Zenith RM1 = 2x UNIRM
PRVI Miles RM1 = 10x UNIRM

9,000 UNIRM = 1,000 Enrich Miles

Approx 8,000 Enrich Miles to 1 Economy Flight return BKK, therefore RM 9,000 (PRVI) to RM 36,000 (Zenith) equivalent overseas spend. There is however mention about a Visa Infinite Metal where 4,500 UNIRM = 1,000 miles which means points earned on that card are valued twice above PRVI miles. Any ideas on that card? Honestly, the vast majority 95% of my spend is overseas spend as I'm not based in KL, so the overseas spend points generation is probably the most important part of the card next to the value of the points.

At the 9,000 UNIRM to 1,000 Enrich Miles, I think the value is roughly the same as HSBC (if not slightly less). So it's only points generation that is a question since HSBC PT is now only 1.1x points per USD1 overseas spend...

Hi! I'm planning to apply for the Visa Signature card to replace the platinum but I'm not sure if they have the same waiver condition for annual fees like swipe x12 .

HSBC website didn't mention but Ringgitplus got. Can anybody share their experience? Thanks

hi just asking here, for those still holding Hsbc card any reason why? I am currently holding the VS and rarely use as ntg much from them. Thinking to cancel it but im treating the card as for autodebit only for my phone bills and etc for the AF waiver since the CL is they gave me is good high.

visa signature - yes. 1 month must swipe at least once. not 12x. if u miss of the month, then dont count.

Thanks for the info! I was looking at this card to use for overseas travels for work

HSBC PT has bonus point cap

Enrich Saver is not available anymore, the ticket redemption rate is sucks, so I've switch to KF now.

Never used travel notice before and haven't had any issue using my card overseas before... How many times has your card been blocked after setting travel notice?

EDIT: Noticed CIMB TWE card also seems to have good points generation rate at RM 10,000 spend = 1,000 Enrich Miles. Any thoughts on this card?

hi just asking here, for those still holding Hsbc card any reason why? I am currently holding the VS and rarely use as ntg much from them. Thinking to cancel it but im treating the card as for autodebit only for my phone bills and etc for the AF waiver since the CL is they gave me is good high.

RM600 (annual fee is waived if used once a month, for 12 consecutive months with minimum annual spend of RM2,000)

Hi, hsbc do not waive or rebate me the sst charges. They insisted me to pay the rm25 (outstanding, not billed yet) even I requested for cancellation. I do not use this card for few months. I have tried live chat and call in, both also saying the same thing. How to solve this? Complaint to bnm?

You try to tell them, no transactions made after SST charged, can cancel without paying the SST. Ask them check with their team. Ask his/her name then make aduan to bnm. Soon will have someone from bank to contact u for sure

Hi, hsbc do not waive or rebate me the sst charges. They insisted me to pay the rm25 (outstanding, not billed yet) even I requested for cancellation. I do not use this card for few months. I have tried live chat and call in, both also saying the same thing. How to solve this? Complaint to bnm?

We refer to your feedback to Bank Negara Malaysia, who has requested us to reply to you directly on this matter.



We’re sorry to note that your request for credit card cancellation wasn’t executed on timely to your expectation. In addition, we regret to note our Contact Centre team didn’t effectively address your reversal request for Sales and Services Tax (SST). Please accept our sincere apologies for any inconvenience caused. Rest assured, we’ll internally address the shortcomings with the Team concerned. We appreciate your feedback that is important for us to assess and where necessary, improve our processes and services.



Please allow us to explain that SST is a mandatory charge, which is administered by the Royal Malaysian Customs Department effective 1 September 2018. It will be applied to the credit card on an annual basis, based on the month of credit card approved. We note that the SST was charged to your HSBC XXX card on XX XXXXX 202X and you have called in for card cancellation on XX XXXXXX 202X. In view of the credit card is still in an outstanding balance, the agent is unable to act on your card cancellation request.



Nonetheless, we’ve further reviewed your account. As a gesture of goodwill, we’re pleased to inform that we’ll credit a cashback of RM25 to offset the SST and reverse the Late Payment Charge. Once the credit card account had been zerorised, we’ll proceed to cancel your credit card and keep you updated on the card status by next week.



Thank you for giving us the opportunity to address your concerns. If you have any questions regarding your feedback, please reply this email. Alternatively, you can contact our Telebanking Centre at 1 300 80 2626 (Local Call) or 603 8321 5400 (From overseas) for assistance on other matters.

Hello Sifus

Does the HSBC Travel Mastercard award Miles for e-wallet reloads?

Thank you