Hi all, looking to apply my first CC soon, would like to get some ideas here, hope you all can help.

1. Annual Income: RM32k- 35K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, groceries, makan makan/ entertainment

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Prefer MBB or Public Bank

6. Others: Would prefer cash back CC more than those treat points