I have been using Maybank 2 cards for quite long. Recently they send me new card since the old cards expiring. However, I seldom use (or never use) the Mastercard, just using the AMEX card. For those can't use AMEX, I use other bank CC instead. For Affin 2 duo 2 card, I opt to not activate the Affin Duo Rewards card and so far I was not charged with the annual SST of RM25. Therefore I plan to do the same for Maybank. Anyone tried it before?