1. Annual Income: About RM180-240k

2. Free Lifetime Annual Fee: Preferably waiveable

3. Card required for: Travel benefit (redeem flight ticket, premium lounge access & others)

4. Existing credit cards (if any): Standard Chartered Simple Cash

5. Interested in CC from: none

6. Key monthly spendings: Average about 8-10k monthly on dining, shopping (physical & online)