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Credit Cards Maybank Visa Signature, PPL access is discontinued-TP revision

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bearbear
post Jul 24 2014, 11:02 AM

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From: Sheffield
good alternative for those who doesn't like HLB WISE restriction biggrin.gif
bearbear
post Jul 31 2014, 12:07 PM

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QUOTE(bmxexx @ Jul 31 2014, 02:22 AM)
In your opinion, which is more valuable, cashback or enrich miles?
I currently have the maybank amex reserve, so all petrol and groceries are already being awarded 5x treatspoints, is it worth switching to cashback of 5% with the maybank visa signature, and using it instead of amex reserve?

Say spending of RM21,120 per year, around RM1760 per month on groceries and petrol
Maximum cashback on visa signature per year - RM1056
Maximum enrich miles with amex reserve - 23466 miles
Which is more valuable? Ignoring the other perks from both cards (valet parking, Lounge access etc)

Btw I currently use the enrich miles for a business class ticket to London and back twice a year at least
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With some assumptions

1. buying a business class ticket cost MYR 14,871
2. Redemption via Enrich cost 93500 EM + MYR 2679

Spending 93500 EM save you MYR 12,192. 23455 EM translate to approx. MYR 3,060

Like maskedchan point out if the miles is useful then go for miles, if your miles is taken care off then go for cash back.
bearbear
post Jul 31 2014, 04:53 PM

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Joined: Dec 2004
From: Sheffield
QUOTE(herc @ Jul 31 2014, 04:10 PM)
Maybank should encourage ppl to spend more locally instead of oversea! mad.gif

Why no 5X TPs locally  cry.gif
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i think they are very smart, from the plat/gold 2 card to signature to premier each has it's selling point. Want it all? Sign up for all 3 laugh.gif
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