Hello sifus.

1. Annual Income: RM72k

2. Free Lifetime Annual Fee: Preferably but don't mind if conditions for fee waiver not strict

3. Card required for: Petrol, groceries, cash back, utilities, air miles + travel insurance, dining (usually just weekends), online transactions (seldom)

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank preferred. Welcome suggestions from other banks

6. Others: Like mentioned above, not a cc owner. Only have maybank savings account. Supp card holder will be x1 (wife). Prompted to get cc due to overseas travel in future (2-3x a year). And as most can probably tell, very noob about all this.

Appreciate the input and time, many thanks in advance.