amanah mpower groceries cb only for Giant, Tesco, Aeon BIG and Mydin?

this is very similar to Visa Signature

how much is the redemption ratio

Trying to apply and the enjoyment of exclusive launch offer of 300,000 reward points only for new HSBC credit cardholders

The bonus points are very limited man...

Foreign currency x8 limited to 20,000/mth
Local travel x5 limited to 10,000/mth
Local Dining x5 limited to 10,000/mth

https://www.hsbc.com.my/content/dam/hsbc/my...-conditions.pdf

how much points can really generate for miles redemptions???

yes, very limited. their ewallet also limited to tng, favepay, grabpay.

Similarities between Visa Signature and TravelOne MC:
- 8x points for foreign spending (online and retail)
- 6x Plaza Premium entry per calendar year
-

Differences between VS and TO:
- Income requirement: VS-RM72k; TO-RM60k
- Annual fee waiver condition: VS-12x swipe per calendar year and RM2k annual spending; TO-RM20k annual spending
- 5x points: VS-Eligible Retail MCCs and Online; TO-Dining and Local Travel (airlines, hotel, travel agency)
- Additional points capping: VS-max 15k additional points for all categories; TO- max 20k for foreign spending, max 10k each for dining and local travel
- Points redemption options: VS-vouchers and goods; TO-miles and hotel points

remains to be seen which is the better card, will depend on TO points redemption rate

what's the card tier for TO?
VS we know is Signature
the TO is platinum level?

VS easier to waive annual fee than TO. RM600 vs RM300 annual fee.

should be Mastercard World

yeah, World

60k annual income for world

😅Alliance VI also 60k

they are using the same redemption brochure for the new TravelOne card?

so it's 25k / 1000 asia miles for example?

actually what's the actual benefit holding VI VS or say, World MC?

anyone get the cash back from this campaign? TNC say 6-10week from 28/2 and its already over.

Those you mention are premium credit card. And usually premium credit cards come with some special perks that entry credit card do not have. Eg like concierge service, airport lounge entry, dedicated cc call line, etc.

Of course with the perks, some of the card charge you annual fee.

It is like just want to watch some news and local tv channel, you go for free service like TV3, TV2, TV1. But if would like to watch latest movie or drama, you subscribe Astro, Netflix, Disney+.

Kind of example.

yes. i know these branding and i hav them.
but i don't see any real life benefits solely depending on the branding VI VS or world MC alone.
seeing at now some bank is offering VI at 60k annual salary

so i think we should focus on card features instead, eg. how many cb % or airmiles it bring, or airport lounge visit, rather than the branding VI VS or world MC.
if a visa classic can easily offer RM100 cb per month, why not get it .

This post has been edited by sjz: May 17 2023, 04:06 PM

It is a tier. Anyway, perhaps not all getting to enjoy all of the privileges provided by his or her premium cc. But that doesnt mean “no real life benefits”. Example like someone who fly frequently, i mean real frequent. So if he or she own an unlimited worldwide airport lounge entry, then he or she can have a good rest, nice shower, and some meals before the flight. This is kind of example “real life benefits”.

A good cc doent have to only have cashback, some perk is much better than cashback. And i am sure these perks, a classic card dont have.

And yup, dedicated call line for customer service. This one real good, you dont have to wait and listen to the music for so long before someone attend to your call😅. Especially you are in urgent matter.

Cheers.

This post has been edited by leootan: May 17 2023, 04:17 PM

Diff tier cards comes with diff benefits, and services as well.

For example, VS vs Premier Travel, when most VS cardholder complaints about long waiting time to talk to cs, to talk to premier travel card cs will never takes you more than 1 min (personal experience)

Most premier card comes with travel perks like best airmiles conversion to redeem flight ticket. The value i get from flight ticket redemption, is far better than cash back.

This post has been edited by francis226: May 17 2023, 05:42 PM