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I wanted to do exactly the same a couple of weeks ago (adding a card to Apple Pay before the card arrived). Unfortunately Apple Wallet needs to capture a screenshot of the card and you need to enter the CVV (which you will not have till you receive the physical card).

Is this for SQ only, or is HSBC transfer rate to airlines? I have nominated Air Canada, and I am under the impression that it is 1:1 for the first $3k per month, and then 2:1 (uncapped). Is this not correct?

They are definitely able to, but the question is whether they are going to. Airlines in the past few years have intentionally started making this process a pain so as the disincentivise people maxing and matching flights (they match prefer to be your one-stop shop so as to monetise whatever data...

I have had opposite of your experience: physical AmEx being temperamental whilst ApplePay works flawlessly (where AmEx is accepted of course).

I will miss it unfortunately :-(

I have recent experience (on multiple occasions) when SQ sends a deadline for ticketing of the 'reserved' legs, even though the rest of the trip is on waitlist. If not ticketed in the timeframe provided, SQ proactively drops the reserved legs from the PNR! :-( On a couple of occasions I called...

Previously the entire booking would remain the int waitlist status till the waitlist is cleared or rejected. Recently, however, SQ seems to want me to book the available leg and then wait for the waitlisted legs. SQ has proactively set a deadline for booking and then drop the available leg from...

I see. Your calculation is not 'cost of points', it is your 'cost of paying your bill'. You end up being about $400 out of pocket for paying a $100,000 bill. You will not have any 'points' left as you would have liquidated the points to reduce your out of pocket cash.

I cannot quite follow how you got to the figure of 0.4%? Based on your example: "1.5% surcharge, ... ($100,000 ... spend is $1,500 of fee; 225,000 MR points...". If you transfer the MR points at 2:1, it equates to 112,500 points. That is about 1.1% for 'cost of points'.

I just Same here. 5000 points for a domestic travel.

SQ web site is not the best option to search for *alliance availability. Use United or other tools to search for availability and then call SQ to book. You might, for example, find availability to Paris via Frankfurt (e.g. Air India to FR and then Lufthansa to Paris; all on the same SQ award...

I tried it again just now (dry run for a A$10 transfer). Wise did not fair well:

Shouldn't you get access because of the class of travel (regardless of your status)?

I did a dry-run of a $1,000 transfer 2 days ago and CBA and NAB came out better than Wise! I just tried it now and Wise came out on top. So it seems I just need to time it right!

Now that Citi AUS is its last few days, I am in need to an international fund transfer system. Let me explain: I have bank accounts in both AU and US. There are (rather frequent) times I need to pay off bills in the US. I use my US bank accounts to pay off my US bills. Up until now I have used...

Amex Chase??!!

I believe they will only charge interest on the balance you carry on daily basis. Pending you have paid the balance of the previous statement in full, you get the interest-free period till the day of the next statement. So, I presume, you will only be charged interest on whatever the balance is...

I will very likely be there unless called in on short notice: Gold verging towards Plat.

Does anyone have experience in booking redemption seats in economy (using AC points, on TG metal), and then changing that to business if it opens up? Am I up to cancel the former and book the latter (attracting C$150 cancellation fee per passenger)?

Hallelujah; you speak the truth my man! :-)