1. Annual Income: <RM110000

2. Free Lifetime Annual Fee: Yes, preferrable. Unless can call to ask for waiver or can be waived if certain amount of transaction made

3. Card required for: Insurance payment (autodebit), online transactions, groceries, ewallet, dining, petrol

4. Existing credit cards (if any): Maybank Ikhwan Amex, Affin Duo+ Visa (master not activated)

5. Interested in CC from: Bank Islam Visa Platinum-i

6. Others: Planning to hold max 2 cards. Currently the Maybank Ikhwan Amex not supported on some online platforms, insurance

Please recommend which better card I can replace with to best fulfil my needs. Thank you.