that is bad news..

Not sure if someone has mentioned this, but the value of TP will likely drop from Aug 1 onwards as well.

www.rcubed.com.my has already put up a statement asking people to redeem for ONEcard vouchers in order to "maintain your value" and "preserve your points"

This post has been edited by zenquix: Jul 18 2013, 03:25 PM

I expect it would

if you consider 12000 = RM50, it is a 20% increase in TP cost.

inaccurate. if it is 1U then it was 210TP to RM1.

But still it reflect a 25% increase in cost

you have to use the voucher on the same day

Confirmed. CS drop the hint. RM100 Aeon voucher will take 25k TP instead of 20k TP tomorrow onwards

Incorrect - 3 years expiry

likely rounding as it is calculated per transaction and not monthly total.

it is only uusally worth it if the EPP is 0% interest. Else if you already have the cash, can you invest it to get higher than 4.5% p.a returns over that 6 months?

also note... your tenure is only 6 months. If your EPP is a 4.5% UPFRONT charge, then it is not p.a

if you are looking @ enrich miles, the visa infinite @ RM0.90 per Enrich Mile is the best choice for overseas spend vs RM1 for the World Mastercard. For local spend, it is RM2.25 for the VI vs RM2 for the WM. So depending on your spending pattern. However in a long term situation the VI might be better as you still get Treatpoints every RM spent instead of earning treatmiles in blocks of RM2 spent locally with the WM.

It's RM120k spending requirement for waiver that turns me off the WM card.

Note the points requirement had not been affected by the Aug 1 devaluation.

Only TP from the VI. All TP earned on other cards default to the 7000TP for 1k Enrich rate.

BT does not earn TP

Hi Gen-X,

Do you have the Alliance Bank VI? Hoping to compare the exchange rates between MBB and ABMB after the latest forex rate increases

OCBC Titanium?

I still like Alliance Bank Plat for its up to 2% cashback + timeless bonus points . 12 swipes a year for annual waiver

This question is OOT in this topic. Should move it to http://forum.lowyat.net/topic/2243367/

This post has been edited by zenquix: Aug 20 2013, 06:08 PM

Transaction date is 17-Aug, a saturday. so you are eligible for rebate. Please read post #1 and all other posts. This has been repeated again and again.

without info from MBB, forex rates are best guess. However it is known that Visa rates has gone up since August. Previous

analysis done last year showed the rate was closest to posting date for visa. but already 1 year old, and knowing the rate went up in August, most likely no longer valid.

http://myfint.blogspot.com/2012/03/maybank...rates_3826.html

This post has been edited by zenquix: Aug 22 2013, 11:40 AM

that line applies to cases where the physical transaction happen on a weekend but the merchant only processes on a weekday - making the transaction date a weekday.

This often happens particularly on e-commerce sites, think Amazon and agoda are the ones that come up often

This post has been edited by zenquix: Aug 22 2013, 11:03 PM

They swipe when u check in, but only process when you check out, so transaction date will be Monday. However, you can go down on saturday/sunday and ask to settle the bill first ala prepay to get the transaction date to the weekend.

OOT but it is very expensive to walk in without a booking (RACK rates). I would suggest if you intend only to pay at check out, at least get one of those flexible bookings where you do not need to pay upfront. Or get prepaid booking on Saturday morning if you have not gone overseas by then.

edit: i have been in a hotel before where the transaction date reflects the day AFTER check out (must be some back office bulk billing thing) so go on saturday evening if your really want the 5%.

This post has been edited by zenquix: Aug 23 2013, 12:06 PM

think u have to call in to CS to transfer the balance to another card

This post has been edited by zenquix: Aug 23 2013, 06:09 PM

would recommend linking to paypal then paying w paypal to guarantee weekend spend

it is printed on the card and not a sticker... should not surprise you in the current lowest cost manufacturing environment. IMO might be safer to have embossed it but I am guessing printed on the card is the standard for Amex everywhere