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that's fine, i will chase it up with ANZ, thanks for your help... i remember reading, about the free annual fee part, as well 1 point for every $4 on the visa and then an on-going fee of $49/year for primary account holiding. thats what i am more interested in, since i use amex most of the...

i have received the same email too... and have now received my first statement after making an eligible purchase... no extra FF point has been allocated to me, as well that no waiver for the annual fee... the worst mistake that i have done was deleting the email and trusting the bank with...