[zhuo_bo]

Hi,

Which is the best card for overseas spending?

[avsquare]

If not wrong, general spending go for Maybank Horizon. Shopping go for the 2 reward cards, Citi Rewards/UOB Amex.

[vhardono]

Overseas,I think nothing beats Maybank and CIMB combination;
Maybank family & friends: to travel to Malaysia with 5% off petrol & grocery there
CIMB: rest of transactions overseas,one with lowest conversion rate plus additional 1% rebate for all overseas transaction

[Soon__]

For Maybank Horizon Card, any spending in foreign currency will earn 5x points, then with the new tr'eat membership, 10x points?

[swatchie]

Soon__ wrote:

For Maybank Horizon Card, any spending in foreign currency will earn 5x points, then with the new tr'eat membership, 10x points?

No its just 5x, which is equivalent to 2 miles per SGD spent. But must be billed in foreign currency with the exception of MYR, which is 0.8miles per SGD.

[zhuo_bo]

swatchie wrote:

No its just 5x, which is equivalent to 2 miles per SGD spent. But must be billed in foreign currency with the exception of MYR, which is 0.8miles per SGD.

I see the points and the vouchers it can be changed for, even at 5X, it about 2.5 percent...there are other credit cards that can match or exceed this

[starbugs]

zhuo_bo wrote:

I see the points and the vouchers it can be changed for, even at 5X, it about 2.5 percent...there are other credit cards that can match or exceed this

This card is meant for getting miles, not so much for redeeming vouchers

[goenitz33]

There is a limit of treat points right?

[Arcanell]

max 1million treats pts

[Thanatos_Wraiths]

swatchie wrote:

No its just 5x, which is equivalent to 2 miles per SGD spent. But must be billed in foreign currency with the exception of MYR, which is 0.8miles per SGD.

Er...where you got the info from? Did they revised it for MYR?

[Soon__]

Ok, I do not have the miles membership.

For overseas spending at USA, which card is the best?
Maybank Horizon, CitiBank Rewards or CIMB?

Hard CIMB has the lowest conversion rate? Cos SCB conversion rate quite high, $1.28 to $1

[Thanatos_Wraiths]

Soon__ wrote:

Ok, I do not have the miles membership.

For overseas spending at USA, which card is the best?
Maybank Horizon, CitiBank Rewards or CIMB?

Hard CIMB has the lowest conversion rate? Cos SCB conversion rate quite high, $1.28 to $1

Use Maybank Horizon card. 1% by Visa, 1.5% by Maybank.
The 5x treat points you get beats the 1% rebate from CIMB for overseas spending.

If you are on the RI program, you get 50% off redemption for certain items (limited to max 5K TPs after 50% discount)
E.g. 5K TPs (usual 10K TPs) for a $50 treat vouchers which can be used at many merchants.
To earn 5K TPs, you need to spend in equivalent of S$1K(5X TPs) of foreign currencies. That's an 5% rebate in form.
Yes, there are also smaller denomination of $10 and $20 treat vouchers at 1K TPs and 2K TPs in case you do not spend that much while overseas.

[swatchie]

Thanatos_Wraiths wrote:

Er...where you got the info from? Did they revised it for MYR?

I think it follows the RI benefits of 2X points for MYR? I've never charged my card in MYR so can't confirm.

Rewards-infinite > Cards > Personal > Maybank2u.com Singapore

[Thanatos_Wraiths]

swatchie wrote:

I think it follows the RI benefits of 2X points for MYR? I've never charged my card in MYR so can't confirm.

Rewards-infinite > Cards > Personal > Maybank2u.com Singapore

Oh, i almost forgot, yes its 2X TPs for most Maybank card with RI program for spending in Malaysia.
However, Maybank Horizon card reaps 5X TPs for spending on foreign currencies and is independent of RI program.

Maybank Horizon Plat Visa

So its is better to use the Horizon card instead of others Maybank cards while overseas, with exception of Family and Friends for spending for some merchants in Malaysia, (Petrol and Hyper market). its your pick of 5% with Family and friends or 2 miles with Horizon card.