I must say i HATE to BEG for an annual fee waiver - it's simply not me!

HSBC have been very good with this, they sent me a letter during my second year saying that I'll receive a lifetime annual fee waiving - on my current card (mind you, it's just a "normal" card - not gold/platinum - I didn't want to appear too flashy ...)

Citibank was very firm with their policy - apparently they blamed it on CX - and they said no waiving whatsoever regardless of the amount spent !! Although they offered me their normal platinum card, I declined - I was only after the HK$8 = 1 asia mile offer.

AMEX appears to be lenient with granting annual fee waiving - their HK$4 = 1 asia mile offer is the best in town at the moment. Although it only applies to the first HK$300,000 or so spent (afterwards it goes back to HK$12 = 1 mile) it's good enough. I hope this offer is a permanent one. I've only got their gold card - not too interested in their platinum or centurion - the annual fees for those are just too much for me!