Should be similar to "Annual Fee Charges" I think

I checked the website and you are right it is not annual fee. You could call them up directly and check (highly recommended) coz that is a lot of money for the Yearly Facility Charges even for a classic card. (RM 2.4k)

Again ... there are other cc products which are much more transparent on their charges.

Most cc agents (or even banks staff sometimes) they get something when they do sign a customer up for the credit card product. Agents especially will be very aggresive to promote to you coz they got quota to meet and it is also their commission. It can be very compelling for them to do so as they can obtain up to RM20 per classic card, up to RM50 per gold card and up to RM100 per platinum card.

It sounds like the guy ask you to just sign up for 2 cards whereas there is no apparent/compelling reason to obtain 2 cards. Read the hidden trick - the person can claim he/she sign you up for 2 cards and get 2 quota/rewards/etc (whatever you wanna call it).

I will not sign up for 2 cards these days whatever the agents tells me coz I would rather carry 1 card each from 2 different banks. Plus, you can get best of best by combining the features of different cards.

Eg. Best cash rebate card is Alliance Bank cc but you see Alliance Bank does not offer any petrol rewards cards. If you want best petrol reward credit card then it is either MBB Petronas or CIMB Petronas. Similarly, you don't see MBB offering cash rebates in any of their product stable don't they ? (This is just a simple example)

I'm talking from my experience when I did BT with Citibank about 5-6 years ago. Did they ever revise it ? NO ! It doesn't benefit the consumer but it sure does benefit the bank !

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Added on April 15, 2009, 12:19 pm

Thanks.   
The best petrol rebate information is in the debit card thread. (At least this info valid till 30th June 2009)