL visit. Yes, it's a free for life card.

If you want a hassle free card, you can try Aeon Gold which gives free 6x PPL for KLIA/KLIA2 per calendar year. To waive its AF, you only need to swipe 12x a year. Easy peasy. Moreover, it has one of the lowest overseas charges. Else, you can try the latest new card-Aeon Big Gold which has the same PPL benefit as Aeon Gold but not sure of its overseas charges.

Hope the above helps.

quota still available?