Contacted CS just now requested to waive the annual fee. Reclined by the CS and I directly request to cancel the card but was told by the CS there was outstanding balance and I cannot pay the outstanding balance via M2U once they cancel the card. I need go to MBB branch or pay via ATM machine which a bit hassle to me. I told her ok and I'll call again to cancel the card after I've clear all the outstanding balance. Did a quick login to M2U and pay the outstanding amount. Called CS again and different person served me this time and she asked me the reason I request to cancel the card. Gave the reason waive was not approved just now and I not going to use if I need to pay for the annual fee. She put me on hold and came back agree to waive for me one more year

definately less than you as I use this card mainly for petrol.