1. Annual Income: Around RM24k

2. Free Lifetime Annual Fee: Yes/No (if no below rm150)

3. Card required for:
- Petrol
- Bills
- Online or electronic purchase

4. Existing credit cards if any: None

5. Looking at CC from: Hong Leong Wise, CIMB gold

6. Others: i. I'm looking for flexi payment with 0% or low interest.
ii. Offers cashback
iii. 0% or below 3% balance transfer facility for 36/24months
iv. im getting 2 cards. 1 for the buying, and another for BT.

however i have a question. if i want to use the BT facility, do i need a card of that bank or i can just simply call and apply?