. Annual Income: RM48k

2. Free Lifetime Annual Fee: Prefer free or got waiver (citibank got 3 years free. can I just cancel after the 3 years?)

3. Card required for: Tesco, Tng Ewallet, shopee, and I want buy rm2k++ computer and rm1k mobile phone.

4. Existing credit cards (if any): none

5. Interested in CC from: Citibank seems got good sign up bonus with rm288 tng. Other than that im open, since im quite new. Im quite good in managing expenses I guess

6. Others: im married and with one small kid. Most of my monthly go to rent and utilities + online shopping in shopee and tesco.