for point b, i understand.
as for point a, seem like the new card they introducing then have such typical clause.
so until its longer in the market, hard to gauge.
I've seen similar clauses in many cards from many banks, that you will need to pay the annual fee unless you hit $X spending the previous year. These are also the ones who will give waiver if you don't hit that spending (eg, Maybank Horizon needs $12k, which I have not hit, but which they gave me a waiver anyway). What's new about this one?