no, it is due to there are some peoples sign up their card just for the gift then stop using after getting it.

such as me la

2nd year AF waiver is very subjective. i emailed them to ask, they said no waiver. few weeks later i call and ask, the cs told me still can waive for another year.

btw, i spent less than 1k is the first year on my clear card. got their luggage as sign up gift (need to spend 500 within 60 days)

i think you can but you need to pay RM50 GST per year for the new card. you may cancel your Clear Card before your anniversary date to avoid GST being charged for both cards

i applied from their website a year ago, the process is very fast provided you furnished all required documents at once

i had successfully requested for 2nd year annual fee waiver for Clear Card even with my first year spending is less than RM1k