1. Annual Income: RM72,000.

2. Free Lifetime Annual Fee: Preferably free

3. Card required for: Apple Products (0% interest with maximum instalment period - 36months), Petrol (RM150/month), Insurance (RM200/month), Elec utility (monthly), often use to top TnG (toll/train), retail and online shopping, dining.

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

5. Interested in CC from: Thought of applying for Citibank card to maximize Apple products 36months installment plans, and another one bank for daily usage to maximize discounts on F&B, retail shopping and online shopping as well as emergency.

6. Others: I'm interested to know what is the range of my credit limit given my annual salary.


Thank you!