I will be taking frequent trips to Malaysia and was recommended ERGO Travel protect for the yearly Asia plan by a friend but my question is, who knows if the premium is refundable for the per trip plan? Thank you. If Price competitive n good coverage for the yearly Asia plan. Purchased it because I travel mostly within Asia.
I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.
American Express Singapore Airlines KrisFlyer Ascend Credit Card / American Express International
I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.
American Express Platinum Card / American Express International
I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.
OCBC Titanium Rewards Credit Card / Oversea-Chinese Banking Corporation
Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.
HSBC Advance Credit Card / HSBC Bank Singapore
First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.
American Express Personal Card / American Express International
The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.
American Express Gold Card / American Express International
No Name
ERGO TravelProtect is very good for Malaysia and covers overseas medical expenses but the premium is refundable for the Annual Multi-Trip Plan, but not for the Per Trip Plan unfortunately. If you. But in the event that you need to extend your policy but unable to, they will extend your policy for up to 72 hours after the planned expiry date and will not charge you for it. Such circumstances include natural disasters, epidemics, pandemics, and civil unrest, airport and airspace closures.