QUOTE(linese9001 @ Jun 22 2019, 12:25 PM)
If MUVI and AMB WMC which conversion rate is better? Gonna apply for 1 card for overseas spending... previously used VI the rate is.... pain
I don't quite get you...? aren't we looking for the best card for utility? if compare HLB visa infinite & CIMB enrich world elite for utility spending, ofcuz HLB visa infinite is better..... you don't have to pay that 1.2k annual fee if you can't meet 1mil spending for CIMB enrich world elite.
Basic calculation/comparison assuming RM1,000,000 utilities/year
HLB visa infinite
RM2.8/1EM= 357,142EM
no annual fee
CIMB Enrich World Elite
First 300k RM2/1EM = 150,000EM
subsequent 700k RM4/1EM = 175,000EM
Total = 325,000EM
Free annual fee upon 1MIL spending, and what if you can't meet the 1mil spending.....?
So basically CIMB Enrich world elite shouldn't be on the radar at the first place...........

Since m2p is only giving 1tp for utilities and insurance, I’m also looking for another card to earn miles for those payment.
Citibank PM’s conversion rate is RM4.50 for 1 mile with RM600 af (cannot be waived?) while HLB visa infinite is RM2.80 for 1 mile with no annual fee.
If that is the case, hlb VI the best option for those 2 categories, and I can also top up my e-wallet as well