1. Annual Income: RM36K to RM60K.

2. Free Lifetime Annual Fee: Depends.

3. Card required for: Utility bills less than RM1000 a month.

4. Existing credit cards (if any): UOB Preferred Platinum, UOB One, MB2Card

5. Interested in CC from:

6. Others: Finding best cash rebates/reward points for paying utility bills. Excluding HLB Wise, SCB Justone & CIMB Cash Rebate Card as there's a minimum spend and monthly cap that limits the cashback %.