Following my PSA on the annual fee, I checked another of my SCB card.
I recommended the SMART Card back in 2022, with the top key feature that they promoted being:
Perpetually no annual fee!
Never did I imagine that will change.
But it seems like any terms & conditions can be amended. With effect from 6 Dec 2025, existing members will have to pay up $91!
So once again, you can cancel before they charge, since SCB new policy is that they will never waive annual fee.