1. Annual Income: RM30K to RM60K

2. Free Lifetime Annual Fee: A Must (but okay if easily waived and not expensive)

3. Card required for:
- Cashback on Petrol (daily commute of 100km, might reduce after job relocation)
- Cashback on Online Shopping (Shopee, Lazada, etc.)
- Cashback on Groceries
- Direct cashback preferred over reward points (but open to points if benefits are clearly better)

4. Existing credit cards (if any):
- RHB Islamic Rewards (Not activated)
- RHB Islamic Cash Back (Not activated)
- HLB Sutera Visa Platinum (Not activated, annual fee charged but waivable upon activation)
- HLB WISE Visa Gold (Not activated, annual fee charged but waivable upon activation)
(Note: All were applied at a booth set up in my company – applied out of curiosity, haven’t activated any)

5. Interested in CC from: Any bank (currently eyeing CIMB Cash Rebate Platinum)

6. Others:
- First time credit card user
- I regularly spend on Shopee, possibly RM500/month or more, but I don’t track it closely so it may vary
- Prefer cards without overly strict maintenance requirements (e.g. high min spend or too many swipes)
- Want to avoid paying annual fees unless the card gives strong value
- Optional: EPP (Easy Payment Plan) – might use later
- Main goal: Build credit score as I'm just starting to use credit cards
- Ideally looking for 1 beginner-friendly card that covers petrol + online shopping
- Open to learning basic stacking strategy if worth it