I too called to get waiver I got two cards platinum n visa cashback
At first cs played the delaying tactic saying I must take their loan or wat
After I was adamant I did not want any of those services and asked to cancel he finally relented and said since I meet the 3 swipes per month or something I qualify for waiver

So I guess since there are many cards out there with similar benefits to citi's
Don't be afraid to threaten to cancel and actually do it.
Nothing much to lose except maybe points