Standard Chartered Unlimited Cashback Card or HSBC Advance Card for insurance premium, hp bills etc? Why so and is it easy to waive annual fees?

My understanding is most credit cards do not offer rebate for insurance payment. I personally do hold both the cards and so far I dont have any issue having the annual fee waived. Should you encounter any issue having it waived, you can always hang up and call back again. If all

else fails, you can always call to cancel the card to avoid paying the fee.