Ppl spend rm500 is ok depand how you think normal if u fly I think u must have a spend minimum on rm500  is it ..

The Ambank Rm rlservice is really suck..Always ask for investment but fail to give the professional view on which market and the section should have more potential to grow their information came from the HQ told which market is potential the y the y look for the annual return then will suggestion u buy.. after sale service suck.. in ut part I'm really suggestion to Ocbc or hongleong.. ut part Ambank is hopeless...If u well know bit ut investment.. do investment in fsm or if u Interest on ut explorer please hold the Ocbc pb.. their service really good ... Professional  view global issue and will analyst with more professional wealth management....
But the Ambank will have the brithdays month urlt promotion.. 1%.. the Ocbc primier is 3%but depand on fund you invest.. 20k normal will have a 2.5% Sc.for extra 1% compare with fsm I think it's worth ..

How they charge 2% oh？once off per advice or purchase or yearly??

You mean they don't have free flow of Krug at klia2 ppl?!

What ? Not 142k, but 90k ? Not guaranteed somemore ?

Year 0 -32k
Year 1 -32k + 4k = -28k
Year 2 -32k + 4k = -28k
Year 3 -32k + 4k = -28k
Year 4 -32k + 4k = -28k
Year 5 -32k + 4k = -28k
Year 6 +4k
Year 7 +8k
Year 8 +8k
Year 9 +8k
Year 10 +8k
Year 11 +8k
Year 12 +8k
Year 13 +8k
Year 14 +8k
Year 15 +8k
Year 16 +8k
Year 17 +8k
Year 18 +8k
Year 19 +8k
Year 20 +8k + 50k + 90k = +148k

Then the IRR (ie. compound interest) is 2.8288%

In return, you give free gift to the bank 

Standard Chartered Singapore.. it also allows me to trade with no minimum brokerage fee across all Developed Markets, so I can reinvest small chunks of dividends nicely without worrying about minimum fees.

Maintain a minimum of SGD 200k in AUM. Unlike Malaysian banks, it can be in stocks and all other sort of investment assets, instead of just cash.

A question pls. If you are a Singapore Chartered Bank priority customer, are you also automatically a Malaysia Chartered Bank priority customer? With HSBC, you are anywhere else in the world, I think

AFAIK, for HSBC and SCB, you only need to maintain PB status in just one country. If you have oversea accounts with HSBC/SCB, they can be upgraded to PB status without fulfilling the minimum PB balance requirement in that particular country. For this reason, maintaining the PB status in MY is more attractive as the minimum PB requirement is the usually lowest among all jurisdictions.

For Citibank, you would have to meet the PB minimum requirement in all countries where you intend to have PB status.
Stand to be corrected if bank policy has changed.

I have no experience with SC SG. But I think you should ask your RM in SG instead of asking SC MY directly.

One of my friends has PB with SC MY. His RM helped him to open account with SC in SG, HK and China. All accounts come with PB status without the local minimum balance requirement. In some cases, he still has to meet the local RM face-to-face as part of the account opening process, which requires cross-border travel.

have you use before your credit card for lounge access when you have less than 250k in CIMB?

does they charge you? I saw the TNC is quite strict.

Can't comment on this as I rarely perform forex transaction through a bank. Mostly use fintech instead.