1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Utilities bills. And improve CTOS score (trying to get a good impression on the bank for future loans)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Citibank / Maybank

6. Others: Please be specific. I will be using the CC for above payments only. And maybe 0% installment plans. I have a good payment with my car CCM, but since i just started to pay my PTPTN loans 3 months ago. My CTOS score is not so good (still waiting for it to improve). I am not sure if i am blacklisted or not though for now

Hi,

thanks for the advise.

Any specific card plan i should look out for UOB and CIMB?

Hi,

Thanks for the recommendations