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So we strongly recommend not to apply for this card.
If you only keep this card for one year, you will get 75k TYP (worth about 5) and two airline fee credits (0*2), the cost is the first year annual fee 0. If you want to keep this card longer term, then your first-year benefit is 5 and the equivalent annual fee is only 0-0=0 thereafter.
Yet haggling isn’t just for overseas bazaars – it has, albeit hush-hush, become a part of British culture.
Whether in banks, high street stores, bureau de change, or even with insurers, don’t believe the price set is always the price you must pay.