Regarding the CT AF, i have been using CT CB Platinum for 5 years and yes they will charge me the AF every year BUT I can get it waived by calling the CS and requested for it to be waived. I believe there are some T&C on it which how much you use the card might be a factor but never failed to get it waived, yet.

However I am testing my Maybank2Card Amex (Visa still on my CT CB) and see how much CB i can earned compared with CT CB. (damn they just de-valuate the Treats Point as of Aug 2015). Previously its 12,500TP for RM50 CB. now its 20,000TP for same RM50. A 60% de-valuation!