nope, no miles for ewallet reload, confirmed with mbb cs

really? VI can terus fast track approval for other banks? never heard before this ..

i believe have to beg if you dont meet spending criteria, but usually even if u hit criteria (when u able to meet the bonus miles), they can waive, just that u might need to call

any recent tips for KF? im itching to keep some for japan trip..

so far below 80k/pa salary best is grab only .. no reserve / premier mbb card yet

i guess its time to apply for a higher paying job then hahaha thanks for the heads up

for me now i think the best return is grab at the moment paired with grab maybank cc

yup, thanks for reading properly as to what i am writing

indeed, due to the limitation of the access to various cc's, i am restricted to choosing only the best that i can find

with 100k/pa salary not achieved yet at this moment, i doubt that there's alot of choice when it comes to KF

heck even SIA's own KF card isnt the best for earning KF for this income bracket


1,000KF (on LOCAL + GENERAL (RETAIL) / ONLINE spend ONLY); assuming annual fee not waivable regardless; below 100k / PA income

UOB (PRVI)
= 1,000 KF / 11,500 UM
= 1UM / 1RM
= RM11,500rm spend
AF = 198

HLBB (Sutera)
= 1000 KF
= N/A (did not locate KF, only EM/AA)
AF = 120

SC (SC WorldMiles World MasterCard)
= 1,000 KF / 2point = 1KF (as per mentioned in webbie, no access to redemption portal)
= 1point / RM3
= RM6,000 spend
AF = 600

Citibank (Rewards CC)
= 1,000 KF / 15,000 points
= 12point / RM1 (assuming max out at RM300 for tng every month)
= RM1,250 spend across 5 months
AF = 600

Maybank 2 Reserve AMEX (NO ACCESS)
= 1,000 KF / 5,000 TP
= 5TP / RM1
= RM1,000 spend
AF = 800

Maybank SIA KF Plat
= 1,000 KF / per RM2 (assuming online)
= 1KF / RM2
= RM2,000 spend
AF = 300

Maybank Grab + Grab ewallet
= 1,000KF / 10,000 grab points
= 6.5 GP / RM1 (assuming grabpay enabled merchants, if w/o, duitnow QR only = 5GP / RM1)
= RM1,538 spend
AF = 0

AmBank/AmBank Islamic Visa Signature Card
= 1,000KF / 15,000 points
= 1points / RM1 (visa signature)
= RM15,000 spend
AF = 0

RHB rewards card (based on 2020 catalogue, system down)
= 1,000 KF / 12,000 points
= 3points / RM1
= RM4,000 spend
AF = 200

CIMB visa signature
= 1,000 KF
= N/A (did not locate KF, only EM/AA)
AF = 0

*do correct me if the calculations are wrong / information inaccurate, i tried to find what i can on most readily available basis

perhaps others can enlighten me if there's any better ways than this, wanted to continue subbing genxyz for airmiles related guides but my need to keep low profile (deleted tracks of all socmed) so unable to fulfill all his requirements.

and pls dont tell me increase income, thats telling the obvious (if income high enough no need to "play" airmiles, just ball out buy tickets outright) and im working on it thank you

some banks started to implement spending requirement waivers

though they still give, its getting harder nowadays.. so have to take that into acc,

overseas spend usually means its gonna be automatic cross off for me, cuz even if i get the card, work & spend in SG, the benefits wont be as good as SG cards

so if i can access (m2 reserve cant reach yet), then the rank would go as what u mentioned,

citi rewards (first 300 for tng/boost/big) > the rest is grab

as below, a few actually can meet 4 miles / dollar if not better (with spending criteria like MY cards of course)

one such card is dbs vantage (with spending criteria as usual)

when considering staying long term in one particular country etc, would not have just 1 card to spend with

that said i personally do not think that M2R amex is easily beaten when it comes to TP earnings

Maybank 2 gold/plat AMEX
= 1,000 KF / 8,000 TP (based on their webbie, but i feel smth is off, should be higher but maybe its just me being skeptical on its inflation)
= 5TP / RM1 (weekdays only, weekend is 5% cashback)
= RM1,600 spend
AF = 0

somehow grab cc + grab ewallet is still the better choice here, for instant redemptions

that said, maybank 2 gold/plat weekday should stand out more if collect 1 year one shot redeem to krisflyer during treats fair if they have promo for it

personally im more keen to use grab at the moment, though it might change after grab started tightening the tap

before its last revision

maybank grab cc = 5x
grab platinum = 3x
10 grab point = 1 KF
10,000 grab point = 1,000 KF
rm1 = 0.8 KF
1 KF = rm1.25
1,000 KF = RM1250 spend

right before its last last revision
maybank grab cc = 5x
grab platinum + bonus = 9x
10,000 grab point = 1,000 KF
rm1 = ~1.4KF
1KF = rm0.715
1,000 KF = ~RM715 spend

it was pretty much unbeatable

not gonna mention the time when there was 30x.. its just sad to even be recalling that

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

=============

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

as explained above, have yet to reach

that said, since its not urgent yet, would wait till there's good sign up promo should there be such offer

also, if no AF + no condition local lounge, RHB would be better.

i think you got the "P" wrong, its not premier, its platinum

Ambank VI = 120k


cant get RHB VI, need 150k

visa sig and wmc, 80k, 5x PPL access

Has anyone travelled with MAS recently on their Enrich Saver redemption?

Wanna confirm some details, which I find odd while looking at the enrich redemption page



How is this enrich saver gives you business class but removes the 'perks'

1. Check in counter doesn't check whether you savers or not what, just business in general to let you priority check in?

2. And they removed the seat selection which is complimentary during check in for non-paid / standards seats?
- makes little sense to me since its business + usually during check in you get to choose seats albeit limited ones

3. And for business class luggage usually they would also put business class tag on the luggage itself
- so they dun give the tag instead?

4. During boarding they announce 'business class except enrich savers'?
- wah like that its embarrassing for the enrich savers no? lol

5. No child discount - okay understandable

6. No lounge I can understand and agree its reasonable

thanks for the input! appreciate it! i was just curious as to why they market it as the pics above

pretty confusing tbh

on top of their lousy website

yeah i guess that is true

people would think that its better to get the basic one that comes with essentially the same perks

but more expensive in terms of points

okay got it, thanks for the confirmation too

yeah not forgetting to mention that apart from the uniform / catering change

we essentially not getting any proper value here with the inflation of more than 30%