Aquitaine

Thank God for percysmith. Also just saw your signature... Hahaha that's the exact question I've been wondering about the last 2 days

percysmith

Thanks LCH.Chester http://www.hongkongcard.com/forum/fo...w.php?id=13596
http://www.hkbea.com/html/en/bea-cre...ffer-xmas.html

(Remember after the 30 June changes, only Flyer World and BEA SupremeGold World earns miles now)

Offer 1 Dining:
Min spend: $500 per transaction
Max spend: $3,125

Offer 2 Overseas:
No min spend
Max spend: $10,000$8,000

I'm wondering should I do Offer 2 for Christmas and save HSBC overseas for Chinese New Year now.

Timothy Lin

Dear Percysmith,

Do you know why Bank of Communications hasn't announced any bonus points promotions yet? As far as I know, they had one running for 3 months last year and the year before last year as well.

Best,

Tim

Sheun

So I have my group of 4 set and I want to add one more.

I know I am limited to register only one card under my HKID.
However, can I add my mother's HSBC card (different HKID obviously) who is just a supplementary cardholder of mine?

My understanding of the T&C is that I can add a supplementary card, because they count one registration per HKID cardholder. Correct me if I'm wrong.

percysmith

Sheun - think you're right. It's only clause 2 and 23 https://www.redhotoffers.hsbc.com.hk...nd-conditions/ - additional cardholders (who are mostly combined-type cardholders by now) register separately.

percysmith

They're still on the final days of the crummy (but I did take it up to cover Oct-Nov spending) 2% promo. Watch this space after 15/12.

percysmith

I get this one quite a lot, both here and hongkongcard.com.

Or even offline - next to our table for dinner tonight we were able to overhear the table next to us discuss getting 1% on 200K banquet spending. After they left the missus looked at me and asked "well they can certainly do a lot better than that?".

The relevant MCCs are 5812 (restaurants), 5813 (bars) and 5814 (fast food).

Here's some of the answers I've made before:

- "if mainland/overseas, it doesn't matter what the merchant category is, go for HSBC 6X mainland spending/overseas spending."

- "can you make a deposit and find the DCC? And have you enrolled into HSBC 6X? If you haven't yet make it dining"

In respect of local dining, I also have the following experiences personally/making payments for others:

- stand alone restaurants are almost certainly dining

- even dedicated banqueting venues like U-Banquet are dining

- hotel restaurants have the same coding for meal or banquet, which may end up as 3509 for Visa/Mastercard or 5812 for Unionpay (Man Ho).

But what about a banquet thrown in a hotel?



Turns out to be MCC 5812 Dining per HSBC. Confirmed twice.

percysmith

This is the second most-frequent question I get. I am cheeky enough to say it's an inevitable follow-on from the above.

Unfortunately no dedicated spend category covers hospital spending, so we can only think in terms of general spending promos such as CCB Summer Reward, CCB 939 and/or Bankcomm 8X.

Or worse case, bring your Worldmiles out.

theworld

I'm also in a similar boat, got myself a Citi Prestige (as well as DBS Black AE & MC).

I presume I can cancel the DBS Black AE, but maybe keep the MC?

Also, just want to check, just looked at the Citi charges etc and I don't seem to see them make reference to getting charged for making HKD purchases from abroad, or am I missing something?

percysmith

http://www.hongkongcard.com/forum/fo...w.php?id=13616

"Actually I'm not so much interested in an extension. Rather I was really praying for a $35,715 8X-like promo and seems my prayers have not been answered. I confirmed a points promo is not forthcoming."

percysmith

CCB eye 5X online/paywave/instalment 5x extended to 31/12/2015 http://www.hongkongcard.com/forum/fo...p?id=8779&p=23

This extension is a godsend because there is no other ongoing promo for local online spending.

Also CCB does not charge cross-border fee for its Visas in practice despite listing the fee in its T&Cs.

percysmith

Yes but what's the point? Not going to be able to churn the Black AE for renewal offer. Plus there are some places where an AE is handy (a $4/mile earning card at a DCC location). I'm keeping mine.

A Citi CS claimed to me last week that Citi will pass 0.8% on its Mastercards. But Citi CS advice are not worth the spit I spit out during the call.

theworld

Pretty much sums up HK's awesome consumer laws really. CCB clearly states in their terms that they will charge, but in reality they don't. Citi don't mention it in their charges, but in reality claim they charge. I guess with CCB they could without any warning start charging (as its clearly in their terms).

All citi says is the following:

"Note: Customers may sometimes be offered the option of settling foreign currency transactions in Hong Kong dollars outside of Hong Kong or with online merchants located overseas. Such an option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, customers are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee."

Isochronous

How do CCB points work - are they only transferrable to AM, or other schemes too?

trashn

If I understand correctly for the rest of the HSBC cards it's $4,000 maximun spend ?