Epf also reflex real income
30% over can easily spotted what?
Curious

It's great for lounge access if/when traveling. Otherwise, I'm just using it now for farming points in dining spending and the occasional travel bookings.

However, I wish I had known that the HSBC points redemption conversion was quite low before signing up. It's expected that rewards come with high spends and the calculations are never straightforward but I'll do my best to explain below: 

for example, 25 HSBC points = 1 Marriott point

RM 400 - 500 stays at the Marriott hotels easily need at least 13,000 Marriott points. This means I need 325,000 HSBC points. Assuming I only spend on dining, then I need RM65,000 in dining spend (5 HSBC points = RM 1).

FYI: 21 HSBC points = 1 Enrich points.

feel free to correct me if wrong or share what is best to convert into

Is it true the HSBC Premier Travel Credit Card is only reserved for those with AUM of RM 3,000,000 above with the bank?

for those using applepay or googlepay for hsbc cc. You will only get 1x point. even you are suppose to get 8x - oversea, 5x online spend or 5x shopping.
Please take note. In another word, applepay/ googlepay is useless as only get 1x.
i just had an arguement with cs . Even i spend on retail shopping, suppose to get 5x but due to i make a mistake by paying using applepay.

Is this stated in T&C?

I use Premier Travel, checked T&C and points rewarded, no difference paying with applepay

well i already got statement and end of billing cycle. I 've spend 1k on retail shop and pay using applepay. Statement showed only 1k point but no bonus point.

MMC code is verified it is retail and entitled for 5x but due to payment used. (refer my above screenshot).

that's what the end result told by cs. They advise me dont use apple pay as dont count as 5x shopping or 5x online shopping. It count as 1x as other.
final conclusion is coz i use applepay. lesson learned - must use physical card on retail shop. Use latest technology but get low benefit.

I was surprise. Today suddenly i've decided to check my point on statement received. Not many transactions that why easy to calculate

Maybe you are HNW client cause I got nothing from them