oh, i think you might be able to help with my second question as you mention the spg amex card. i have just moved from HK to the US. I use the AMEX CX elite card. i know I get 1 asia mile for HK$1 spent overseas, but the conversion of USD to HKD is punative at around 7.9. Does getting the Amex SPG card work out to be a better conversion for me?