Hi, appreciate your recommendation as per below:

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: Overseas Transactions.

4. Existing credit cards (if any): Citi Rewards Visa, Citi Premiermiles Visa, Amex Platinum, Maybank Visa Platinum

5. Interested in CC from: Maybank 2 Cards Premier

6. Others: Basically just want best benefits because will be used mostly for overseas spending. Can be any (points, miles, cashback).