1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 200 monthly - Petronas
Insurance - 200
Utilities - 200
Groceries - 100
TnG - 100
Food - 300-400
Required : unlimited cashback/ discount / good redemption items using points /

4. Existing credit cards if any: Nil
5. Looking at CC from: any
6. Others: giving family 1k monthly

thx for the recommendation, its superb!

1. Annual Income: 36 k

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:

Utilities :
House repayment : RM 600
Cukai pintu : RM 200
Umobile : RM 100
water & electrical : RM 300


4. Existing credit cards if any: NONE

5. Looking at CC from: No preference

6. Others: -