Best CX credit card ?
Jan 22, 2010 | 2:39 am
#16
Join Date: Jan 2007
Location: HKG
Programs: BA Silver, Marriott Titanium, Hilton Diamond, Hyatt Globalist
Posts: 486
At the moment, I am still using my SCB Amex Card simply because of the still-hard-to-beat 6x bonus points when you use it for overseas transactions and selected travel agents in HKG. I bought many tickets from that particular TA with the SCB Amex card because of that benefit; for example: I just authorized around $13k of tickets from HKG, which is equivalent to slightly more than 5k miles for that single transaction. Not to mention that at the moment (till end of the month), SCB Amex still has that Double Miles Promotion for local transactions, which is equivalent to 4x bonus points and the redemption rate is still at $12=1AM; free of charge.
As for other transactions in which Amex is not accepted, then, I will still use the Citibank Premier Miles; except for Dining transactions, which will go to the DBS Master Card, because of the 3x bonus points. Occasionally, when the DBS Black Card has some value-for-money promotions (like at the end of last year), I will also use it once-in-a-while.
These 4 are my most frequently used cards nowadays.
As for other transactions in which Amex is not accepted, then, I will still use the Citibank Premier Miles; except for Dining transactions, which will go to the DBS Master Card, because of the 3x bonus points. Occasionally, when the DBS Black Card has some value-for-money promotions (like at the end of last year), I will also use it once-in-a-while.
These 4 are my most frequently used cards nowadays.
Jan 22, 2010 | 3:32 am
#17
Join Date: Nov 2008
Programs: SQ QPP1, HYATT DIA, SPG GOLD, HH GOLD, IHG GOLD
Posts: 656
So, which one is true?? I guess I will have to wait till my bonus points for the latest transaction to be posted, then I will update this thread.
Even if it's not 6x bp...I guess the consolation is that it will still be valid for 4x bp.
Jan 22, 2010 | 7:28 am
#18
Join Date: May 2009
Posts: 6,978
Me too. I don't mind an extra Visa, but I really don't want an extra MC because I already have 2 MC which I can't get rid of and definitely don't want a third as well.
However, the form only allows the option of choosing a MC and does not offer the option of a Visa. Someone else mentioned a Visa card is possible instead of MC? How?
However, the form only allows the option of choosing a MC and does not offer the option of a Visa. Someone else mentioned a Visa card is possible instead of MC? How?
Jan 22, 2010 | 7:30 am
#19
Join Date: May 2009
Posts: 6,978
Why not USA?
CX has such a strong presence in USA (SFO, LAX, JFK) I'm very shock they don't offer any card here.
The only reason I can think of is that they don't want to step on AA's turf. In the old days they used to tell USA-based customers to sign up with AAdvantage rather than MPC.
The only reason I can think of is that they don't want to step on AA's turf. In the old days they used to tell USA-based customers to sign up with AAdvantage rather than MPC.
Jan 22, 2010 | 7:46 am
#21
Join Date: Apr 2009
Location: Hong Kong
Programs: CX Diamond (OW Emerald), former SQ Krisflyer Gold
Posts: 2,590
I only have 1 Visa at the moment and I can cancel it, so if I have to get a new card I prefer to cancel my existing Visa and get a new Visa. That way I have 2 MC plus 1 Visa instead of 3 MC and no Visa.
You are right that they are accept together pretty much everywhere, almost. For example, at the Olympics I think they only accepted Visa and nothing else. Sometimes (very very rarely) merchants only accept Visa and then having 3 MCs in your wallet isn't very useful.
I have no particular fascination with Visa per se.
Last edited by midlevels; Jan 22, 2010 at 7:47 am Reason: spelling
Jan 22, 2010 | 8:26 am
#22
Join Date: Jan 2008
Location: Hong Kong
Programs: BA Gold, JGC Sapphire, OZ Diamond, AF Silver, CX GR, Marriott Lifetime SL
Posts: 3,598
Just something more funny : I got comp-ed to a SCB Plat Visa recently, and they clearly say that they won't cancel my existing Gold Visa.
When they charge my annual fee, I called and request cancellation of card, and they say just keep it as a extra card as it cost you nothing anyway and it's under the same credit line ... may be a trick by them to increase their market penetration? (as summary I end up having 3 SCB cards ...)
When they charge my annual fee, I called and request cancellation of card, and they say just keep it as a extra card as it cost you nothing anyway and it's under the same credit line ... may be a trick by them to increase their market penetration? (as summary I end up having 3 SCB cards ...)
Jan 22, 2010 | 7:19 pm
#23
Join Date: Apr 2009
Location: Hong Kong
Programs: CX Diamond (OW Emerald), former SQ Krisflyer Gold
Posts: 2,590
Jan 22, 2010 | 9:51 pm
#24
Join Date: Apr 2009
Location: Hong Kong
Programs: CX Diamond (OW Emerald), former SQ Krisflyer Gold
Posts: 2,590
Is this fair to say for the SCB Amex?
Local spend: Base rate of 2 points for 1 dollar without any spending limit = $7.5 per mile
Overseas spend: Base rate of 6 points for 1 dollar without any spending limit = $2.5 per mile
If true, it may not be the best rate around, but is certainly the best combination of the two.
Also I hope someone can answer if it's possible to get a Visa with it instead of MC.
Local spend: Base rate of 2 points for 1 dollar without any spending limit = $7.5 per mile
Overseas spend: Base rate of 6 points for 1 dollar without any spending limit = $2.5 per mile
If true, it may not be the best rate around, but is certainly the best combination of the two.
Also I hope someone can answer if it's possible to get a Visa with it instead of MC.
Jan 22, 2010 | 11:38 pm
#25
Join Date: Mar 2009
Posts: 93
If there is no way around it, I think I will stick to my current DBS Black and Citi Premier card combinations for now.
Jan 22, 2010 | 11:43 pm
#26
Join Date: Mar 2009
Posts: 93
I try to use my SCB Amex as much as I can when I am away from HK, as I don't think anything else offers HK$2.5->1AM.
Whilst in HK, I try to use my DBS Amex for everything (including paying bills online), other than that (or where they don't accept Amex), I use my HSBC Plat Visa or Premier Mastercard or DBS Visa (for dining).
Whilst in HK, I try to use my DBS Amex for everything (including paying bills online), other than that (or where they don't accept Amex), I use my HSBC Plat Visa or Premier Mastercard or DBS Visa (for dining).
Jan 23, 2010 | 12:54 am
#27
Join Date: Jan 2008
Location: Hong Kong
Programs: BA Gold, JGC Sapphire, OZ Diamond, AF Silver, CX GR, Marriott Lifetime SL
Posts: 3,598
My main objection is that I have no use for another credit card, I already have too many! I want to apply and get the SCB Amex for the 6x overseas miles but do not want to be forced to also apply for a SCB MC at the same time.....
If there is no way around it, I think I will stick to my current DBS Black and Citi Premier card combinations for now.
If there is no way around it, I think I will stick to my current DBS Black and Citi Premier card combinations for now.
Technically you can pay other CC bill with it, but it is consider as overdraft instead of normal transaction and interest will be billed at the same time
Jan 24, 2010 | 5:55 am
#28
Join Date: Mar 2009
Posts: 93
Hi Chris, thanks for the info.
I wont be paying my other credit card bills if it counts as overdraft then! So if I pay the other bills it will count towards my points/miles and not the overdraft? Do you pay bills using your DBS Black card?
I wont be paying my other credit card bills if it counts as overdraft then! So if I pay the other bills it will count towards my points/miles and not the overdraft? Do you pay bills using your DBS Black card?
Jan 24, 2010 | 6:17 am
#29
Join Date: Jan 2008
Location: Hong Kong
Programs: BA Gold, JGC Sapphire, OZ Diamond, AF Silver, CX GR, Marriott Lifetime SL
Posts: 3,598
I do use it to pay school fees for local universities and telecommunications.
Feb 8, 2010 | 6:22 am
#30
Join Date: Jan 2007
Location: HKG
Programs: BA Silver, Marriott Titanium, Hilton Diamond, Hyatt Globalist
Posts: 486
After the doubleup promotion from SCB, is best CX credit card combination the following? (excluding AMEX Centurion)
Local Spending: DBS AMEX
Local Dining: DBS Plat
Local Spending (not accepting AMEX):Citi Premiermiles (no charge)/SCB Visa Infinite (with charge)
Overseas Spending: SCB AMEX
Overseas Spending (not accept AMEX): Citi Premiermiles/DBS Plat (in China/Macau)
Local Spending: DBS AMEX
Local Dining: DBS Plat
Local Spending (not accepting AMEX):Citi Premiermiles (no charge)/SCB Visa Infinite (with charge)
Overseas Spending: SCB AMEX
Overseas Spending (not accept AMEX): Citi Premiermiles/DBS Plat (in China/Macau)
