hi guys, need advice.

Just got my HSBC gold credit card on January 2011 as I took it as together with house loan. But I have notice they already charged me RM 50 GST.

1. GST will be charge upon CC registration or until the year end?
2. Is there a way I could waive it without points redemption, since my card is new I will not have any good points now.
3. For the petrol rebate, which bank cc is the best and any catch?

Thanks