Wirelessly posted (Mozilla/5.0 (iPhone; CPU iPhone OS 5_1_1 like Mac OS X) AppleWebKit/534.46 (KHTML, like Gecko) Version/5.1 Mobile/9B206 Safari/7534.48.3)
Keep DBS black if u don't mind calling HK for fee waivers. Redemption fee free.
Not sure what u want HSBC for - their overseas spending offers?