When I first signed up for an investment loan package back in 2009 a rep agreed to sign me up for Altitude Platinum fee free "for life". I wish I took a recording of that call, because every subsequent year I've had to argue to have it waived. The rep might have made a mistake.
Last year they started cracking down and I was given a waiver "one last time" as a courtesy (they took a note of it on my file). This year, they flat out refused the refund, so I had to close the card...
... and they waived it for me for another 12 months :-D
We'll see whether I'll get lucky again next year, but I think I've already dodged the bullet too many times in this game of Russian Roulette. Oddly though, the rep told me that I couldn't even downgrade to the Gold card any more, as it wasn't part of my loan package. But then I went and looked it up online and there, clear as day, Altitude Gold fee free for Premier Advantage. Otherwise, I'd have had 90 days to redeem my points before the account is closed.