Your Guide to Awesome Malaysia Airlines Miles Credit Cards 2024
Let’s face it, air miles are the dream for any travel kaki like us. But let’s be real, the journey to those free flights isn't always a smooth one. It’s not about having the best credit card, it’s about making the most of the one you have. This isn’t a guide about card comparisons. This is about you. It’s about turning your ordinary spending habits into extraordinary travel adventures.
Want to know how to double your miles? Don’t worry, we’ve got you covered!
We have made exclusive comparison chart breaking down different spending behaviors and how to optimize your miles.
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Best Local Spending Bank Credit Card for Enrich Miles
1) Definitely, the Maybank AMEX Platinum Charge Card takes the lead in terms of earning Enrich points. You get 1 Enrich point for every RM1.40 spent. However, it's important to note the high annual income requirement of around RM190,000 and the hefty non-waivable annual fee of RM3,250. Additionally, Amex's merchant acceptance in Malaysia is limited due to its higher costs for retailers and merchants.
2) Alliance Bank Visa Infinite: If your spending leans heavily towards online transactions and e-wallets, this card is ideal for you! Even though they've introduced a RM3,000 cap on online spending starting June 2024, you still enjoy a competitive earning rate of 1 Enrich point for every RM1.88 spent. Compared to other options, it has a lower income requirement of just RM60,000 annually. Plus, the annual fee is often easily waived.
3) AmBank has recently launched its new Enrich card, offering a competitive earning rate of 1 Enrich point for every RM3 spent until April 2025. However, after April 2025, the earning rate will decrease to 1 Enrich point for every RM5 spent. So my advice to capitalize on the current higher earning rate, it's advisable to apply for the card before their campaign ends. To qualify, you'll need an annual income of RM100,000 and pay an annual fee of RM500. Cardholders enjoy unlimited access to Malaysia Airlines Golden Lounges and a 10% discount on Malaysia Airlines ticket purchases.
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Best Oversea Spending Bank Credit Card for Enrich Miles
1) The UOB Zenith and PRVI Miles combination is often considered the best credit card for overseas spending in Malaysia. However, it's essential to have both cards because the Zenith card offers an exceptionally high redemption rate of 1,000 miles for just 6,400 UNIRinggit. Even if you primarily use the PRVI Elite card for your transactions, you can still transfer your UNIRinggit to the Zenith card to enjoy this superior redemption rate. This effectively to earning 1 Enrich point for every RM0.64 spent overseas.
2) The UOB PRVI Miles card secures the second spot for overseas spending. It offers a generous 10x points for every RM1 spent overseas, translating to an effective conversion rate of approximately RM0.90 for every Enrich point earned.
3) As mentioned Ambank is running a new launched campaign , Enjoy an incredible earning rate of 1 Enrich point for every RM1 spent until April 2025. so grab this opportunity to maximize your rewards – apply for the card before the campaign ends!
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Lower-entry credit cards for Enrich !
There are several lower-entry credit cards suitable for earning Enrich points through online and e-wallet spending. Two options to consider are the Alliance Bank Visa Platinum and Hong Leong Sutera Platinum cards. it is, the way you tell your story online can make all the difference.
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1) Hong Leong Sutera Platinum card offers a generous 8x points for both online and e-wallet spending, effectively earning you 1 Enrich point for every RM3 spent without any spending cap. This card also rewards you with 8x points on groceries, essentials at selected stores like Giant, Cold Storage, Jaya Grocer, and Mercato, as well as pharmacies like Guardian, Watsons, and Caring Pharmacy, and convenience stores like MyNews and 7-Eleven. This earning rate is comparable to AmBank Enrich's current introductory offer, but the Hong Leong Sutera card's benefits are limited to specific spending categories.
2) Alliance Bank Visa Platinum card also offers 8x points for online and e-wallet spending, its conversion rate to Enrich points is less favorable at RM1.88 for every Enrich point earned. To maximize your Enrich point accumulation, consider combining the Hong Leong Sutera Platinum card for dining and essential spending (where it excels with its 8x points) and the Alliance Bank Visa Platinum card for online transactions. This strategic approach can help you optimize your Enrich point earnings.
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Always remember there isn’t a single “best” airmiles credit card in Malaysia, as the ideal option depends on your spending habits and travel preferences.
By using the right credit card tailored to your spending habits, you can significantly accelerate your path to that dream vacation.
Apply for your perfect travel credit card now via the link Click here to apply! Once verified, we'll invite you to join our exclusive subscriber channel for travel tips, deals, and to unlock a community of travel enthusiasts! We're also happy to answer any questions you have about Air Miles collection in subscriber community!
Happy travels!
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