Is it applicable for principal & supplementary spending combined or separate for each card? Meaning, swipe 12x or spend 8k a year for both principal and supplementary cards to waive both cards' annual fee or need to do it separately to get waiver for both cards meaning swipe 12x or spend 8k for each card (24x or 16k in total) to waive the annual fees for both cards? How about the Essential card? Is it the same for that card?