Regarding using CC for cars. I've signed about RM 25k on Nissan, no charges at all, but they only allow Visa, not Amex. On another case, Mercedes allow Amex but they charge you 2%.

two months ago i swipe 10k in Honda, they allowed amex ,but charged me 1.5%

thanks for sharing. I already have the HL VI card and i try not to keep 2 cards from the same bank (exception of mbb 2 cards premier). I use jompay w HL for tnb bills, but it seems that jompay does not qualify for points? Strange, as I have been getting enrich miles credited automatically every month from HL.

I am using Maybank KrisFlyer Amex at the moment, but having issue if u read on FFP thread.

Which outlet sir? Are they any max amount? Car down payment 5 X TP right

This post has been edited by db07mufan: Oct 4 2016, 01:19 PM

Retail purchase with AMEX is 5x TP

which begs the question...is 50k points worth the rm150 extra?....the treats point nominal value is 0.25sen....so the value of 50k points is rm125....

Strange. The announcement says effective 16 June 2016. I learned the hard way because I had been getting 1% on DBKL and Pos Online, and suddenly one month I received ZERO cashback. Called them and said change in terms.

Some dude on the HLB Fortune thread reported nearly 2% annual returns on his HLB Fortune (after including the annual bonus).

It depends how you value your treatpoints. For me, the sole plus of this card its it conversion value to FFP miles. 50000 TP equates to 10482 Asiamiles. Which equates to 'buying' miles at RM0.014 per Mile.

A return ticket in economy on Cathay from KL to Hong Kong costs 30000 Asiamiles +. That equals to RM420(miles value) + RM233(taxes), RM633 for a return ticket to HKG. Use it to redeem a Multi Carrier Award ticket in J/F the value rises exponentially. Asiamiles also allows you to buy miles but it's priced at USD32.50 per 1000 miles.

If anyone wants to buy a car and would not mind me swiping AMEX, please PM me I'll pay the 1.5%

This post has been edited by db07mufan: Oct 4 2016, 04:05 PM

yes, i believe genx did calculate this out before....and conclude that for the purpose of airmiles, it may be worth it....

the worth is not very much for economy class redemption...best for business class...

however, it only has value if it is replacement worth...ie, you intend to buy a business class ticket anyway, and then use miles to redeem...if you would otherwise just travel economy, then the worth may be a bit of $ saving (usually redemption cost will be less than an economy ticket), and a free class upgrade....

free class upgrade isn't much value to me, unless it's a long haul red eye....

Agreed! Different strokes for different folks ! Hahaha

wooo .... i look old now, i don't even calculate the point i earn ....

That's a fair statement, which also relates very much to how much most people are actually spending in a year. I always tell folks that if you're not gaining at least 30-40k miles (not TP) in a year, then a card like the premiere is not worth the annual fee, you can't get enough value out of it compared to a cashback card.

Many don't put enough thought or analysis into it, which is the banks' gain...

What if you swipe at the counter? Also zero cash back? So what are you doing now to get the most out of your bills?

Moving away from enrich? Understandable, with their route cuts etc
But their recent OZ deal was pretty good and I snapped 4 biz tickets to Sydney for 55k miles each

Enrich redemptions become not competitive after they removed the 15% discount. Personally, I would only redeem Enrich during promotion period which give 30% to 50% discount. Else, I would prefer KF.

Yes I agree. It appears that they are running promo quite frequently now but with very short travel dates and limited booking time. I prefer not to transit in Singapore so for the moment it's still enrich for me

Senawang Honda , ya, 5X TP ,and i converted to PBB BT ,honda charged me RM150 but i can get 0% interest + 5x TP,
still nt bad..

coz i wan BT to pbb , 0% interest

yes, but bt to a 0% bank does not add any further value to you...