u/MinimumPriority-99

Hi, KKBs.

Question lang. Mej ??? question huhu.

Sabi sa T&Cs ng promo, no AF sa 1st year tas sa 2nd year pa may AMF Waiver.

Tanong ko lang kung kelan magstart sila?

Let's say ang Card Anniv ay April 15 (card activation).

So from April 15, 2026 to April 14, 2027 - 1st year to no?

Pag ba hindi ko nameet ang yearly spend before April 14, 2027, may AF na by April 15, 2027?

O yung April 15, 2027 to April 14, 2028 yung magiging basis para sa 2nd year AMF waiver. Gets ba? huhu

Sorry, inooverthink ko lang talaga sya.