1. Annual Income: 60k

2. Free Lifetime Annual Fee: yes

3. Card required for: PTPTN, hire purchase loan, bills, groceries, petrol. Good if can access to Plaza Premium Lounge KLIA2.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: Other cash back or high reward point to exchange for gift. Possible to get a few CC to cover benefit above?