hmmmm i recently bought air tickets
i have to say, u really have to read the travel insurance fine print
for m2plat, which is covered by etiqa, the flight delay / luggage loss portion made me scratch my head
"This
benefit does not apply if the flight delay is in the Covered
Person’s Country of Residence."
so if i fly from malaysia means this is not applicable
in other words, it renders the insurance useless
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lounge access card essentially its for lounge access only
u can get sia plat, and keep it, use it when u fly or when the place u spend accepts amex but not grab
since sia plat is tied with maybank, ur spending can request to waive for the card AF (i bet its gonna come with conditions, but from personal experience not hard to achieve)
same goes for AEON big gold (spend 500 on grab, reload tng using grab) = done, for AF, swipe at parking lot every month = settle
HSBC, same, swipe in parking lot (visa sig need spend 1x every month consecutively for 12x month) = settle
the service tax rm25 i take it as subscribing fee for the banks cc, its per annum so i dont see too big of a deal there
Always get an enhanced travel insurance especially if you travel now is a nightmare everywhere. Dont rely solely on cc one
I for instance had my luggage delayed by 10 days late while travel back from UK last month. Initially thinking it’s lost forever.