all bank 3 year except alliance no expire i think

UOB revision is news to me. Got Prev elite just less than 2 months ago and applied Ambank Enrich infinite for the additional benefits. Only cons with Ambank is, we have to tied with Enrich points.

I have 2 flights recently rescheduled for Sydney and screw up my whole planning. Looks like the internal issues not going to be solved anytime soon for MAS

take note ambank no bonus conversion, other can get up to 25 percent if you wait

ambank no need convert , auto when statement date

Ya he mean because of this will miss out on the 20% 25% convert bonus for other banks

HLB Visa infinite is RM3.50 for local spend isn’t it? Your AMEX should be way better than the HLB, unless you find it difficult to use AMEX?

Ambank now till June 2025 is RM3 for local spend isn’t it better?

This post has been edited by jdachum: Sep 4 2024, 06:21 PM

Don't hoard your miles. They devalued regularly. Use them asap.

Ambank has capped redemptions at 43 million miles. It's unclear if this limit has been reached, especially since Maybank users redeemed over 100 million in just a few hours. My priority usage is Amex, then Grab for e-wallet, followed by HLB.

Grab soon will have charges too

AMB 43mil was redeem very fast. So the rate is nice but macam not worth the risk.

I plan to use switch UOB Prvymiles Elite to Ambank Visa Infinite for overseas spending purposes.

I'm still struggling to find a good local spend card. I spend a lot on the usual offline shopping, groceries, dining and etc etc...

So far the one I am using is either the SCB Journey or UOB WC, but I don't find the accumulation is good enough.

Yeah me too.

I am now just using Alliance card to reload to ewallet as they have the best conversion rate so far, and use ewallet to pay since most shops/restaurants accept QR code payment.

For local expenses, I prefer using my Amex The Platinum Charge card. If Amex isn't available, I utilize Grab with an Alliance top-up (despite the 1% fee, it's still worth it) or my HLB Visa Infinite card.

I lean towards redeeming miles.

P.S: The Amex Charge card has an annual fee of RM 3250, which cannot be waived. However, I frequently travel and take advantage of their travel perks.

This post has been edited by furuku89: Sep 18 2024, 11:33 PM

Amex is just an hassle, I've slowed down my usage of it.

I'm probably considering the alliance or the HLB one.

Same sentiment here. We still lack a good general spending miles card in Malaysia for Dining and Grocery... The closest one we had was 1.5 years ago with CIMB Travel World Elite card at 1 mile per ringgit.

Now Alliance Bank Visa is as good at 0.5MPR. You may also consider PB Visa Signature.. for the green categories like pharmacy, grab, EV charging you get 1 mile per ringgit...

Don't forget there is a 1% surcharge every time you reload TnG and Grab eWallet from cc.

Best it is to use TNB pin to reload without 1% surcharge.

currently using other ewallet platform that still hasn't start charging the 1% surcharge.

What TNB pin?

Typo, sorry
it should read as TNG pin.