1. Annual Income: 31K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Shopping, EPP, Emergency

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any bank, no personal preference

6. Others: Looking for my first card. I only worked for 3 months now, and only have income hike for the third month. I would like to know about the required documents as well.