1. Annual Income: RM100K to RM120K

2. Free Lifetime Annual Fee: Preferred or easy waiver.

3. Card required for: Overseas and dining spending. Overseas Lounge access. Cash Back preferred but points/airmiles also okay.

4. Existing credit cards (if any): Maybank 2 Gold, Maybank Ikhwan Amex, Bank Rakyat Explorer, SC Journey (recently canceled as could meet 60k annual spend).

5. Interested in CC from: AmBank Enrich Platinum, HLB Visa Infinite, CIMB PETRONAS Visa Infinite, Alliance Visa Infinite.

Looking for situ's help on which is best card to go for and if any that i might have missed.