I understand your concern. I am also using commercial bank credit card. and I personally think that its the best among all others. The yearly fee depends on your usage if your usage is more they will not charge you the fee, for me I have never been charged the yearly fee. And regarding the hidden fees and interest there is nothing like that. only a small amount might be charged every month like 5-8 QAR, thats knows as CREDIT SHEILD CHARGE. Rest everything is alright. And if you are going to bank to meet them don't talk about cancellation. just tell them you want to settle down the hoel amount. If you ask my opinion no need to go to bank. you can clear it yourself as I told you the procedure. Best of Luck.