QUOTE(harizdesu @ Dec 9 2015, 04:08 PM)
alright, thanks for your clear explanation (pun intended)

so, the annual can be waived.. do i just call the CS to waive the fee?
how about shopping, dining, etc with clear card?..
actually clear card is just a normal credit card with the coffee bean and movie watching privilege.
welll and also some on 3x points other stuff, bla bla bla
choice card is just normal card no extra perks except those for generic citibank cards.
if they don't waive the annual fee for clear card, then just cancel lo. no harm.
PS: i am using my clear card for the 2nd year and yes, they waived my annual fee.