hlee
I've done some comparison on forex the past few years, and the AmBank World MasterCard has the lowest forex rates. In their terms and conditions they state that they take the Mastercard rate (https://www.mastercard.co.uk/en-gb/consumer...t-currency.html) + 1% markup.

Big Pay uses the same Mastercard rate + 0% markup. The problem is that you hardly earn any points with BP. So the workaround is to topup BP with your M2P VI, and swipe BP overseas, u get the best of both worlds.

And yes, Amex double converts - convert to USD first, then convert again to MYR, then adds a 2.5% loading. Not worth it.

This post has been edited by isaacchew: Mar 5 2019, 01:05 AM

Moving on.... wonder whether this statement would make people more wary of redeeming TP to Enrich points..
Malaysia to decide fate of Malaysia Airlines soon, PM says
Though there's national pride involved so it won't totally just be based on just dollars and cents.

Lol, i think they'd prefer people paying full price for a business class ticket, than those redeeming air miles.

This post has been edited by isaacchew: Mar 15 2019, 04:10 PM

Enrich, you can still get decent deals as it's based on supply and demand. So when fares are low, miles redemption is low. Few months ago I redeemed KL-Tokyo business class return for 100k miles.

limeuu / anyone else.. I've been relying on Enrich in the past as I wasn't sure how the Krisflyer waitlist system works. Mind sharing how KrisFlyer / Asia Miles compares to Enrich? Obviously it adds another transit point, but apart from that:
1. Which FFP gets you better value?
2. How does the wait list system work?
3. Any other comments about the difference between these FFP?

This post has been edited by isaacchew: Mar 15 2019, 04:26 PM

Thanks all for the info..

That was 3 years ago. Now I don't think can find j return for that amount. For similar-ish distance, Enrich KL to London / Melbourne is maybe 200k miles.

FFP = frequent flyer program

Yea I guess you're right. Just having a direct KL to wherever flight seems more convenient. The only drawback is MAS doesn't fly to many places. Will try checking out the other FFPs. More headache though having to keep track of all 3 ffp, plus my wife has her own ffp, so miles will be split all over the place..

Btw, has anyone been able to redeem Enrich on One World partner airlines (Qatar etc)? I've tried a few times over the years, every time it is a tedious process of having to manually call up and wait as they slowly check airline by airline, and date by date, and in the end there's always nothing available.

Thx. Never occurred to me to do that. Will try in future.
But I think it might not be just plain availability per se, and more so how many seats are allocated to partner airlines. e.g. Qatar might only allocate 2 economy seats per flight to MAS.

Ok, thanks for the info!

I think AmBank supplementary cardholder can also redeem miles to their own Enrich account, instead of just to the principal

And for those asking above, I'm able to top up to Boost using M2P Amex. Though if I'm not mistaken, if you check out the Boost thread, it's kinda hit and miss with some people having problems topping up with certain methods on Boost ,while for others it goes through fine. Also, apparently once you use a card to top up a Boost account, you cannot use the same card to top up a different Boost account.

This post has been edited by isaacchew: Mar 24 2019, 10:12 PM

But if you convert 50k TP to 11k Miles, that's worth more than RM100.

Is it worth it? Say you have RM10k of tax to pay.
0.8% surcharge = RM80
Using MBB Amex KF to pay, you get 5000 Miles
If 1 Mile = RM0.04, that's worth RM200

Okay I guess there's RM120 'earnings'. Something's better than nothing, but not worth the hassle unless one already has the card, or unless you have a huge amount of tax to pay.

What do you mean by double miles for over RM60k? For 60k spend, wouldn't you get 30k KF Miles?

I thought the generally accepted value of 1 Mile is RM0.04-0.05. My own calculations for my redemptions also gets at least RM0.04/mile.

This post has been edited by isaacchew: Mar 31 2019, 02:09 PM

Checking bookie odds, upcoming matches are:
3 Apr Wolves v MU 2.45am (50% chance of winning)
14 Apr Mu v West ham 12.30am (70-75% chance of winning)
21 Apr Everton v MU 8.30pm
28 Apr MU v Chelsea 11.30pm

First 2 matches you'll need to gamble, as you won't know the results beforehand. And out of the 2, Everton is the safer bet as there's a higher chance of winning.

You could also wait until the Everton match where you'd know the results before the day is over. The problem is if MU loses, the next match is vs Chelsea which is tougher (though you'll be able to watch the first 30 mins before you decide what to do).

Do a search, there were some discussions some time back on placing FD. The best is to walk into 1U/Maybank card centre and ask them what's needed.

Also, anecdotal experience, just 2 weeks back my friend walked into Maybank card centre. They said since he has an existing Maybank card with at least 30k credit limit, they granted instant approval for the M2P.

This post has been edited by isaacchew: Apr 1 2019, 05:00 PM

So you all pay 0.8% extra, to earn 5x TP, which is worth more?

How do you all track / verify that all points comes in? I read before that some people said they do TP reconciliation? From the statement it seems to show a pretty limited breakdown. Actually, anyone got an explanation what all these terms in the statement means?
Visa Infinite Overseas Spend
Visa Infinite Local Spend
Overseas Spend
Amex Reserve 4x Spend
Petrol Points

I guess some are self explanatory. But what's the difference VI Overseas Spend & an Overseas Spend? Why is Amex 4x instead of 5x? And what is Petrol Points?

Also, in M2U website, in the points section there is a separate item called Membership Points? Any idea what this is?

Haha. You're on another level!

So basically, let's say I spend the following:
VI Petrol = RM100
Amex Petrol = RM200
VI Local = RM300
VI Overseas =RM400
Amex Local = RM500
Amex Overseas = RM600


My statement would show the following?
TP earned for the month = 100 + 200 + 300 + 400 + 500 + 600 = 2100
Multiple TP earned at Participating Partners for the month = 6000, where
Petrol Points = 100x1 + 200x4
VI Local Spend = 300x1
VI Overseas Spend = 400x1
Amex Reserve 4x Spend = 500x4
Overseas Spend = 600x4

Or if you don't mind sharing your hardwork you can DM me your excel..

EDIT:
Checking my statement I think petrol is counted separately, so it should be:
TP earned for the month = 300 + 400 + 500 +600 = 1800
Multiple TP earned at Participating Partners for the month = 6300, where
Petrol Points = 100x2 + 200x5
VI Local Spend = 300x1
VI Overseas Spend = 400x1
Amex Reserve 4x Spend = 500x4
Overseas Spend = 600x4
Also, there are small discrepancies from just multiplying the "total debit this month" .. I assume it's because for each individual transaction the amount is rounded down.

This post has been edited by isaacchew: Apr 12 2019, 02:02 PM

Okok thanks. never bothered checking statement as I just assumed it's correct and all auto-generated. but at least I understand it more now.
I just got MUVI last month, will check that too (btw, those that do what's your strategy? I think I'll top up to BP 5k tmrw, and another 5k for the Everton game as it's an early game)

MU v West Ham Sunday 12.30am, means need to top up on Saturday, 13th Apr
Odds for MU winning is around 72%

Ya, vs Everton following week is confirmed type. But winning odds is only 44%.
After that is vs Chelsea which is an even tougher match.
So some 'gambling' is required.

Totally agree. This is the easiest match of the month. Everton and Chelsea are much tougher matches. I'll put some today, and a bit more leave for Everton.

Without a doubt I'd use MUVI even if there's no match.
The extra amount you end up paying from the high forex is way more than the TP you'll earn.
Plus since there's a match today, even more reason to use MUVI