1. Annual Income: RM48K

2. Free Lifetime Annual Fee: waivable

3. Card required for: Petrol, Dining, Electronics, Car Service & Insurance etc.

4. Existing credit cards (if any): None, used to be supplementary card holder with Citi

5. Interested in CC from: No particular preference, preferably easy to apply.

6. Others: Rejected from Maybank FC Barca & 2 gold (salary goes to maybank), Citi & HSBC. No other loans etc other than ASB loan (5 months with Ambank & CIMB). Looking to apply to built credit score as I'm looking to purchase a house. Perhaps earn some cash back or reward points.