1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must, or can be waived by minimum swipes

3. Card required for: Insurance RM500 monthly auto-debit, cash back / rebate (most spending are from online transactions), installment plan preferable for occasional big spending like travel

4. Existing credit cards (if any): UOB VOX - switching to UOB YOLO soon but will stop before 2nd year due to annual fee

5. Interested in CC from: Any

6. Others: Paying off balances on my UOB VOX in a few months and going to start discipline myself to pay it off every month. Prefer a good cash back CC for online spends

1. Annual Income: 60K

2. Free Lifetime Annual Fee: Preferrably got, otherwise if can waive annually by swipes

3. Card required for: Insurance, Cashback or Rebate for online/retail purchases

4. Existing credit cards (if any): UOB VOX coverting to YOLO

5. Interested in CC from: Any

6. Others: Biggest spends are on insurance (RM500/m) and online or retail purchases so will be best if I can get cashback or rebates on these.