1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A must

3. Card required for: Cashback, Petrol, Dining, Utilities

4. Existing credit cards (if any): Citibank Cashback

5. Interested in CC from: SC JustOne Platinum

6. Others: Monthly CC expenses up to RM2k. I prefer CB card because I believed it is the most straight forward reward. Previously was using Citibank CB, but until recently I find out the CB has removed Telco and utilities from the CB categories, so I am looking for some other CB card.

Thank you!