The credit card annual fee will appear in the bill for the month after the month printed on the card. Once it appears, you have to go to the UOB App to apply for waiver. After submitting the waiver, I got an automatic response that it was waived.
The fact that it was immediately waived suggests that there is some sort of preset criteria, and the simplest criteria would be annual spend. From an IT perspective, its not cost effective (within the context of a super secure banking system) to do some sort of multi-factorial algorithm that pulls data from all sorts of places to decide whether to waive or not.
As a data point, I think my spending on this card is about $1k a month, so good to know that is sufficient to get a waiver.
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