1. Annual Income: RM100k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback, Free Airport Lounge Access, Utilities, Petrol, Groceries, Life/Medical Insurance bills.

4. Existing credit cards if any: CIMB Cash Rebate Platinum Mastercard, HSBC Amanah M-power Platinum Visa (to be cancel), Maybank 2 Card Platinum

5. Looking at CC from: Ambank, SC or HLB?

6. Others: To reduce number of cards, while getting the highest cash back efficiency.

Thank you.