Hello,
I am recently offered a Regalia Gold Upgrade (first year free and chargeable from the second year) and an American Express Platinum Travel Card. My annual spends is 3-4L. Which will provide me the best reward rate on my spends
Regalia Gold with Smartbuy or Amex with ATOT.
How is the redemption from ATOT is different from Smartbuy?
Which is the best ?
Also, which will provide me best reward return?