Hi,

First, For all UOB credit card, first 2 years AF are WAIVED automatically except for Visa Infinite which is first year. Second, If your previous payment are nice and on time, basically are waived for the rest of following years.

Then, read this part. IF any bank still charging you on annual fees, who else bother to apply for credit card? Bank wants customer, if anything happen, just call customer service, they will really trying to hold you and value you as a classy customer to our bank. Basically, also can waive one. Plus, bank wont simply let go of a customer because of the annual fees. Bank earn from alot prospect.

Thanks.