among all the major bank, i yet to have any credit card from hlb, amb, affin n alliance.

i rarely see any sign up booth for the last 2 unless online or walk in, n i don't see how the first 2 benefit is that attractive. in fact i use hlb as my main bank, but ironically i find all their cards are pretty useless and too much condition n requirement.

wrt the new card campaign for existing holder, why the options is without wise? emirates is available but i am not that interested bec i travel mostly asia at the moment. btw is first year annual fee waive for all this hlb cards?