海外簽賬系列(碌卡?定俾現金?)

12月5日或之前投保安聯旅遊保險都有55折呀:flyformiles.hk/scb.ti

小斯成日都收到fans們既問題,就係問外國碌邊張卡好,有D仲誇張,話想申請張卡過外國碌足成年咁制!其實,海外簽賬係會有一個大約1.95%既手續費,所以有時碌卡冇賺之餘仲會蝕!讀會計出身既小斯就整佐個google doc,計你知對你自己黎講,究竟海外簽賬碌卡定係俾現金更抵啦!

首先,有幾多考慮因素:
1. 賺既回贈或者里數既價值一定要夠cover返果個1.95%既手續費
2. exchange rate方面,其實visa、master同銀聯都差唔多,只不過係銀聯冇手續費咁解;至於AE方面,因為佢會先將外幣轉做美金,再轉返做港紙咁結算,所以個exchange rate會超級唔抵
3. 換日本就要30000里,扣返500左右既稅,即係30000里價值2500蚊,即係1里大約係$0.083;咁當然你用黎換business就唔止呢個價啦!

只要大家計返自己心目中1里既價值,喺下面個google doc個到改佐里數價值個行數字,就會計到你儲里數定現金回贈會抵啲啦!

Google doc:https://docs.google.com/

其實大家可以睇到,基本上係要有4倍海外簽賬既優惠,先夠cover個手續費之餘仲有賺添;就連大家最愛用既DBS Black Master都比下去,所以,從呢個表可以睇得到,富邦同交行銀聯都係大家需要申請既卡之一。

另外,呢個表係冇計算到換里數既手續費。因為小斯覺得,換里數既手續費始終有個上限,呢個手續費只會影響到大家去揀換里數定係現金回贈,所以不在考慮因素之中。

希望呢個表幫到大家係海外簽賬時,會決定到碌卡定係直接用現金先抵啦!^^

渣打Worldmiles:http://flyformiles.hk/2943
DBS Black World Master:http://flyformiles.hk/3009
DBS Black AE:http://flyformiles.hk/?p=131
DBS Eminent Card:https://flyformiles.hk/3837
DBS Compasss Visa:https://flyformiles.hk/3827
Citi Prestige:http://flyformiles.hk/?p=154
Citibank PM:http://flyformiles.hk/2752
Citibank Rewards:http://flyformiles.hk/2838 
交行銀聯:http://flyformiles.hk/?p=638
富邦Titanium/Platinum:http://flyformiles.hk/2868
東亞Flyer World 信用卡:http://flyformiles.hk/2679
上商Titanium/Platinum:http://flyformiles.hk/?p=126
上商銀聯:http://flyformiles.hk/3150
HSBC:http://flyformiles.hk/?p=831
CX AE:http://flyformiles.hk/?p=2288
AE Blue Cash: https://flyformiles.hk/3224
建行eye card:http://flyformiles.hk/?p=1247
大新英國航空白金卡:http://flyformiles.hk/?p=715
大新聯合航空白金卡:http://flyformiles.hk/?p=256
大新ANA白金卡:http://flyformiles.hk/?p=176

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190 comments

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    • billy on August 20, 2014 at 9:39 pm
    • Reply

    如果用ae 卡買美元結算既野,即直接用美元買,買完用港紙找數又抵唔抵?

    1. 唔抵 因為冇一張AE可以著數到cover到個手續費
      你睇就就連5蚊1里都cover唔到個海外簽賬手續費

    • Karen on August 20, 2014 at 9:53 pm
    • Reply

    I thought Citibank PremierMiles offers 2% cash rebate on overseas transactions?

    http://www.citibank.com.hk/english/credit-cards/premiermiles-card.htm?intcmp=HKEHWACCPMC

    1. 你都可以咁理解 不過佢係扣旅費

    • BUTTER on August 20, 2014 at 9:54 pm
    • Reply

    係海外買野有時俾visa master會有折 5% 10%
    就算用上面所講蝕最多既卡(-1.35%)
    都仲有賺

    1. 係海外買野有時俾visa master會有折 5% 10%??
      例如呢@@? 我都好少見會有折@@

        • ngaiyan on August 20, 2014 at 11:16 pm
        • Reply

        好似韓國樂天duty free,白金visa或以上就會有5%-15% off

        1. 呀 你咁講我都醒起囉

        • BUTTER on August 21, 2014 at 1:33 am
        • Reply

        上年係新加坡環球影城買紀念品 用mastercard有5%off

        1. 咁真係好抵喎 @@

    • Stephen on August 20, 2014 at 10:11 pm
    • Reply

    我的哩數只會係用來換PREM ECON或以上的機票, 通常都係換BUSINESS, 所以我會用0.15/miles做計算。

    HKG – LHR P.E. $15780 (excluding tax)

    $15780/72000miles = $0.21/mile

    若果用黎飛LAX, 價值會仲高。

    1. YA!

    • PTGuy on August 20, 2014 at 10:15 pm
    • Reply

    小斯你好…但根據我的經驗…
    我覺得AE(未計手續費前) 個RATE係靚過VISA,MASTER先啱喎…
    最少我係泰國馬拉瑞士都試過…
    尤其係澳門…係唔使俾2% 匯率 1.029…兼當海外簽帳$4 Miles..
    希望可以分享俾其它都用AE的朋友…

    1. 尤其係澳門…係唔使俾2% 匯率 1.029…兼當海外簽帳$4 Miles..
      –>你指用AE???

      邊張AE???

      我覺得AE(未計手續費前) 個RATE係靚過VISA,MASTER先啱喎…
      –>你點計到??? 我check出黎都係靚少少咁多多, 但係永遠最後條數都係好貴

        • PTGuy on August 21, 2014 at 10:38 am
        • Reply

        尤其係澳門…係唔使俾2% 匯率 1.029…兼當海外簽帳$4 Miles..
        –>你指用AE???
        邊張AE??
        >>CX 灰卡

        我覺得AE(未計手續費前) 個RATE係靚過VISA,MASTER先啱喎…
        –>你點計到??? 我check出黎都係靚少少咁多多, 但係永遠最後條數都係好貴

        >>>我係去AE, VISA, 銀聯check currency到睇乍…我知AE 會charge 2% 其它VISA MASTER係1.9% or 1.95%..但我計過AE個currency rate反而cover到 0.05%
        例如. AE HKD兌澳門幣佢官網個Rate係1.05022…VISA係 1.0288…
        我實際AE月結單平時係1.028 (已含2% charge了)…

        有冇巴打可以分享下VISA MASTER去澳門碌卡個rate係幾多呢?

        1. 因為我都問過D brother 話AE個手續費好浮動-_-
          所以真係有D危險

          但單純咁check exchange rate我buy你ae的確係平D @@

            • mouse on September 17, 2015 at 10:57 am

            依我呢幾個月既經驗.
            AE係平過VISA
            我用AE經PAYPAL找美金數
            AE連手續費個RATE係7.75…….
            VISA RATE係7.91…….

            • 小斯 on September 17, 2015 at 11:35 am
              Author

            ae找美金係既

          • panda on August 21, 2014 at 2:13 pm
          • Reply

          我去澳門簽咭用中銀master, exchange rate 係 MOP1982=HKD1980.08, 超級搵笨, 仲要charge HK$18.81手續費.

            • PTGuy on August 21, 2014 at 3:27 pm

            咁有冇試過用DBS Black World Master係澳門碌卡?
            唔知抵唔抵呢?
            p.s DBS碌澳門幣唔計海外簽…所以可以睇到單純currency rate…

    • kim on August 20, 2014 at 11:00 pm
    • Reply

    小斯請問相等於可獲回贈%係點計?例如dbs同大新英航都係$4一里,成本都係1.95%,但係點解一個頭係1.9%叻一個係2.88%? 一個蝕0.05%一個賺0.93%? 未睇得明條formula,介意解釋吓點計嗎?咁係咪都即係海外普通簽帳嘅話用大新英航係抵啊?唔計銀聯…

    1. email扔佐個excel俾你慢慢玩

        • 喵喵 on August 21, 2014 at 1:52 am
        • Reply

        因為DBS用Asia Miles, breakeven pt係$0.076/mile.(上期個post)
        Dah Sing BA 用Avois, 假設飛東京,breakeven pt係$2300/20000Avois=$0.115/mile
        而家要海外簽帳earned mileage高過breakeven同手續費至有jetso.

        BTW小斯,如果下個月要look卡交學費,黎緊會去日韓旅行,近排出邊張新卡食迎新好?
        暫時未有銀聯卡,洗唔洗出返張CCB搭HSBC 交稅?
        已有富邦, BA, HSBC, SC executive, BEA, Aeon JCB

        1. 嘩 你D卡齊晒咁制啦喎
          出上商保良局囉~

          CCB銀聯都要出呀

        • kim on August 21, 2014 at 11:35 am
        • Reply

        玩完~ 唔該小斯,咁但係呢…….. 請問”=1/D15*0.115″裡面嘅0.115係咩?

        1. 里數既value 望去最右邊啦

            • kim on August 22, 2014 at 10:37 am

            明白,唔好意思,唔該晒!

            即係大新BA其實贏在起跑線上就係換飛比AM平吧

            • 小斯 on August 23, 2014 at 5:00 pm
              Author

            睇下換去邊到囉
            AM換歐洲咪會抵D囉

    • jessica on August 20, 2014 at 11:33 pm
    • Reply

    建行銀聯做緊10x海外簽賬呀

    1. 我冇計D ad-hon既promotion呀~

    • carina5434 on August 21, 2014 at 12:05 am
    • Reply

    hello 小斯,

    想問問, 你寫: ” 建行eye card (海外visa pay wave) “. 你的意思係一定要用pay wave功能碌卡至有5倍分, 定還是 係 visa pay wave 卡在海外碌卡就得呢….??

    1. 用pay wave功能碌卡至有5倍分

    • KT on August 21, 2014 at 12:27 am
    • Reply

    如果AE係迎新期內外海$3 一里咁用AE抵唔抵?

    1. 你可以睇下其實就算係3蚊1里既富邦 都係賺少少架喳 ><

    • Miles fan on August 21, 2014 at 8:22 am
    • Reply

    Does it mean that if I have the standard chartered priority banking visa, I don’t need the Standard Chartered world miles card? Since both are $5 per mile.

    1. yes same

    • Jason on August 21, 2014 at 9:07 am
    • Reply

    如果匯價比你兌外幣果陣跌2%, 其實已經乜都賺返. 所以我覺得先決條件係簽卡前先 check 當日匯率

    1. hahahaha 都係架~~

    • yan on August 21, 2014 at 12:34 pm
    • Reply

    很有用, 不如整個網購碌卡的summary

    1. @@ 都好

    • Chiccat on August 21, 2014 at 12:53 pm
    • Reply

    係台灣有個問題係好多時大城市至收卡,我係懇丁可以用到信用卡嘅機會係0, even 係一個大農場有成棟旅館都話唔收卡(⊙_⊙)

    1. hahahahahaa

      • KC on September 26, 2015 at 6:47 pm
      • Reply

      o岩o岩o係墾丁玩完
      check返我碌左卡o既地方大概有屈臣氏, 便利店同油站
      大概唔係連鎖o既都好難有機會簽咁
      連民宿都好多淨收現金

    • co on August 21, 2014 at 1:34 pm
    • Reply

    小斯,想請問一下,若我想申請一張銀聯咭,我應該選交行定建行嗰張好呢?我自己本身有H S B C白金咭,網上交建行銀聯咭數可賺分, right ?好似係2張都海外簽賬免收手續費的,我係咪應go for建行嗰張著數D呀?請指教!謝謝!

    1. 少用既話就建行啦 都唔會話差好遠既

    • ninjaxy on August 21, 2014 at 4:23 pm
    • Reply

    小斯,

    hsbc張 銀聯鑽石卡 配合埋 最紅自主獎賞 + 最紅星期5 又點睇?

    1. 咁咪正囉

        • ninjaxy on August 21, 2014 at 10:01 pm
        • Reply

        小斯,

        所以如果我想申請翻張 銀聯去旅行時儲下AM既話, 應該撿HSBC果張?

        同埋, 想請教下 如果有兩張 HSBC CREDIT CARD 換AM 係咪都只係比TOTAL HKD300 年費?

        1. 申請交行銀聯呀

          同埋, 想請教下 如果有兩張 HSBC CREDIT CARD 換AM 係咪都只係比TOTAL HKD300 年費?

    • Steven on August 21, 2014 at 4:36 pm
    • Reply

    V/M雖然手續費稍微便宜,但是很有可能有DCC的出現,DCC匯率是實際匯率加3-5%,而且不一定可以選原幣,反而不及AE肯定只有2%手續費。

    最近有新加坡朋友來港,用Visa簽被DCC,要求商戶改用港幣,但商戶不能改,只可以Void單,由我幫他簽,避免DCC。

    銀聯不收手續費還是比較吸引的。

    1. dcc有得自己揀架! 一定唔可以俾佢DCC佐你呀~

    • DICK on August 21, 2014 at 11:10 pm
    • Reply

    小斯
    請問可唔可以用HSBC 銀聯
    又可以免手續費,食唔食到最紅自主獎賞, 最紅星期五? (1.51蚊 1里)

      • Chiccat on August 22, 2014 at 1:28 am
      • Reply

      HSBC 銀聯有1%海外手續費

      1. thx

      • DICK on August 23, 2014 at 2:00 pm
      • Reply

      ?????

      1. ????

    1. 可以
      但係HSBC銀聯會有手續費收

        • Chiccat on August 24, 2014 at 7:59 am
        • Reply

        小斯,諗落扣咗1%手續費都仲有著數。不如試吓加落個表度睇吓啱唔啱?如果係啱,我下次旅行就去攞張匯豐銀聯,我一直都係揀「賞世界」。

        1. hahahahahaha 又係喎!!!

            • DICK on August 25, 2014 at 9:55 pm

            咁如果番大陸LOOK銀聯係咪一樣1%手續費?

            但要注意 如果係雙幣卡以人民幣找數既 就會當普通簽賬咁計
            1人仔1分

            • 小斯 on August 25, 2014 at 11:30 pm
              Author

            HSBC?????? 係呀

        • DICK on August 24, 2014 at 5:01 pm
        • Reply

        IC…………..我仲以為所有銀聯都免手續費tim……….

        1. 我小時候都係咁以為=_=

    • 小白領 on August 23, 2014 at 1:44 pm
    • Reply

    如果去澳門,用邊張卡比較好呢? 我得dbs black master, citi rewards, 仲有三張 AE…
    定係用返現金比較抵?

    1. 用現金

    • Chiccat on August 24, 2014 at 8:04 am
    • Reply

    小斯,可唔可以send 個表俾我?我想用$0.1/AM再計一次,tks 😉

    1. 岩岩send佐啦

    • joe on August 25, 2014 at 1:30 pm
    • Reply

    其實CITIBANK 張PM都可以換BA
    海外簽同大新都係一樣$4/AVIOS 1.95%手續費 換里數唔駛手續費

    1. 係~ 但係佢本地簽賬得8蚊1里><

    • HC on August 25, 2014 at 5:00 pm
    • Reply

    小斯

    請問:如要在海外保險公司網站以外幣online繳付保費,是否用fubon咭最好?謝謝!

    1. 呀! 睇你宜家有邊張卡啦
      富邦只係一張比較抵既卡, 但唔係最好
      你認真睇就個表就會明我講咩架啦

        • HC on August 25, 2014 at 11:47 pm
        • Reply

        我有Fubon, CCB Eye, Citi PM, DBS Black Master
        原本諗住用CCB Eye online 比,點知佢terms話「保險公司之保險計劃的保費」沒有額外積分。所以,以我有既卡黎講,好似用FUBON會賺到最多分(里)。

        1. CCB網上繳費淨係可以有基本既分架喳
          所以promotion都唔會enjoy

          繳費係富邦架啦 冇得輸

    • joe on August 26, 2014 at 1:05 am
    • Reply

    你依家講緊海外簽賬喎=-=

    雖然佢本地簽賬得8蚊1里但係佢既推廣一般係會比DS多
    成日都會有D 5%-15%現金回贈

    1. 係係係係-_-
      呢D咪就係個人preference既問題~~~

    • ray on August 26, 2014 at 1:20 am
    • Reply

    小斯 麻煩SD個EXCEL 比我參考下 Thanks!

    1. sent

        • joyce on August 26, 2014 at 1:29 pm
        • Reply

        May I have the excel file for calculation as well?
        Thanks.

        1. sent

            • MondayBI on September 9, 2014 at 10:49 pm

            I want too!

    • ray on August 26, 2014 at 1:23 am
    • Reply

    小斯, 如果只係 VISA/MASTER 海外簽卡又邊張抵D? (唔係亞洲區)
    係咪大新4蚊1里最抵?

    1. hAHAHAHAH 其實呢個表咪答佐你囉^V^
      HSBC呀

        • ray on August 26, 2014 at 7:46 am
        • Reply

        但限制左星期五 🙁
        我係用黎交學費(remote study university) 佢幾時收我唔知

        1. 計你submit個下架

            • Chiccat on August 26, 2014 at 11:22 pm

            記得計埋時差,我試過噉樣中招!

            • 小斯 on August 27, 2014 at 12:38 am
              Author

            例如???

            • Chiccat on August 27, 2014 at 12:03 pm

            There was a time I placed an order with an UK online store on Friday for HSBC x11 (at a time UK was already Friday also) and I paid with PayPal. But I guess the payment was processed by a PayPal office in US and the transaction date shown in my statement was a Thursday!!! I called HSBC and told them that I did time the payment at a time both HK and UK was on Friday but HSBC said no because the transaction date given by PayPal was a Thursday!!!

            Anyway, you are right that we can still get better deal with HSBC x6 though there is no guarantee that you get x 11 for online payment because you cannot control the payment processing time as ray said.

            • 小斯 on August 28, 2014 at 12:58 am
              Author

            我覺得係因為你用佐paypal pay既問題@@

            • Chiccat on August 28, 2014 at 8:13 am

            都唔係㗎,有D online store 係客落單嗰陣時,只係hold 住客人信用卡credit, 到shipment 嗰陣時至扣錢,個order 幾時ship你真係控制唔到,個x11唔易食。

            • 小斯 on August 29, 2014 at 1:43 am
              Author

            呀 我都明你講咩
            我之前玩渣打果個連續兩日簽賬然後俾多500分我果個又係咁
            之後我cap晒email俾佢證明我簽賬既時間係幾多 hahaha

            • ray on August 29, 2014 at 12:48 am

            我個學費係分期黎…所以係佢每個月第2日就扣我錢 唔係自己submit ><

    • kit on August 26, 2014 at 1:16 pm
    • Reply

    小斯, 請問我預訂樂天的日本酒店, 是否用eye card, 還是用富邦呢 ?

    1. eye card ^^

    • Harris on August 28, 2014 at 12:46 pm
    • Reply

    你好呀小斯。十分感激你D SHARE!!!
    我想比較一下現金同信用咭嘅分別,睇完你個計法,想問一問你呢個計法係咪ignore 左拎外幣ga cost 呢?
    因為我上次去泰國,check bloomberg, the hkd:Thai Baht was 1:4.19
    咁我係泰國ATM 用恒生銀聯提款卡提款啦,個rate 係 1: 4.12
    所以我就諗其實會唔會銀聯/恒都係有收我手續費呢(除左HKD20固定手續費)?
    如果我地consider 埋呢個手續費,會唔會都仲係要4X 我地先有賺?
    PS 我宜家有citibank reward (銀聯),富邦(TAN)(master),恒生enjoy 白金(visa)

    1. 想問一問你呢個計法係咪ignore 左拎外幣ga cost 呢?
      –>咁如果你係香港唱定咪冇cost囉^^

      所以我就諗其實會唔會銀聯/恒都係有收我手續費呢(除左HKD20固定手續費)?
      –>你唔可以用bloomberg比架喎-___- 因為我地正常人係拎唔到呢個rate架><

    • YY on August 29, 2014 at 3:07 pm
    • Reply

    siu c, can i hv the excel, pls? XD

    1. sent

  1. 小斯,十月我去Thailand 咁出咩卡好?

    1. 海外簽賬
      (1.52蚊1里) *HSBC (最紅星期五同最紅自主獎賞)要中類別
      (2.14蚊1里) 海外Visa Paywave:*建行Eye Card(賞即飛3倍 + Eye card 5倍)
      (2.14蚊1里) 網上海外簽賬:*建行Eye Card(賞即飛3倍 + Eye card 5倍)
      (2.78蚊1里) *HSBC(最紅自主獎賞)
      (3蚊1里) *富邦Titanium/Platinum(台灣簽賬$0.6 1里、日韓$1.5 1里)、*Eye card(以Visa payWave功能所作之交易)
      (4蚊1里) DBS Black World Master、DBS Black AE、Citi Prestige、Citibank PM、東亞world master、CX AE(美國運通國泰航空尊尚信用咭)
      (5蚊1里) *渣打AE + *渣打優先理財(由5月2日起)+ *建行Eye Card(非網上海外簽賬 – 賞即飛3倍)
      (5.33蚊1里) CX AE(美國運通國泰航空信用咭)
      (6蚊1里) *交行銀聯(單一簽賬$300以上)
      (8蚊1里) *東亞白金(6月30日起唔能夠換里數了)、*上商Titanium/Platinum

      最抵一定係宜家HSBC新出個張visa signature

    • janbubuzz on September 11, 2014 at 10:48 am
    • Reply

    我想問如果我係美國網站買野, 用美金結算, 如果用國泰ae 卡比錢, 滙率會唔會唔低呢??

    1. fans們話美金個rate係OK既

    • Jason on September 18, 2014 at 10:47 am
    • Reply

    小斯會唔會考慮改良上面個表, 加埋以下項目同預先兌換的現金及碌Visa/Master比較?

    – 銀聯提款卡 ATM 提取現金
    – 擦銀聯提款卡
    – 擦銀聯信用卡

    我下月去日本, 我都想比較下 (假設未考慮匯率因素) 以上5個途徑邊個付款最抵

    1. @@
      咁樣好難比架 因為係講緊exchange rate既問題

        • Jason on September 18, 2014 at 1:34 pm
        • Reply

        又係你話 “2. exchange rate方面,其實visa、master同銀聯都差唔多,” o既?
        所以咪想睇下淨係比較回贈同手續費邊樣抵D囉….

    • ke on October 31, 2014 at 4:37 pm
    • Reply

    如果無日日睇注有咩prom,又無hsbc5x,估計都係用曬富邦最好。。。。

    1. 係呀~

    • Jeannie on December 9, 2014 at 2:33 am
    • Reply

    小斯你好,

    我1月份會去日本,睇咗你幾篇blog,shortlist咗:
    1. 富邦白金卡
    2. 交行雙幣銀聯卡
    3. AEON JCB卡

    因為以前申請落啲卡都冇留意到儲里數咁重要嘅用途,所以今次想問吓你意見,想有以下Criteria:
    – 去海外/日本消費較抵或免手續費
    – 可以較抵儲里數

    希望仲趕得切申請啦,麻煩晒!

    1. 呢三張都ok
      但係我覺得其實海外簽賬最抵係申請hsbc然後將5X都塞晒係海外簽賬到

    • Thomas on December 20, 2014 at 7:37 pm
    • Reply

    can you share the excel file to me too?? thanks!

    1. lol 我整唔見佐XD

    • ki on December 30, 2014 at 1:55 pm
    • Reply

    小斯,
    我一月份去日本, 將會有大額簽帳
    1. HSBC白金 $ 500 以上 $100 有5 RC (我冇set 海外 5x ) max $400 , 即係我簽$8000 已爆
    2. 富邦白金 上限 ( extra 80000分) , 即係我簽$ 20000 已爆
    3. 假設我仲有 $60000 野要簽, 用咩咭好?
    ~CCB 銀聯再用HSBC 找
    ~AE AMEX elite
    ~BEA/DBS black
    (我仲有dbs eminent, compass visa, BOC gold, )

    麻煩小斯

    • Li on January 7, 2015 at 7:31 pm
    • Reply

    小斯,請問有咩卡for 空姐,成日外地shopping,最近想出張銀聯,有冇好推介? 本身有中銀銀聯debit card, enjoy,bea master, citi debit card,thanks

    1. 銀聯出交行銀聯
      成日外地shopping建議申請張hsbc,然後將最紅自主獎賞放晒落外幣到

        • Li on January 9, 2015 at 12:39 am
        • Reply

        請問係米hsbc signature?咁係米annual free 要年年打去先wave,未換miles係米年尾要cancel?我仲係好confused

        1. yes,要年年打過去waive

          未換miles係米年尾要cancel?
          –>???? 唔明你問乜

            • Li on January 9, 2015 at 1:26 am

            即係300蚊手續費換miles個個佢係米年年charge?如果冇redeem,我洗吾洗打去cancel? 仲有我用緊enjoy俾八達通,轉落邊到好可以草埋里數?

            • 小斯 on January 9, 2015 at 1:44 am
              Author

            即係300蚊手續費換miles個個佢係米年年charge?
            –>係!所以用個年先join,唔用個年就cancel

            轉落邊到好可以草埋里數?
            –>bea flyer world

    • Li on January 9, 2015 at 1:47 am
    • Reply

    如果Bea 我申請埋jcb有冇衝突架

    1. 無,我都係兩張都有

    • Li on January 9, 2015 at 2:04 am
    • Reply

    其實如果我要交100k 學費,分期,賺cash dollar 定草miles抵唸d,同埋開邊張卡好?
    另外我唸住開hsbc signature 海外消費,之後再開多個建行預備交稅
    開交行雙幣銀聯去日韓,Bea JCB 因為入lounge同日本有時有d promotion 咁
    最後八達通啊平時香港出街食飯買野個d 我想集中一個,草cash dollar 定miles 划算?
    麻煩你啦!我宜家enjoy ,bea i titanium都有分期. Boc,citi,hangseng都有debit account, boc出糧有咩可cut? 太多又好煩

    1. 100k 學費,分期,賺cash dollar 定草miles抵唸d,同埋開邊張卡好?
      –>學費富邦

      賺cash dollar 定草miles抵唸d
      –>miles

      開交行雙幣銀聯去日韓,Bea JCB 因為入lounge同日本有時有d promotion 咁
      –>點解唔用富邦?

      最後八達通啊平時香港出街食飯買野個d 我想集中一個,草cash dollar 定miles 划算?
      –>miles

      我宜家enjoy ,bea i titanium都有分期. Boc,citi,hangseng都有debit account, boc出糧有咩可cut?
      –>轉用bea flyerworld 啦!

        • Li on January 9, 2015 at 3:40 pm
        • Reply

        即係富邦交學費,去日韓
        Hsbc 去外地
        建行搭hsbc 交稅
        Bea flyerworld 八達通平時食飯
        Bea jcb 入lounge?

    • Sandy on January 15, 2015 at 9:04 am
    • Reply

    Dear 小斯,
    same question, please !!

    小斯,
    我一月份去日本, 將會有大額簽帳
    1. HSBC白金 $ 500 以上 $100 有5 RC (我冇set 海外 5x ) max $400 , 即係我簽$8000 已爆
    2. 富邦白金 上限 ( extra 80000分) , 即係我簽$ 20000 已爆
    3. 假設我仲有 $60000 野要簽, 用咩咭好?
    ~CCB 銀聯再用HSBC 找
    ~AE AMEX elite
    ~BEA/DBS black
    (我仲有dbs eminent, compass visa, BOC gold, )

    麻煩小斯

    1. 用DBS BLACK或者用cash啦!
      你剩返堆卡都回唔到個手續費

    • Vincent on February 1, 2015 at 1:34 am
    • Reply

    小斯可不可 e mail 個 excel 來玩?仲有想問個 exchange rate是不是 +左1.95%先咁高?因在看rate 時 好似 v/m 是 0.06675 up 是 0.0661 thanks~

    1. 仲有想問個 exchange rate是不是 +左1.95%先咁高?
      是的

      email send俾你呀

    • Cecily on March 17, 2015 at 4:12 pm
    • Reply

    想問如果係HK用海外網站買野當係海外簽帳嗎? e.g. 淘寶, Gmarket, Zalora, Amazon
    同埋如果呢D簽帳, 用邊張卡抵D?
    我而家有CX Elite同東亞flyer world?
    定你都建議我申請富邦用黎係呢D網站買野?

      • Cecily on March 17, 2015 at 4:13 pm
      • Reply

      仲有申請BEA flyer world時佢俾埋張銀聯卡我! 定用個張抵D?

      1. 張銀聯可以ignore佢

    1. 計外幣就係海外簽賬
      用富邦~~

        • Chris on March 19, 2015 at 9:45 am
        • Reply

        咁如果用匯豐張銀聯卡碌網上嘅海外簽賬又駛唔駛計個1%手續費?

            • chris on March 20, 2015 at 8:20 am

            咁如果我揀左賞世界加星期五簽,網上簽係咪都一樣計11X分?定係要底單先計?

            • 小斯 on March 20, 2015 at 11:38 pm
              Author

            網上都計,係外幣就得

            • chris on March 21, 2015 at 12:08 am

            thx!

    • fafa on March 29, 2015 at 10:00 pm
    • Reply

    復活節去澳洲,簽BEA flyer world 定大新ANA 抵啲呢?

    Thanks.

    1. 無得咁比架喎!你想儲asia miles就簽bea,想儲ana mileage就簽ana
      兩樣根本唔同既野黎,無得咁比!

    • kaka on May 3, 2015 at 7:48 pm
    • Reply

    小斯,想問六月去英國出邊張卡抵呀?
    我已有hsbc, 富邦,東亞,交通
    Thx

    1. 富邦呀!
      如果你hsbc揀佐6倍係外幣就用hsbc

    • mabel on June 9, 2015 at 4:14 pm
    • Reply

    Dear小斯,
    我準備七月去日本,本身無銀聯卡,但好似用銀聯卡在日本消費會有優惠,所以想申請一張
    請問哪一間銀行的銀聯卡比較抵用?
    Thanks!!

    1. 上商銀聯
      上商銀聯:http://flyformiles.hk/3150

    • Chloeee on August 14, 2015 at 2:36 pm
    • Reply

    Hi 小斯,
    如果就去歐洲,係咪用銀聯卡好著數d?我未申請,請問邊間銀行好?
    本身有 cx ae card 同 citi premier miles
    Thank you!

    1. 銀聯有折就好用囉!
      上商銀聯:http://flyformiles.hk/3150

    • Dennis on September 23, 2015 at 11:39 pm
    • Reply

    小斯, may u send me the excel??

    另外, 我有上商既銀聯….想問下同交行果張有咩唔同????

    1. 我岩岩整返啦
      無事架啦
      上商個張抵啲

    • San on September 26, 2015 at 12:49 am
    • Reply

    小斯,如果AE cx card有promotion做到$3一里,咁情況用佢簽外幣又抵唔抵呀?

    1. ok 回到本

    • Dennis on September 27, 2015 at 10:20 pm
    • Reply

    小斯:
    Thanks!!!,

    想問下你, 如果我要幫人係日本買金撈 (around 60000 hkd), 除左fubon, 上商銀聯之外, 你重有咩suggestion??? (因為fubon 既8倍日本消費, 好似最高係20000蚊….// 上商銀聯, 我limited 唔多….

    Even 我look 到盡, 都仲要look 多30000多…..你有咩好建議

    我有以下card:
    Hsbc signature
    上商銀聯
    富邦白金
    Dbs black ae, and master
    建行eyes visa (已拎盡佢今年既380000 分了)
    渣打AE
    大新 (Ba, UA, ANA)
    Aeon (JCB)
    Citibank (visa)

    1. signature咩類別?
      最好當然係用signature

    • Bernard on September 28, 2015 at 11:04 pm
    • Reply

    Thank you for this. Can you explain how you come up with the percentage on column F? If I redeem my tickets on Business or First class, then it is worthwhile. Is that correct?

    1. F個行係你自己計出黎
      當然你換Business同first class就唔使計都知係抵啦!

    • Sunsunsunsunsun on October 5, 2015 at 6:17 am
    • Reply

    小斯,新開左張CX AE 綠色卡,迎新海外簽3蚊1里,黎緊去20日日本,用黎比酒店同買電子野抵唔抵?

    1. 迎新期內都ok

    • Sunsunsunsunsun on October 5, 2015 at 6:20 am
    • Reply

    我手頭上都有HSBC VISA and CX AE,兩張都仲有迎新,用邊張去日本簽酒店好?

    1. hsbc果個迎新都叫迎新呀?
      簽佐ae先啦

    • Sunsunsunsunsun on October 5, 2015 at 6:21 am
    • Reply

    我都想要excel玩下

    1. 你就係禁就得架啦

    • Christy Chan on November 19, 2015 at 4:14 pm
    • Reply

    小斯 麻煩SD個EXCEL 比我參考下 Thanks!

    1. email ask me pls
      [email protected]

    • Arthur on December 3, 2015 at 4:35 pm
    • Reply

    小斯你好 🙂

    因為成曰唔係香港,所以想出張卡做海外簽賬,交外國學費,生活費咁(usually Australia) Citibank PM 定 prestige 會儲miles 儲得快啲??? 定建行個張最好?thanks!

    1. 長期係外國就用hsbc visa signature啦

    • GG on January 8, 2016 at 11:36 pm
    • Reply

    DBS Eminent Card:https://flyformiles.hk/3837 條link死左

    1. 係呀!個member get member有問題
      我打佐去啦,佢話宜家無member get member
      所以我宜家開返個post了

    • JOE on January 14, 2016 at 9:40 pm
    • Reply

    hi 小斯,

    如果我online 買野多一般都係美金同歐羅應該用邊張好???

    1. 建行eye card:http://flyformiles.hk/?p=1247

    • Gary on April 27, 2016 at 12:00 pm
    • Reply

    個里數價值唔係好識睇,點解有D係1,有D係0.07,有D係0.15

    1. 係計出黎既
      唔同地方唔同價值

        • Lily on June 24, 2016 at 5:24 pm
        • Reply

        請問個里數價值可以點計算出黎架? 請指教!!
        Thank you.

        1. 換日本就要30000里,扣返500左右既稅,即係30000里價值2500蚊,即係1里大約係$0.083;咁當然你用黎換business就唔止呢個價啦!

    • Sandy on July 7, 2016 at 11:29 am
    • Reply

    請問FUBON 10分>1 ASIA MILE —>15分>1 ASIA MILE,附表已反映這改變?

    1. 沒有
      放棄富邦啦

    • Jess on August 21, 2016 at 1:39 am
    • Reply

    小斯~~ 想請問下將會去日本可以簽大約$10000酒店,有hsbc visa signature見佢好似做緊最紅旅遊優惠額外10X(本身最紅家居),但而家都想申請CX AE或渣打Asiamiles食迎新,咁應該照用visa signature簽定申請新卡食迎新好?
    另外我仲有DBS Eminent同DBS Black AE, 應該無vs或新卡食迎新咁好吧?
    請指教, Thanks!!!

    1. 有hsbc visa signature見佢好似做緊最紅旅遊優惠額外10X(本身最紅家居)
      –>要係喺日本當地簽先計喎,網上唔計

      咁應該照用visa signature簽定申請新卡食迎新好?
      –>食迎新

      另外我仲有DBS Eminent同DBS Black AE, 應該無vs或新卡食迎新咁好吧?
      –>梗係食迎新

    • Noelle Lam on October 1, 2016 at 10:23 am
    • Reply

    本身有hsbc signature同銀聯卡,最近申請埋渣打asia miles食迎新 (想問渣打係expedia簽計唔計落7500蚊入面嫁?book 左package.)
    以上有冇邊張抵用嚟台灣簽帳? 定用晒現金算數好?
    Thank you ?

      • Noelle Lam on October 1, 2016 at 10:25 am
      • Reply

      Signature係揀左飲食
      個時唔識揀?

      1. 揀佐飲食都有10倍既

    1. 想問渣打係expedia簽計唔計落7500蚊入面嫁?book 左package.
      –>計

      以上有冇邊張抵用嚟台灣簽帳?
      –>hsbc visa signature
      最抵係佢

    • Elle on October 22, 2016 at 5:43 pm
    • Reply

    請問去日本用以下card 邊張好?Thanks!!

    DBS Black MC
    建行eyes Visa + 銀聯卡
    渣打Asia Miles MC + 銀聯卡
    東亞 World Flyer MC + 銀聯卡
    中銀 Diamond 銀聯卡

    1. DBS Black MC + 銀聯卡

    • Kirara on November 21, 2016 at 3:44 pm
    • Reply

    請問去12月去日本用以下card 邊張賺多D里數同手續費少D?預計碌HK$10000左右

    已有
    DBS Black MC
    渣打Asia Miles MC + 銀聯卡
    Citibank Diamond 銀聯卡

    想申請
    CX AE
    東亞 World Flyer MC

    1. DBS Black MC

    • FiFi on December 12, 2016 at 6:30 pm
    • Reply

    小斯,

    請問如果我張CX AE有迎新優惠2蚊=1里數,
    去外地用呢張咭OK嗎??

    1. ok ge

    • PECKY on July 5, 2017 at 11:44 am
    • Reply

    你好丫,我想問問呢,我\黎緊會去東京,我想問呢用邊張信用卡會抵D,DBS係唔係有海外簽帳4倍丫?!
    同埋我睇左小斯你個EXCEL,但唔係好明,富邦係邊張卡抵用丫?!我有富邦個張一田卡,咁佢有冇海外簽帳既優惠丫?!
    麻煩你。

    1. 我有富邦個張一田卡,咁佢有冇海外簽帳既優惠丫
      –>無

      用HSBC visa signature

        • pecky ng on July 12, 2017 at 9:54 am
        • Reply

        咁DBS Black World Master呢?!佢係咪有海外簽帳架?!
        我冇HSBC VISA


        1. 4蚊1里

    • Anderson on November 27, 2017 at 12:37 pm
    • Reply

    12月去美國玩簽賬,想問申請HSBC銀聯卡定交行銀聯定系DBS現金回贈(或者SC的新現金回贈卡)呀?

    thx

      • Anderson on November 27, 2017 at 12:42 pm
      • Reply

      補充信息:宜家有
      1. 渣打worldmiles
      2. BEA flyer
      3. HSBC Platnium VISA

    1. 3. HSBC Platnium VISA <--揀海外做類別 當然你開多張hsbc銀聯黎食迎新都好

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