pay every month clean clean....

din use la...monthly use rm100-200 only

on the topic of enrich miles, i was told the redemption does not include fuel surcharge and airport tax. so the value of the miles accrued are lesser than cash vouchers etc.

yes, based on my calculation. AMEX way is still the best card for flying miles because of the 2x and very frequently 5x and 10x offers. if only more merchant accepts AMEX.

Based on VISA International rate.

Yes. 0.5% admin charge.

But someone recently complained that even without the admin charge for foreign transaction, the total amount after conversion is higher than Maybank and even Standard Chartered 

Yes. Was posted here a couple of months ago. Not sure why though. Could be because they did not advertise any of the miscellaneous fees that they actually charge.

Dear Sir

Thank you for your email enquiring on the charges for foreign currency transactions and cross border fee.

Please be informed that Foreign currency transaction are first converted to US Dollar through Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into card member’s Visa/MasterCard Payment Card account. The rate of exchange on the date of such posting may therefore differ from the rate of exchange on the date of the transaction. Further, the Bank will also impose a fee of 1% being administration charges for such transactions.

We trust the above matter is clarified.

Should you require further assistance, please email us at info@alliancebg.com.my or call our Contact Centre at 03-5516 9988.
Alliance Bank Contact Centre
Tel :03-5516 9988
Fax:03-5621 5624

That's true. Alliance Bank used to have 0% admin fee on overseas transactions but had since imposed admin fee a few months ago.

I personally made some comparisons on the same transactions (same thing bought, same time and same merchant) among a few cards. Last year Alliance's rate was still the lowest compared to CIMB, HSBC and SCB. However, about 4 months ago, I was surprised that Alliance's rate was even higher than Amex!

Alliance is a bit cunning and unethical. They have yet to indicate admin fee on overseas transactions in their card T&Cs even though it has been imposed long ago. Further, their CS officers have not been informed about the admin fee and they still explain to customers that they do not impose admin fee.