+1 for the crazy T&C .. can't someone at their marketing department just make a table for us? If it is that complicate to understand the T&C I will simply skip it.
Why can't they just make it simple saying
- AMEX local HKD 3 to 1 AM
- Visa / Master local HKD 6 to 1.
Is it their purpose to ruin / mess up our miles earning logic ?
Well for AMEX oversea SCB offer the best conversion rate already (except the current DBS lucky draw) so I see the point they don't offer it. The rest of my Visa oversea transaction will continue going to Citibank PremierMiles.