Tag Archives: artificial-intelligence

How Accurate Is FREE AI In Determining The Best Credit Card To Suit Your Spending Pattern? Part 1

Since December 2023, I have been telling you all that the Maybank 2 Cards Premier had become kind of useless after Maybank revised their AMEX Reserve to earn 2X Treats Points for Local Spending. And since then they have inflated their Treats Points Redemption Program for Air Miles.

However, since practically everyone is using AI, I thought I should also use AI to determine if I missed out anything that may be beneficial with the Maybank 2 Cards Premier, so I used FREE ChatGPT to check and below is the answer I got:

Question: What are the Benefits of Maybank 2 Cards Premier

ChatGPT’s Answer:

The Maybank 2 Cards Premier offers a comprehensive suite of benefits tailored for frequent travelers, dining enthusiasts, and golf aficionados. Here’s an overview of its key features:

💳 Rewards & TreatsPoints

  • Bonus Points: Earn 10,000 TreatsPoints upon your first spend as the principal cardholder.
  • Earning Rates:
    • 5 TreatsPoints per RM1 on overseas spending.
    • 2 TreatsPoints per RM1 on local spending.
    • 1 TreatsPoint per RM1 on utilities, education, insurance, and EzyPay.
  • Air Miles Conversion: Convert 10,000 TreatsPoints to 1,000 Enrich, KrisFlyer, or Asia Miles. (GenX’s comments – this is not updated as Maybank inflated their Treats Points Redemption Reward Progran for Air Miles again in early 2025).
  • Validity: TreatsPoints are valid for 3 years.

✈️ Travel Benefits

  • Travel Insurance: Complimentary coverage up to RM1 million for accidental death and disablement when you charge your full airfare to the card.
  • Travel Inconvenience Coverage: Includes compensation for delayed or lost luggage and missed flights.
  • Airport Lounge Access: Enjoy 5 complimentary visits per year to participating Plaza Premium Lounges globally.

🍽️ Dining Privileges

  • Shangri-La Kuala Lumpur: Up to 50% off dining, depending on the number of diners.
  • Marriott Bonvoy Hotels & Resorts (Malaysia): Up to 40% off food and non-alcoholic beverages.
  • Additional Discounts: Up to 20% off at participating restaurants and 10% off alcohol bottles at select venues.

⛳ Golf Privileges

  • Complimentary Green Fees: Access to over 70 golf clubs worldwide, including 17 in Malaysia.
  • Guest Discounts: Your guest receives a 10% discount on green fees.
  • Booking Requirements: A minimum spend of RM3,000 in the previous month is required to make golf bookings.

💼 Fees & Eligibility

  • Annual Fee: Waived for the first year. Subsequent years waived with a minimum annual spend of RM80,000; otherwise, RM800 is charged.
  • Minimum Income Requirement: RM8,333.33 per month.
  • Interest Rate: 15% per annum.
  • Interest-Free Period: Up to 20 days. (GenX’s comment – did is not accurate as you can get up to 40+ days interest free).

⚠️ Considerations

  • Air Miles Conversion Changes: As of May 2024, the conversion rate for TreatsPoints to air miles has been adjusted, potentially affecting the value of accumulated points. GenX GenY GenZ+8 (GenX’s comments – See, ChatGPT also got their info from yours truly, haha. However, this is not updated as Maybank inflated their Treats Points Redemption Reward Progran for Air Miles again in early 2025).

In respect to Chat GPT answer, as you can see it is very general unlike my articles related to Maybank 2 Cards Premier where I will tell you that today we only earn 1 Air Mile (Enrich Point or KrisFlyer Mile or Asia Mile) with every RM6.25 spent with 2X TP.

Conclusion – you better visit http://www.GenXGenYGenZ.com frequently to be updated on news related to your personal finance matters.

What about Maybank Singapore Airlines KrisFlyer AMEX? I asked ChatGPT again…

Question: What are the Benefits of Maybank Singapore Airlines KrisFlyer AMEX Platinum?

ChatGPT’s Answer:

The Maybank Singapore Airlines KrisFlyer American Express® Platinum Credit Card offers a range of benefits tailored for frequent travelers, particularly those loyal to Singapore Airlines and its partners. Here’s an overview of its key features:

✈️ Travel & Airline Benefits

  • Bonus KrisFlyer Miles: Earn 7,000 bonus KrisFlyer miles upon your first card spend.
  • Accelerated KrisFlyer Miles Accumulation:
    • 1 mile per RM2.50 spent locally
    • 1 mile per RM2 spent on online and overseas transactions
    • 1 mile per RM1 spent on Singapore Airlines, Scoot, and KrisShop websites

Fast Track to KrisFlyer Elite Gold Status: Spend RM35,000 on Singapore Airlines Group-related transactions (Singapore Airlines, Scoot, KrisShop) within the first year to achieve KrisFlyer Elite Gold status, which includes Star Alliance Gold benefits like priority check-in and lounge access.

🏨 Lifestyle & Travel Perks

  • Complimentary Lounge Access: Enjoy 5 complimentary visits annually to Plaza Premium Lounges worldwide.
  • Golf Privileges: Receive 4 complimentary green fees per year at selected golf clubs, with 10% off for guests.
  • Dining Discounts: Up to 50% off dining at Shangri-La Kuala Lumpur and up to 40% off at participating Marriott Bonvoy Hotels and Resorts in Malaysia.
  • Airport Services: Discounted FastTrack VIP Airport Meet & Greet services at selected airports globally.

💳 Card Details

  • Annual Fee: RM300 (waived in the first year)
  • Minimum Monthly Income Requirement: RM5,000
  • Additional Cardholder Fee: Waived

🎁 Current Promotions

  • Win 280,000 KrisFlyer Miles: Spend RM48,000 (local) or RM48,000 (overseas) within the campaign period (15 Nov 2024 – 15 Feb 2025) to earn entries for a chance to win 280,000 KrisFlyer miles.

This card is ideal for frequent travelers who prefer Singapore Airlines and seek to maximize their travel rewards through KrisFlyer miles. If you need assistance with the application process or further details, feel free to ask!

In respect to Chat GPT answer, once again as you can see it is very general as it kind of repeats what is already stated at Maybank website unlike my articles.

Click here to my review of the Singapore Airlines KrisFlyer American Express® Platinum Credit Card Review 2025 and learn where you can use your AMEX to earn more KrisFlyer Miles automatically credited into your KrisFlyer Account.

CONCLUSION

AI, ChatGPT in particular, is still nowhere near my comprehensive one-stop unbiased credit cards reviews to assist my readers on what credit cards they should hold based on their spending pattern.