Hi,

I would like to apply a credit card for my personal usage (First time). So, i need advice from you guys as which bank to apply for.

Follow are the criterias that i'm looking for.
1. No processing and anual fees (Free for life)
2. Able to make monthly payment online (via website)
3. Best if could have benefit in term of (Buy Airline ticket [AA/MAS], Petrol, MPH, Food outlets]
4. Even better if got free gift.

Thanks!