I have 5.3m TP, should i go all in? LOL  dilemma... I still have 700k KF stuck in my acc 

Be careful when using any Maybank card for foreign transactions, including VISA:



https://www.maybank2u.com.my/iwov-resources...d_Agreement.pdf

1. All conversion is converted to US dollar first. I thought this was for Amex only. Turns out it applies for other cards as well
2. The VISA or Master conversion charge is 1.25% and not 1%. So it's a total of 2.25%. Their PDS and fee structure on the website is not updated. Still shows 1% for Visa and Master.

Been tracking my usage and I've been getting a charge of 2.5% to 2.9% when comparing it to XE rates. As a comparison, BigPay comparison in XE is about 0.3%. Looks like whatever treatpoints or miles also not worth the extra charge.

Dilemma whether paying 2.5% more worth for the miles? Since miles to economy is about 3 cents for every ringgit spent. Unless fly business. Feels like paying more to buy miles if I continue to use VI.

I'm quite concerned actually once border open the demand will be so high that it will be so much tougher to redeem tickets

I see, I am planning to save up to try the suite one day later but I am afraid within this 3/6 years time. The airline or maybank gonna devalue the conversion rate.

Just wondering any of you have successfully book the SIA suite class long haul flight (to london, US) with miles redemption before?

I read that it is highly unlikely.

This year business 0 sales due to covid. No choice la cannot swipe business expenditures.
If everything goes back to normal, i’m targeting to get 2.5m TP p.a.

Now trying so hard, begging around to swipe also get 15k spending per month only.
Moreover, only 2/3 of my spending are with AMEX. Many places don’t accept.

Though late, but still felt lucky to have found you all via this thread last year, else I am still stuck with those stupid Citi PM/ UOB VI 
Wow, really make me jelly. I hope I can plan my holiday like you all. I can hardly predict my schedule 1 year ahead. too bad.
Btw, did you get the connected suite on SQ? Do you call them to confirm before booking?

Secondly, do you book a separate flight to SG since we cannot book first class directly from penang/KL to those destinations.

mixed cabin will charge miles in higer cabin or average it?

Asia Miles on 28 December also having 15% extra miles for credit card redemption points. Ironically or “strategically” it starts just after KF bonus miles end on 27th lol

Many hotels and airlines are in dire state hence selling their reward points/miles with bonus during this pandemic. It's unthinkable for SQ to do that last time.

Rule of thumb: Don't buy if you don't have confirmed travel

how to have confirmed travels nowadays?....

validity for 3 years, so hopefully will be able to use by then....always will have travels as long as post covid new travel normals is not too difficult....

Just curious, if your treat points not expiring soon (e.g. next 6 months), with an offer from KF or Asiamiles, why would you convert knowing that with this pandemic, airlines could well devalue the loyalty miles later when the pandemic is over as a lot of people are trying to redeem flights using miles while they are trying to recover.

Correct also la but if you redeemed mean you got no choice already, plus no foreseeable travel plans. But if you haven't redeem, the choice is yours until maybank announce they are going to devalue their treat points or until your points expire.

Furthermore, even if the airlines devalue the airmiles, the question is, if it is still more than the rest of the TP catalog. Just our of the blue, 1.3M TP get you around 300k KF miles (incl. bonus miles) or a Dyson vacuum from the TP catalog.
If KF devalues miles worth an F class flight to Europe or the US down to a Dyson vacuum, so let it be. But the chances that that will happen are slim at best.
In the end, NEVER consider airmiles or any reward points an asset.
I am a frequent flyer for over 15 years now, and I have never seen any FFP that gave any interest or lowered mile requirements for flights.

Yay but not fixed bonus %?

If I carry back myself from Singapore and the ship to my Singapore Friend address.import duty can eliminate?

Confinement center is the one block of costs, but before, you start smiling when you earn 125k TP on the hospital bill, but then remember that that has been 25k RM of your own money that just swiped through the machine (if you cannot claim it back from your insurance).
But, maternity wards are full these days, seems the first MCO and the lack of new shows on Netflix helped to boost up the population numbers.

Hmm... I have stopped using my M2P since Oct and hence no statement was generated to me in Jan. However, I received statement for M2Cards and FCB VS and the yearly spending was at the last page. So, I assumed it is there. I checked back my last year's Jan statement for M2P and yes I have it on the last page.

Let's wait for others' comment as well.

2019 in Jan 2020 statement?