1. Annual Income: 80k

2. Free Lifetime Annual Fee: Must

3. Card required for: Previously only use debit card. Usually for my paypal transaction, cinema tickets, online purchases, flight tickets.
Wanted to buy something online just now and they don't accept debit card or paypal, and sold out before I could borrow someone card.
Use during oversea.

4. Existing credit cards if any: Got a Indonesia credit card but didn't use it anymore since back at Malaysia.

5. Looking at CC from: Not particular, having accounts on maybank, public bank and ambank.

Previously used my debit card during my japan vacation, all my transaction got doubled, my savings got deducted twice, have to wait 3 weeks for them to refund back.

Guess it's time I get a credit card.

This post has been edited by nles: Oct 28 2016, 11:42 PM

Which card is good for travels?

The conversion rate is the same for each bank is it?

fuh so many cards then

online spend cimb cb or uob yolo
oversea is aeon cc or ambank wmc.
later retail spending?