I understand the annual fee will be automatically waived if cardmember's past 12 month spend is S$25,000 or more. Do bill payments via AXS machines count towards that amount? Or does it refer only to purchases at retailers?

I've tried combing through DBS' terms and conditions on its website, and can't find the answer. And several calls to their CC helpline didn't produce a confident response... in fact, in one call after hearing some sweet Philipino lady go on and on that "normally, one would use an ATM card to pay bills" - I had to actually pause and "educate" her that a DBS credit card CAN actually be used at an AXS machine!