[ML11]

Any opinions on Sketch? Got my Platinum recently and thought why not to try Michelin restaurant for the first time. I was thinking about lunch at the Glade.

[ML11]

MKB wrote:

DarrenS wrote:

I have Melia spend £300 get £75 credit. Does anyone have experience as to whether cumulative spend will trigger the offer, a la Hilton and IHG?

The terms specifically allow cumulative spend:
“Save to Card to get a £75 statement credit when you make one or more transactions up to £300+ in participating hotel(s) at Meliá Hotels & Resorts by 30/6/2023.”

Beware that there are very few participating properties. ME London is the only UK one.
https://www.americanexpress.com/content/dam/amex/uk/merchant/Melia_participating_list_Q2_23.pdf

Does “in-store only” mean that only transactions made in person at a hotel qualify for the offer? i.e. if I book and pre-pay my stay online, I will not received the credit?

[ML11]

Carlos wrote:

ML11 wrote:

-Amex offers better flight delay insurance but requires the payments made with an Amex card – annoying abroad

Shouldnt be annoying if you book in the UK or online before travelling? Do you mean any payments whilst abroad and delayed? They do not strictly require this but rather prefer it as they can access the statements easily.

For example 1.2 Cancelling, postponing and abandoning your trip exclusions state in 6) that „Travel and/or accommodation costs not purchased on the card account” are not eligible. This means that I have to suffer Amex FX rates and fees if I book anything in local currency or I do not get the coverage.
I find it hard to believe any insurer is not going to try to waive their liability in case I do not pay with the card which is strictly required for the coverage in T&Cs.

@JDB of course HSBC insurance is free but requires setting up the premier account which I am not going to do just to get the insurance. So for me it is really a choice of HSBC account with insurance + card or Amex.

[ML11]

Hi,
I am deciding between Amex Platinum and HSBC World Elite cards for lounge access. Can someone more knowledgable help me compare the insurance offered by Amex Platinum and HSBC Premier account (required to hold the card)? From my very brief research:
-HSBC covers the account holder and their family, Amex covers the card and supplementary card holders and their families (so potentially more people)
-Amex offers rental car insurance
-Amex offers better flight delay insurance but requires the payments made with an Amex card – annoying abroad

Can some point out anything else?
Thanks!