Originally Posted by
IncyWincy
But isnt this still the best card for overseas spending?
Depends how is your spending and mileage conversion pattern. If you consistently spend big amounts oversea then yes. If not, you better double check.
For myself the flexibility of converting anytime with no cost out-weight the service fee by using DBS Black.
My Annual oversea spending : Approx HKD 40K
Translate to 16K AM using SCB or 13.3K AM using DBS
so it's the decision between 2.6K miles vs 300 HKD
If it's once every 2 year I have no complain and just pay the 300 HKD, but I redeem award fairly often so the flexibility is more important to me.
Originally Posted by
ChrisLi
SCB : 50K HKD Spending = 300K Bonus Point = 20K AM + 300 Service Fee
DBS Black: 50K HKD Spending = 200K Bonus Point = 16.6K AM + No Service Fee
So for 300 HKD you get 3333 AM more (as a medicore oversea spender), 1 HKD to 10 AM
that's still bit better than Asiamiles top-up (1 HKD to 4 AM) but well seems not a good choice...