New duo card user here

The reward card we don't activate no sst charge.

Thus we should only activate and start using the reward card in the third year and swipe 12 times for the annual fee waiver for fourth year.    Correct?

Got the regular Affin Duo cards by post today after applying for them at a nearest branch. Took less than 14 working days, so yay?

Didn't know I had to go back to branch to activate online banking, so... yeesh.

this installment still no charge to the bill?

1st, earlier card users didnt know about this "benefit". like myself, we activated both cards. hence, we feel the "pain" every year 

2nd, later card users didnt activate the extra cards. fortunately, bank doesnt impose sst when card not activated for 3 years..

3rd, some users reported they got charged sst (for their unactivated card) after 3 years honeymoon period. this, need more ppl to report after 3yrs.
there's no guarantee no SST perpetually as long as card unactivated. bank may be forced to impose it since card already issued to you for 3 years