in terms of cashback, i prefer PBB VS..this card wins on the PPL access.

it is good to see banks breaching the RM50 cap. will CIMB counter with a better offer? 

i swipe most of the stuff using my VS, unless there is promo for other banks/cards... for whatever online transaction that does not grant me rebate, i use VS, especially paypal/ebay, as i still gain 5x points, same like AMEX....

and also, i pay my insurance annually, therefore use VS as well... reload touch n go, use VS as well, at jaya grocer, got 5% rebate sumore, tested and confirmed

nowadays, 5x amex points not much worth to me, so i prefer VS points > amex points unless i redeem vouchers.... VS points can convert to cashback at 400:RM1...

Maybe for the fun out of it, I will apply this card too for everyday's petrol and groceries.
In case I will cancel my Wise.

That's means after I used this card for 11 month and I cancel this card,i will not be changed anything?

Need call their cs before or after annual fees is charged?

Just applied this card via online and it says "it is approved by principle". Well, let's hope for the best that it will be officially approved.

Add on: We have reviewed your application, regrettably your application is unsuccessful.

Nope, total rm50000 a year, else prepare to pay rm550.

Why want to waste time like this? If you can't hit the target and the spending, better don't apply.

Let's see, you are saying that using this card to get rm88 a month then if cannot get AF waived will cancel the card while hoping they will waive it. So the actual cash back is rm506 which is 2.39% a month even if they refuse to waive it.
Indeed it does make sense.
How come I never think of this? All my effort wasted for engaging a heavy TNB spender and convince him he no need to waste time on post office to pay his rm3000 bill just to get the AF waived.

Well, I'll make sure I can hit that requirement for free AF before I apply. Or make sure the cash back gained are worth to offset the AF.
Suggest redo the maths before keep on saying MBB's VS are giving you 5% if you need to pay the AF.

But this VS need to pay AF if requirement not met, right?

Sure can get?

So by cancel the card, you are expected they will call and retain you, right?
Your idea really good.