Jan 15 2024, 10:12 PM
QUOTE(lsang @ Jan 15 2024, 12:42 AM)
Thanks! This is really helpful 
So in conclusion, if I'm understanding the table correctly, reconfirming HSBC T1 provides better value only for local spending but with 10k local spending limit monthly compared to SCB Journey better value for foreign spending?
Means if i have both HSBC T1 & SCB Journey, my game plan should be spending on SCB Journey ONLY for Foreign spending and HSBC T1 for local spending only? TIA
Sorry - my mistake, I read the T&C of the HSBC T1 again - So in conclusion, if I'm understanding the table correctly, reconfirming HSBC T1 provides better value only for local spending but with 10k local spending limit monthly compared to SCB Journey better value for foreign spending?
Means if i have both HSBC T1 & SCB Journey, my game plan should be spending on SCB Journey ONLY for Foreign spending and HSBC T1 for local spending only? TIA
QUOTE
ADDITIONAL REWARD POINTS
18. In addition to the 1x Reward Points, you also stand to receive Additional Reward Points for
below category of spend subject to the Additional Reward Points Cap:
a. 7x Additional Reward Points for Foreign Currency Spend; and
b. 4x Additional Reward Points for Local Travel Spend (Hotel, Airlines & Travel Agencies);
and
c. 4 Additional Reward Points for Local Dining Spend.
19. The Additional Reward Points Cap is as follows:
a. Foreign Currency Spend: capped at 20,000 Additional Reward Points
b.Local Travel Spend: capped at 10,000 Additional Reward Points
C. Local Dining Spend: capped at 10,000 Additional Reward Points
18. In addition to the 1x Reward Points, you also stand to receive Additional Reward Points for
below category of spend subject to the Additional Reward Points Cap:
a. 7x Additional Reward Points for Foreign Currency Spend; and
b. 4x Additional Reward Points for Local Travel Spend (Hotel, Airlines & Travel Agencies);
and
c. 4 Additional Reward Points for Local Dining Spend.
19. The Additional Reward Points Cap is as follows:
a. Foreign Currency Spend: capped at 20,000 Additional Reward Points
b.Local Travel Spend: capped at 10,000 Additional Reward Points
C. Local Dining Spend: capped at 10,000 Additional Reward Points
There's a base 1 point per RM1 spend for any local transaction, but the cap on the "additional reward points" is as above. The table was based on assumption that you spend RM 10k, and the miles you would get - it currently ignores the "cap" as the categories (a/b/c) for T1 are a bit difficult to calculate other than foreign currency cap. Either way, the SC Journey appears to be an overall better card for miles assuming there is no cap (I can't seem to find anything about a cap).
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