That wasn’t my experience. I got the full $225 fee refunded for this year. I didn’t take the lounge passes or flights this year (although I did last year), but I definitely got to keep all the points earned this year (and have since transferred them all out to Krisflyer in anticipation of imminently closing the ANZ card account).Just got the AFFF email about this change of losing the flights. I managed to ring up and rather than $130 they're saying the $170 fee for the flights if i forfeit could be refunded? So not sure the discrepancy. Unlike the AFFF email mail out that quoted someone getting their entire annua lfee waived, I was told the $55reward fee was not refundable unless i gaveback the points earned?