Looking apply Visa Platinum or Visa Infinite. Compare both most different are missing lounge but every year must use at RM12000 meet annual fee waived. Any suggestions?

not sure about Alliance, but i just want to share my experience with MAYBANK.
I got a fraud non OTP transaction going through on Agoda, i call CS immediately to dispute, CS say nothing can do which is wtf as heck.
Say Agoda once u saved the card, it goes through, however, i do not save any card at all.

RM0 AllianceBank:Card ending xxxx charged for USD 0.62 at NETEFX on 080125@23:49. Call bank if not authorised.

Sigh. Small amount of fraud attempt but this gives me headache as I use this card a lot on daily basis, gonna be inconvenient. Just called bank and they already proceeded to block my card. Not sure how this attempt was made as I always use this card on the usual merchants.

Oh wait, I used it for Maxim e-hailing just now and it was my first ride with them. Not sure if that’s the cause.