hahaha if u wondering, just sign up as their cardholder
because u'll never regret since there've so many benefits offer to you
I am myself had never regret once since I signed up for the card hahaha, the minimum spending that they required you to do to be eligible to obtain the bonus 8k points is quite reasonable and not too burdensome on the card holders, definitely recommend people to sign up for it not just let it slipped pass you.
That seems pretty nice, because usually when I purchase flight tickets from Airasia I would also choose to opt out from buying their insurance as I want to save on my travel expenses, I know I am not encouraged to do so in the case of any accident happening but since I am just a student so I can only save on whatever that I can
I was in the same situation like you before, not wanting to buy the insurance just for sack of trying to cut down my spending as much as possible. But after some unfortunate incidents that happened during my flight that caused my luggage to be damaged, I had ever since started to purchase insurance everytime I fly.