Hi

1. Annual Income: RM36K to RM50K.

2. Free Lifetime Annual Fee: Yes (preferably).

3. Card required for: (in terms of priority) 1. Petrol, Cash Back/Rebate, Groceries; 2. Online Shopping/Utilities/Mobile/Dining; 3.Others/Entertainment/Departmental Stores.

4. Existing credit cards (if any): CIMB Cash Rebate Platinum MasterCard; Maybankard 2 Gold Cards.

5. Interested in CC from: All banks

6. Others: N/A

I'm looking at the Maybank Islamic MasterCard Ikhwan Gold Card atm. Is there any other card that I should be aware of? Appreciate the responses.

Also I'm not sure if this is the appropriate place to ask, will the credit card application be subjected to my DSR/CCRIS records? I have been paying my credit cards bills and all other relevant loans in full, but I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I just wish to get another card to fit my requirements so that I can maximise my savings.

Thanks!

Thanks!

One more question, how about the 5% cashback offered to groceries purchases and petrol under the Maybank Ikhwan cc? Are they covered by the Maybank 2 cards and PBB Quantum 2 cards? Or do I use the Maybank 2 Amex card for those transactions instead? Cause my worry is the cashback available to the Amex card 'might' only be temporary, just like how it was only reintroduced back a couple of months ago after being removed and only limited to dining on weekends earlier. I'm thinking too much?

Wow. Thanks very much for the suggestion and template! Also appreciate the summary. =)