different day got different rate, you can search your flight and date to check on the points required
there are many cc that can earn way better points than this card plus the current point earning is only for the 1st 43mil points after that the rate is even lesser than HLB VI
if you want to worry free on annual fee can get HLB VI instead
if you spend a lot overseas can consider UOB Prvi Miles Elite
if you want to enter golden lounge actually enrich money got program to earn enrich gold status by just converting points into enrich money and straight they give 1 years plus till March 2026 for current campaign
we usually don't buy points unless u are desperate or miss some points to make full redemption on flight or hotels
the actual rate might be around 4c for flight and 3c for hotel, so dun waste money 5.5c to buy/transfer it
Thank you so much for your "insight" .. I will look at the cards you mentioned