If I swiped RM1500 yesterday, and I plan to convert it into the ezypay 6 months installment, the RM1500 already capped my cashback for the month right?

Why so weird? My Lazada app saved my AmEx card ever since I started using AmEx.

How does the math even work?
From my understanding, if your foreign expense's cashback is RM20, you can still get RM30 cashback from local spending, there is no conflict
If you meant getting full RM50 cashback from foreign expense, but effectively only RM20 due to rates and fees, then I get your point, but still, if it works for the person, why not?
Not everyone like the hassle of managing foreign currency, especially the small change where you can't convert back to MYR easily.

Not sure if upgrade is a right word for these cards, as they are separate products.
You can have 2 gold, 2 plat, 2 premier, all at once.

-Deleted-

This post has been edited by Altrius: Jan 24 2025, 05:41 PM