Just a general comment. HSBC has made their rewards earning so complicated. I can't find anything on their website that explains the conversion rates simply. It actually is losing them business as I will not bring any of my accounts to them (partly) because of this complication.
It's the reason I stopped banking with them - day to day operations with them was too complicated. I guess it just continues into their reward program.
This.
I have been under the impression that my HSBC mastercard was getting me 11x RC on Fridays for my Dining spend, but spot checking a few statements from 2014 and 2015 I have only been getting 6x on Dining, even on Fridays.
Where is the other 5x?
