swipe once a month then no more issue already

I monitor every cards closely n I know when is the AF going to charge. I hold different cards for different usage.
You can always call CS to check your card anniversary date. Just make a little more effort to record it down. N again, most bank will reverse the charges if you cancel the card even u use the card after AF charged. But for guarantee purpose, I will not use the card if AF charged. CS confirmation on coming AF charge fee is an argument point for them to reverse the AF if you cancel the card. That's y it is important to jot down the CS name, date n time of your call.

Yes, u r right. If they didn't waive, I will cancel the card. N if I need the card or got any good sign up bonus, I will reapply 6 months later. FYI, I never pay any GST or AF for all my cards. Bcoz I will cancel b4 they charged.
RHB plat, UOB one, HSBC Amanah -- they waived for me - GST / AF (what I encountered during RM50 GST time is, the bank will auto waive AF, but GST I need to call b4 they charge.)
HLB WISE -I cancel b4 charge, no waiver given
M2C- I just got it last year with GST, but their sign up bonus of RM100 cashback can use to offset RM50 GST n AF is free for life
CIMB CB- Free for life
PBB VS - just applied recently, AF waived with 12x swipe
SCB, OCBC TI, CITI CB - all 3 banks waived for me but I insisted to cancel as I hardly use them with their stingy benefits. SCB used to retain customers with free credit to use for few years n I cancel when they just offer to waive GST last year without offering free credit..

But by doing like that, in the 6 months period, you won't have a card to use to get CB for that category.
I think i covered all my cards n didn't miss out any cards I used b4..

lol
look like i am the one who started this tm thing

i paid thru tm portal for streamyx since last year and i got rebate for it, last checking is 2 months back. still have. not sure bout unifi

hopefully that they dont take this benefits away lo