Hi, I think the biggest advantage with HLB World Elite comes from the annual bonus of 150k miles with RM 300k annual spend inclusive of government and JomPay. Heard some businessmen and businesswomen use personal card to pay for companies bills, insurance, etc.
Even though CIMB TWE offers RM 1 = 1 Mile in the year, this actually plays second fiddle to (less advantageous to) CIMB e credit card which offers RM 1 = 1.2 miles on the 28th of each month, subject to maximum RM 1667 spend per card.
*Interestingly and very generously, CIMB's limit of 20k reward points per cardholder applies to each individual principal and supplementary card holders. It is the same as the cash rebate CIMB cards.
For example, 1 E credit card and 3 supplementary cards (i.e. two parents and husband/wife), the family can spend RM 1667 x 4 per month and earn 2000 x 4 miles per month.
Parents with the E cards can equally issue supplementary cards