1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Preferably waivable

3. Card required for: Petrol, insurance, Education, Groceries

4. Existing credit cards (if any): MBB ikhwan, CIMB CR

5. Interested in CC from: No preference.

6. Others: I'm looking for cards that can provide good cash back rebate or points for insurance, petrol and groceries. And if possible education fee too. tried applying for additional MBB2cards but got rejected.

1. Annual Income: RM80K-RM100K

2. Free Lifetime Annual Fee: Waivable

3. Card required for: Insurance Premium, Daily Usage (Petrol, Groceries, Dining, Movie), Online Shopping, Overseas Usage

4. Existing credit cards (if any): OCBC GE, PBB2 Quantum, SCB (CB Gold and JustOne Plat), HSBC Amanah, Aeon (Gold and Big Gold), CIMB CR, AmBank Visa Plat, Maybank Ikhwan Plat Mastercard,

5. Interested in CC from: No particular preference

6. Others: I am looking for ways to consolidate my credit card while maximizing the cards benefits (either CB or points). My card lists have gotten a little out of hand and i find it difficult to manage so many cards. But i'm facing dilemma on which to cancel and which to keep in order to maximize the benefits...