Maybank credit card expiry date didn’t follow card issue date.. they based on 1st Maybank card expiry month. Eg. if my existing maybank2card expiry is January 2020, and I apply Maybank FCB card today, once Card issue, the card expiry date will be January 2023, so I need to pay RM25 in Sep (I.e. upon issuance), then, in Jan 2019, I need to pay sst again? Is this what SST charging method?