For those with HSBC credit card, it is really important to look at the 'approved' merchant list before you charge the card. I just spent 20+K on a Japan airlines plane ticket thinking that I will qualify under the lifestyle category. Not only did this transaction not quality, I did not even get the $6.x/AM because JAL is not on the list of any of the red hot reward categories. I got a total of 95 RC. This was a tough lesson...