My VI annual fee will charge on 27 July & i believe it will be waive cause I already spent more than rm12k, also the revision only effective on 1st Aug.

So my plan is to keep it till July 2026 then only terminate the card. At the same time i still able to enjoy 2+1 lounge and keep the TBP cause i don plan to travel anytime soon although there's 20% bonus enrich now

Also, I'm looking for replacement card and i see the best alternative will be VCC cause it suite my spending habits. (3k+3k)

Questions:
1. My plan above sounds good? did i miss out anything?
2. TBP will be accumulated if I take the VCC? meaning if later i terminate VI and those points will be transfer to VCC right?
3. Any place got signup offer for VCC ? free luggage or etc. Saw their TnG campaign but i don think i can hit the target cause eWallet top-ups are not considered as eligible retail spend.

TIA

Yup, 12k to waive this month annual fee. next year only terminate so i can utilize the 2+1 lounge next year.

Good to know TBP is shared across all Alliance card.

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

My eWallet limit of RM3,000 has already been maxed out. I'm now considering fully utilizing 3K online transaction through SPayLater.

Just to confirm — is the TBP awarded based on the posting date rather than the transaction date?

I have a transaction to make on 30 July. If I use SPayLater and then choose the “Pay Early” option via ShopeePay with VI, will there be any early settlement fees from Shopee?

I've just enabled the SPayLater feature for my account, but unfortunately, it's a bit late for me to use it with VI. I'm planning to apply for a VCC to continue using this method going forward.


Bonus for me, can keep another year for lounge access.