Personal credit cards?

[daniels27]

Ok. I have to add two friends. Only makes sense if you travel very little on oneworld but still want Sapphire status or you want AA miles.

Brazil AA 5 miles per dollar spent

El Salvador 2 miles per dollar spent

You need 75k miles for Sapphire (AA: Platinum, BA: Silver and Gold otherwise) and 125k for Emerald (AA: Platinum Pro wtf, BA: Gold and Platinum otherwise).

When 5x miles, you silly only have to spend 15k for Sapphire but will list on bank fees etc. But could still be worth it if you want to get a residency there.

 

[Forester]

daniels27 said:
If you live in Kazakhstan
https://halykbank.kz/index.php/en/card/diamond

4% cash back but only on Kazakhstan on Halyk terminals (most terminals are Halyk as it is the biggest bank).
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🙂 Good.

Just a tiny correction, from what I see

daniels27 said:
https://halykbank.kz/index.php/en/card/diamond
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It's a debit card, not a credit one.

daniels27 said:
4% cash back but only on Kazakhstan on Halyk terminals
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if you pay with smartphone (Apple Pay, Samsung Pay and Google Pay).
Otherwise up to 1% and note a 11 pages document with exceptions 😉 😉 https://halykbank.kz/storage/app/media/Bonus/ENG_Bonuses_Halyk.pdf

Just to have some fun 🙂

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[daniels27]

Forester said:
🙂 Good.

Just a tiny correction, from what I see

It's a debit card, not a credit one.


if you pay with smartphone (Apple Pay, Samsung Pay and Google Pay).
Otherwise up to 1% and note a 11 pages document with exceptions 😉 😉 https://halykbank.kz/storage/app/media/Bonus/ENG_Bonuses_Halyk.pdf

Just to have some fun 🙂
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Yes. Debit card. Better as you won't get credit there anyway. Costs 5000 KZT per month, is multi-currency and comes with 1 distinct IBAN per currency. But hey, we all like the country with camel milk.

I feel tempted to open it.

Last edited: Dec 28, 2024

 

[Forester]

daniels27 said:
Costs 5000 KZT per month,
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Not bad, in general (<10 USD).

daniels27 said:
1 distinct IBAN per currency.
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Interesting. 3rd party payments allowed (as it is connected to multi-currency account), I presume?
Plus free worldwide withdrawal up to 1000 USD per month and airport VIP Lounges.

daniels27 said:
But hey, we all like the country with camel milk.
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🙂

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[daniels27]

I can also recommend this one
https://eubank.kz/visa-infinite/?lang=en
Also a debit card, comes with 2% on Google, Samsung and Apple pay, unlimited Dragon Pass for only 4000 KZT per month, free if you deposit 5M tenge in their deposit account at 13.8% interest, fully insured up to 20m KZT.

Last edited: Dec 28, 2024

 

[daniels27]

Nigital Domad said:
How about for citizens/nationals of Fiji (but who do business / have bank accounts in EU)? For China, can you only apply for a card if Chinese? Or will they take any applicant (if so, which cards are good to apply for? Perks/benefits are less important just being able to have/use a personal credit card around the world (not in US).
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If you have a resident permit in the EU, you can get a credit card there. Otherwise, there are debit cards available.

 

[mytoofood]

ilke said:
As a Europoor, I somehow neglected the possibilities and advantages of credit cards - however, upon re-domiciling myself quite a few years ago, and also using US LLCs for some purposes, I found them to be incredibly useful.
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any use case examples? you may post a thread inside mentor group gold if you don't want to post it here to reduce the number of views! I'm interested to learn som anonymous use cases for such US LLC's.

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[daniels27]

mytoofood said:
any use case examples? you may post a thread inside mentor group gold if you don't want to post it here to reduce the number of views! I'm interested to learn som anonymous use cases for such US LLC's.
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What is he referring to with "them"? I thought he was talking about the credit cards. Hence I posted quite a lot here. May post more in mentor good another time.

 

[Forester]

mytoofood said:
any use case examples? you may post a thread inside mentor group gold if you don't want to post it here to reduce the number of views! I'm interested to learn som anonymous use cases for such US LLC's.
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Be advised that credit cards are never anonymous ”“ and cannot be (I presume you would also need to know who, personally /any card has its user/, is owing you money 😉 )

daniels27 said:
What is he referring to with "them"? I thought he was talking about the credit cards.
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For sure 🙂
@ilke speaks English well and definitely knows how to structure a complex sentence 😉

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[SCHLOSSFINANZ]

my personal favorite is

https://www.cardless.com/cards/avianca/lifemiles

Applied with ITIN

 

[nobel]

Too good to be true. None of the cards recommended here can be obtained by anyone who does not live in the country where the card is issued. I have been trying for 2 years to get a card with unlimited airport lounge access, no chance.
Unfortunately my bank Swissquote does not offer a VIP credit card, I can't even get the normal Swissquote credit card, only on the waiting list. It's hopeless. bor&%#

 

[daniels27]

nobel said:
Too good to be true. None of the cards recommended here can be obtained by anyone who does not live in the country where the card is issued.
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I can confirm that the cards from Kazakhstan can be obtained without residency. If you want a physical card, you may want to go there to pick it up.

Quite some US cards can be obtained without any residency requirements (all that accept ITIN). A local address is an advantage as most systems only work domestic. You may want to use some hotel to live.

 

[cryptofriendly]

daniels27 said:
I can confirm that the cards from Kazakhstan can be obtained without residency. If you want a physical card, you may want to go there to pick it up.

Quite some US cards can be obtained without any residency requirements (all that accept ITIN). A local address is an advantage as most systems only work domestic. You may want to use some hotel to live.
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Don't you need an IIN from NJSC/PSC first, to open an account there?

 

[bizman]

It's difficult to get such cards!

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[cryptofriendly]

Talking about credit cards and debit cards, I stumbled over this provider today,
offering Lao sourced cards and offshore accounts and mentions crypto as well, all without any need to visit the country.

The provider himself seems to be based in CZ, and looks a little dodgy for my own taste,
but I'll ask regardless: does anyone have experience with this one?

https://xexon.io/xexon-card/

UPDATE: I ran the domain through WHOIS and got some other 'gems' registered by the same LLC (not the CZ one), so I guess it's better to keep away.

Last edited: Dec 29, 2024

 

[daniels27]

bizman said:
It's difficult to get such cards!
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Which ones?

 

[daniels27]

cryptofriendly said:
Don't you need an IIN from NJSC/PSC first, to open an account there?
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Yes. And for that, you need a notarised passport translation. DM me for details.

 

[cryptofriendly]

Got down the rabbit hole and found something really interesting, even almost a bit too good to be true.

But it seems real enough for me, and I am so excited that I will actually skip new year celebrations, get on a plane, and visit the bank in person next week. I'll report back next weekend (I hope).

Really low fees, no CRS, easy to open the account with just with a passport copy and phone number, choice of visa / unionpay card, mobile app. It's a real bank that was established 35 years ago, and still going strong.

And the best part of their offerings:

 

[JohnnyDoe]

cryptofriendly said:
Got down the rabbit hole and found something really interesting, even almost a bit too good to be true.

But it seems real enough for me, and I am so excited that I will actually skip new year celebrations, get on a plane, and visit the bank in person next week. I'll report back next weekend (I hope).

Really low fees, no CRS, easy to open the account with just with a passport copy and phone number, choice of visa / unionpay card, mobile app. It's a real bank that was established 35 years ago, and still going strong.

And the best part of their offerings:
View attachment 8437
Click to expand...

Seems like a rebranding of https://ultimopay.io/, exact same services and fees.

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[cryptofriendly]

JohnnyDoe said:
Seems like a rebranding of https://ultimopay.io/, exact same services and fees.
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You are right, actually ultimopay.io looks much better than the other one I found
https://wallet.octpass.net/.

After registering and a bit more investigation, the octpass option looks like a scam, as both of their physical addresses seem fake, and the octpass name looks like a cheap play on the CN mainland Octopus payment card and app.

But I decided to skip the middlemen and head to the actual bank myself and check their offerings, as I prefer a card that I can actually use without any worries what could happen to the provider or my money two years down the line.

Going directly, the cost of the card is just $20, plus $20 maintenance fee/year.

Last edited: Dec 29, 2024