Received a letter of statement from OCBC last evening stating that they will charge $180 for annual fee for my credit card. Call them up this morning and ask them if they could waive off the fee but apparently, they can't after checking my spending history.

As I don't really use their cards at all (except once in a blue moon for their ikea card), I decided to terminate both credit cards with them as I do not want the annual fee to be deducted via Giro.

Anyway, OCBC do not really have that many attractive perks as compared to UOB or Citibank. Maybe that explains why I have been using the cards from the latter two banks constantly since day one.