Hmm for Choice if you don't swipe they just charge you RM5. At least to swipe it can be any amount.

I also switch to Choice from Clear (RM120 annual fee!) a couple of years back. So much better.

Now I also want to cancel my Shell card. It has annual fee of RM90. At least the rebates or cash back can cover that but just based on principle because they were so rude to me when I asked whether can waive the annual fee bcos I am loyal Citibank customer. Hah like they care whether you loyal right.

Now the same (rude) woman just keep spamming me with phone calls asking me to sign up over the phone for this insurance or this plan or this loan .. bah.