1. Annual Income: RM48k (before deductions) ~42k after deduction

2. Free Lifetime Annual Fee: Must, don't mind minimum swipe a month.

3. Card required for: Cashback/Rebate, Dining, groceries, petrol and to build future credit records

4. Existing credit cards (if any): Citibank Rewards Platinum (supplementary holder)

5. Interested in CC from: Any

6. Others: Getting a card to build credit records and to use for monthly spending (less than RM 800 a month)


Hi all, can recommend any CC? Am looking at Citibank cashback card but wondering if there's any other suggestion.