1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: Waived with condition OR Return worth to cover back.

3. Card required for:
Petrol-800,
TM-600,
TNB-250,
TIME-150,
UMobile-150
Insurance-300

4. Existing credit cards (if any): HLB Wise.

5. Interested in CC from: Any

6. Others: Priority for CB, will consider reward points if return more worth than CB. Hope to get higher CB/month. Currently only 100/mth.

Thanks for recommendation

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Preferably but not necessary/waived with condition

3. Card required for: Mainly for Iphone

4. Existing credit cards (if any): HLB Wise, PB Quantum

5. Interested in CC from: Any

6. Others: Plan to buy Iphone X and searching for the best CC that could reward more， either EPP/BT/CB