For POINT NO 5, call and sms are charged at 20cent/min or 20 cent/sms to ALL NETWORK AFTER you have fully used the free 50 minutes or 50 sms.

I am not entirely sure what the charging block are for first blue 45 call rates, I think it is every 1 minute.

Celcom sometimes not very TRANSPARENT in their calls charging block.
For example, Xpax Magic Sim ads says that call rate are
- 10sen per minute (other network)
- 5sen per minute (same network)

But the reality is the charging block is 30 sen for first 3 minutes for calls to other network and 30 sen for first 12 minutes to the same network. So frankly speaking you lose your credit more if you just make short call ie below 3 or 12 minutes.

So just be careful. If youre only using their free allocated minutes then you are fine.