hmmm.... they offered the card to me before but i declined - prefer the cashback. my CC limit is @ 50k though and they dont have income information from me since i got the plat card when i met their priority banking requirements FOC like 8 yrs ago. nobody asked me to pledge or provide anything, they offered a simple replacement. where is your branch? maybe you talk to personal banker?

maybe the hotline doesnt know. i found their hotline for "special" requests not that helpfull. i talk to my branch instead. even the "out of their SOP" requests can be done if you dont ask for something totally impossible. afterall a small bank has to care for their clients

out of curiosity: you want the card for the priority pass is it? other than that i dont see much value since the points are not worth much now with the devaluation and the MAS devaluation. if you are priority customers you can get the infinite free for life without any spending conditions as far as i know. worth asking for that too.

yes not too bad but you can fare better these days with maybank. sadly nothing else to redeem from them also. used to use the points to fly to frankfurt in bus-class. no no more, not sure what to do with my bonus points...

anyway for the priority pass its a good deal if they waive the annual fee. otherwise the spending requirement is just 30k but personally i rather get the points and cash back elsewhere than spend 30k just so i have priority pass - i dont have enough chances to utilise it.

you have a fee waiver with an annual spend of 30k. i.e. you need to spend 30k every year not just once and get the card for free. thats a difference and relevant because the 2x bonuspts are not worth much to me. i rather spend the money with my MBB for 5x treats pts and better MAS miles conversion rate (4500 vs. 6000).

see here for the product disclosure: http://www.alliancebank.com.my/VisaInfinite

"Lifetime Annual Fee Waiver
Enjoy annual fee waiver on your principal Alliance Bank Visa Infinite Credit Card with a minimum spend of RM30,000 per annum."

its a bit clearer in the T&C:

"Annual fee waiver conditions:
• Infinite: Waived upon minimum spend of RM30,000 in a year."

for PB customers that qualify for the infinite card you get it free for life without (!) an annual spending condition. the card's conditions are however not tied to having PB status for the whole time. they will remove PB from you after some years (they did for me after 5 yrs) but you can keep their special credit card. i have done this before with them and my wife still has the card after many yrs of not beeing PB customer anymore. they never cancelled nor imposed any further conditions to the cc.

i believe i read genx mentioning that he also has the infite from alliance bank without spending conditions. not sure if gen-x is still PB member though. you would have to ask him.

Cash back platinum card got priority pass?

i am using alliance bank platinum cc. Spend RM 5000 and get RM 68 cash back each month (1.3% cash back). But another card Younique card spend RM 3000 and get 1.66% rebate. I use platinum card as it offer PPL assess unlimited previously. But the privileged has been cancelled early this year. It seems like Younique card is better? Any expert can give your expert opinion?

yes will cancel mine too. any good cashback replacement? was thinking of one for petrol (avg 400 RM per mth) and one for general. usually we spend 5-7k on the cards per month. since maybank offers many installmentplans (0%) was thinking of adding a maybank in the mix. what will you guys switch to?

what do you think of this combination:

AEON Watami for cashback
+
Maybank Premier for pts if over the limit, 0% IPP plans, insurance, goverment transactions etc. and other Maybank goodies
+
OCBC Titanium MasterCard for Petrol

does this make sense? its a bit troublesome as i prefer less cards but might work. i would need supp cards for each of those (OCBC might be ok with just one to pump petrol though).

any buyer beware? how to pay AEON watami card? maybank alliancebank or jompay can be used?

I like ur attitude which hope abmb free upgrade u to infinite.

Thank you for your replies.  Never mention anything in their T&C, I would say if I manage my auto debit monthly insurance payment into the card, I would still entitled for 0.5% CB for my monthly insurance and if that month total usage was over 1K I'll be getting 1.5% CB for my insurance right?