At 1st they also offer me 50% I tell them my spend using the card is  consistent so she help me appear 1 days settle......
While u cancel sure they will offer you if your spend is ok,

So much hassle just to get the annual fee waiver. I canceled it despite them giving me waiver as I don’t want to deal with this hassle every year.

Anyone can shed light on transactions that are REVERTED but refunded amount excludes cross-border fee? Is it in the price list that the fee is non-refundable or Standard Chartered IT is lousy?

I paid for booking using Agoda/Booking.com, and the booking couldn't be processed so it was reverted/refunded immediately. To my surprise this 5 seconds transaction reversal game cost me RM5 in fees. I contacted SC and ask for refund; they denied the refund and asked me to talk to VISA. Like wtf has visa with this (how can they see private activity etc). I filled complain and was refunded.

There was no DCC involved. I was charged in MYR.