1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A must or there is a mechanism to waive the fee.

3. Card required for: Petrol, Groceries, Retail, Dining, Online transactions.

4. Existing credit cards if any: OCBC Titanium.

5. Looking at CC from: None.

6. Others: Looking for an alternative to my current Titanium. Will be my primary card if the benefits are good. Don't travel much so don't really care about World cards.