1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Not necessarily but al least need fee waived during first year.

3. Card required for: Overseas Transactions, Lounge Access, Reward Points (for airmiles claim or voucher claim)

4. Existing credit cards (if any): Maybank 2 Card Gold, PB Quantum (applied, pending confirmation)

5. Interested in CC from: Any bank

6. Others: I will be traveling to Europe in May for work purposes. Travel duration is around 26 days. I'm planning on using CC for most of my transactions (transportation, meals, groceries) there as I will be able to claim afterwards. So, I'm looking for a CC which gives a great points for overseas spending and basically, the best CC to take advantage of the opportunity. Thank you!