Effective Cashback around 3% of ur local spending is this correct

you need to redeem the voucher inside apps, you can't enter by just showing the cc
if you reach gold status you are unable to redeem the voucher anymore

Hehe..i intended to enter with wife and parents. Using both gold and ambank enrich infinite quota, total 4 pax.

when you pay in foreign currency, there is always a charged. i have recently test ambank enrich VI, it's 1%.

if you are talking about the dynamic currency conversion that some other banks charges where you pay in RM but the platform is overseas, like youtube, i have also tested, on AIRBNB myself, they dont.