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Chin Guo Qiang (CSM / CAL / ITIL4)
Edited 26 May 2022
Principal Engineer at Defence Science & Technology Agency
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Had this card before in 2016, wasn't the best and HSBC looks at people diferently and filter the richer ones (hence HSBC Premier and better CS), overall still not too bad.
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P.S: This card has a perpetual lifetime annual fee waived as of now. :)
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P.P.S : This card 4MPD is capped at $1,000 monthly spending, free dining deals of HSBC inclusive.