From what I understand

Swap: Phone is still in your possession, and you feel like wanting to change to another phone for whatever reasons

Swap and replace: Phone no longer in your possession, and you want to get a replacement

In this case, you are swapping, that's why you are charged rm550 since it's iphone 6 and above

From your hashtag, maxis also will impose some fee if you need replacement for your phone, and you also will get a refurbished phone

Do exercise your right as customer to ask everything about this thing until you are clear

And read the contract clause, they are there for a reason

Be a smart consumer

For celcom





For maxis



Basically both have to pay

Maxis has % rate to pay, but celcom is fixed price

From what I see, if you swap your iphone in first 6 month, maxis is more worth it if your iphone cost less than rm3667, more than that celcom is better

But if you lost it after a year, you pay less for replacement if you take celcom since maxis doesn't care how many month you are paying the insurance, the amount you need to pay is 50% of your device rrp