1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: If possible.yes

3. Card required for: Priority for payment for TimeDotCom, Umobile, TNB, Indah Water, PTPTN, buying Household items like Washing Machine, Air-conditioning etc.

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

5. Interested in CC from: Any

6. Others: Planning to buy few Household items using installment and hopefully can collect rewards points or cash back. I do not spend much monthly and not much commitment aside of the list above. Tried applying may bank online but got rejected because there was an overlay of application. Not sure I need wait how long more to try apply again.