1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: Preferred, but willing to negotiate for waiver every year

3. Card required for: Use is primarily for dining, shopping, petrol, online purchases. Looking for a CC with good lounge benefits worldwide and would like the option of converting airmiles too (prefer Emirates / AirAsia if possible, don't really use MAS). Also looking for highest tier Visa credit card (Infinite, etc) unless there is a big disadvantage of going down this route.

4. Existing credit cards (if any): Maybank 2 Platinum Cards

5. Interested in CC from: Prefer Maybank as all my accounts are with Maybank but willing to try other banks if there is a big difference in perks

6. Others: Please be specific. Example: Interest rate not important as I always pay my credit card bills in full monthly. Looking for cashback, lounge and air miles benefits (a card covering most of these would be nice). Hotel benefits not necessary as I rarely stay in branded hotels during my travels (prefer AirBnBs).