here you go

Sis what CC you gonna use for airmiles now? UOB also nerf, HLB nerf, now this also

Am gonna cancel the VI and just retain the VCC

Thanks. Missed this information, was too focused on the benefit revision

noted on this info brother, if really can't waive, might as well just cancel the card

yup.this what i see. not dare to summit my application now.
VI =4xx per annual

Forget about the AF, even with no AF there is no reason to apply for this card when there isn't any worthwhile benefit now

I have no idea yet. Need to re-study the cards again.

actually for Alliance Visa Infinite, the 10x TBP under overseas transactions.....those purchase like flight tickets, agoda/trip.com qualify as overseas transactions?

I have already asked for a few transactions that I have done through my debit and credit card.

Agoda paying in foreign currency - yes
Klook paying in foreign currency - yes
Trip.com paying in foreign currency - yes
MAS paying in Sing dollar - yes
Booking.com paying in foreign currency - No

Thanks!
Let say paying in usd 100, we got 1000 pts? Or pts calculated after converted to myr ?

Bro... Like that go Indonesia get billions of points liao la

This post has been edited by gooroojee: Jul 16 2025, 08:01 AM

In MYR, says 1 USD = 4 MYR, means you will earn 4000 pts.
Whether it counted as foreign currency is base on how the platform charge you. Agoda is directly charge from what you have selected. Booking.com is collect on behalf which means they will done all internal exchange rate, and charge you in MYR but website display foreign currency

😂😂😂😂 indon must be crowded with tourists

What’s the reason to not perform any transaction after AF charged? So we can say we don’t use the card and want to cancel?

Yes. If you still using then you can't reject the annual fee even if you cancel the card.

if you did not use it after AF charged, you can cancel the card without paying for the AF if they refused to waive.
if you use after AF charged, you need to pay for AF if they refused to waive

annual fee is like a subscription fee (to use the bank's credit facility)

and annual fee is charging-forward cycle (like a prepay model: charge first, valid for subsequent 1 year)


if you continue spending after AF is charged, you are deemed accepting to continue using their service, hence AF is applicable

if you stopped spending, you can argue/dispute that you are not interested to use the card/service, so AF should not be charged to you (as you are not continuing anymore).

this is manual/adhoc request because AF is set to annual recurring and auto-charge.

Thanks bro for the reply!

For Agoda/trip.com, the display price is MYR, so when we book, is it considered foreign currency? Or we just change the online platform display price to non-MYR so to make it a foreign currency transaction?

Yea, just change the display currency to non-MYR will do. And make sure the OTP message receive in non-MYR

damn i learned something new. But is it worth to do it with the currency lost and 1% bank fee?

Personally i try to minimize oversea CC usage because i always think that currency spread & fees is higher.

Lets take SGD for sample calculation
Visa rate with 1% bank fees
1 SGD = 3.361925 MYR (https://www.visa.com.my/support/consumer/travel-support/exchange-rate-calculator.html)
1 SGD = 3.302 MYR (Midvalley rate)

1k SGD spend = rm60 different in currency exchange.
rm3362 * 10TBP = 33620 points = 2k Enrich Miles

Probably still got some advantage but not much? correct me if im wrong since this is my first time doing this