Originally Posted by percysmith

There’s a lot of card offers this morning

But I will exclude BEA, DBS and Primecredit Wewa because they rebate directly in cash rebate.

HSBC can be converted into miles so I include here. Every RC = 11 AM, do your own rate math:

Local spend: Extra 600RC for $12,000 local spend, 1,200 for $32,000.
Mannings: Extra 450RC for $4,800 spend
Broadway: Extra 1,000RC for $16,667 spend

Since I’m not currently buying AM for $0.09, I’m using my RC for cash rebate.

Also for BoC each 15 points gets me an AM, but I can cash offset 160 points per $1 using BoC Pay on specific public holidays like today (as a >10 year cardmember). So, not buying miles at $0.09375 either.