5 Best Credit Cards to Earn Enrich Miles for Discounted or Free Flight Tickets!

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5 Best Credit Cards to Earn Enrich Miles for Discounted or Free Flight Tickets!

Owning a travel credit card means experiencing a world of benefits, whether they’re travel rewards or travel privileges. Not only do you earn points on every purchase you make but you also get access to a plethora of travel-related benefits – complimentary lounge access, complimentary travel insurance, discounts and deals at hotels and golf clubs, personalised concierge services and the list goes on. So, jetting off to a new destination with a card like this will always mean a comfortable journey.

Besides these incredible benefits, you’re also privy to converting your earned points to air miles of frequent flyer programmes. And these miles can get you free or discounted flight tickets, seat upgrades, travel vouchers, so on and so forth.

One frequent flyer programme that has always been the talk of the town is Malaysia Airlines’ Enrich Miles Frequent Flyer Programme. With this programme, you can redeem your accumulated miles at any one of the 23 partner airlines like British Airways, Qantas, Emirates, Jet Airways, and of course, Malaysia Airlines.

Now if you’re in the market for a credit card that truly gives you a rewarding experience and gets you the most number of Enrich Miles, we’ve got you covered.  Below we’ve listed 5 best credit cards in Malaysia (in no particular order) that will give you great Enrich Miles conversion rates!

Card Name Annual Fee (exclusive of SST) Points awarded Number of reward points required for 1,000 Enrich Miles The amount you need to spend on your card to bag 1,000 Enrich Miles
Maybank 2 Cards Premier Free for the first year.
Subsequent years: Principal card: RM800
Supplementary card: First four cards free
5x TreatsPoints for every RM1 spent locally or overseas

1x TreatsPoints on utilities, education, EzyPay, and insurance transactions
4,500 TreatsPoints RM900 locally or overseas
Citi PremierMiles Visa Card Principal card: RM600
Supplementary card: Free for life
1 PremierMile for every RM3 spent locally,
2 PremierMiles for every RM3 spent in foreign currencies
1,500 PremierMiles RM4,500 locally or RM2,250 in foreign currency
Standard Chartered WorldMiles Mastercard Principal card: RM600
Supplementary card: Waived
3x WorldMiles for every RM2 spent overseas,
1x WorldMiles for every RM3 spent locally
2,000 WorldMiles RM6,000 locally or RM1,333 overseas
Alliance Bank Visa Infinite Card Principal card: RM800
Supplementary card: Waived
5x Timeless Bonus Points on overseas retail expenses,
2x TBPs on local retail expenses
6,000 TBPs RM3,000 locally or RM1,200 overseas
Hong Leong Visa Infinite Credit Card Principal card: Waived for life
Supplementary card: Waived for life
1 Enrich Mile for every RM2.8 spent locally.
1 Enrich Mile for every RM1.8 spent overseas
Not applicable RM2,800 locally or RM1,800 overseas

Now let’s discuss each of these credit cards in a more detailed way:

1. Maybank 2 Cards Premier

Image source: BBazaar Malaysia

Experience the best of travel rewards with the Maybank 2 Cards Premier (full review here), in which you get two cards clubbed in a single statement — the Maybank 2 Cards Premier American Express Reserve Card and a complimentary Maybank Visa Infinite card.

What you’ll love about this card

  • Earn 5x TreatsPoints for every RM1 charged locally or internationally to the Maybank American Express Reserve Card
  • Enjoy 1x TreatsPoints on all utility, education, EzyPay, and insurance transactions
  • Redeem 4,500 TreatsPoints for 1,000 Enrich Miles, KrisFlyer Miles or Asia Miles
  • Enjoy complimentary accidental death and disablement coverage of up to RM2,000,000 as well as travel inconvenience coverage for missed connections, luggage delay and luggage loss when you charge your travel fares to the card
  • 5x complimentary access to Plaza Premium Lounges
  • Enjoy up to 50% dining and hotel booking discounts at Shangri La Hotel, KL and all SPG Hotels and Resorts in Malaysia
  • Annual fee waived for the first year
  • Complimentary green fees at 86 golf clubs locally and internationally

What you should keep in mind

  • The TreatsPoints you earn are only valid for 3 years (TreatsPoints converted to FFP air miles valid for another 3 years)
  • The annual fee for the principal card is RM800 (waived for the first year. Subsequent years waived for a minimum annual spend of RM80,000
  • Dining, resort, and hotel privileges are only valid till 31 December 2018.
  • You have to spend a minimum of RM1,000 in the previous month to make golf bookings
  • Complimentary green fees at various golf clubs and access to Plaza Premium Lounges  is only available till 31 December 2018
  • You need to spend RM900 locally or overseas in order to bag 1,000 Enrich Miles
  • The minimum annual income requirement for this card is RM120,000 and the minimum age requirement is 21 years

Related: 35 Spectacular Countries Malaysians Can Visit Without a Visa!

Citi PremierMiles Visa Card

Image source: BBazaar Malaysia

Travel gets even more exciting with the Citi PremierMiles Visa Card (full review here). Besides earning PremierMiles on your local and overseas transactions, you also get access to a ton of other travel benefits — complimentary lounge access, automatic travel insurance, deals on dining, hotel stays, and at golf clubs, and more.

What you’ll love about this card

  • You earn 1 PremierMile for every RM3 spent locally, and 2 PremierMiles for every overseas transaction equivalent to RM3 and at selected online travel merchants
  • Enjoy 10,000 PremierMiles every year on your card’s anniversary when you pay your annual fee of RM600
  • Redeem 1,500 PremierMiles for 1,000 air miles of Enrich, Krisflyer, Asia Miles and many others
  • You can also redeem your pool of PremierMiles for free merchandise, vouchers, to offset credit card balance and for retail purchases at Instant Rewards merchants
  • Unlimited complimentary access to Plaza Premium Lounges at KLIA1, and Penang, Kuching and Kota Kinabalu International Airports
  • Get a complimentary ride home from KLIA after your trip has ended
  • Get access to exclusive deals and discounts on dining and hotel stays
  • Enjoy a round of golf with discounts on green fees at various golf clubs around the world.
  • Complimentary travel insurance coverage up to RM300,000

What you should keep in mind

  • Transactions at online travel merchants that fetch you PremierMiles are Airasia.com, CathayPacific.com, MalaysiaAirlines.com, SingaporeAir.com, Agoda.com, Airbnb.com, Expedia.com, and Traveloka.com
  • The annual fee for the principal card is RM600. You can redeem 30,000 PremierMiles to offset the annual fee
  • You have to charge the full airfare to your card to enjoy automatic travel insurance coverage
  • You need to spend RM4,500 locally or RM2,250 in a foreign currency in order to earn 1,000 Enrich Miles
  • The minimum annual income requirement for this card is RM100,000 and the minimum age requirement is 21 years

Liked this credit card? Apply for it now on BBazaar Malaysia and get an exciting free gift!

Citi PremierMiles Visa Card
Card Type : Travel
Bbazaar promotion :  A Huawei Y6 2018 phone for free. T&Cs apply
Apply Now
  • Earn 2 PremierMiles for every RM3 equivalent spent in foreign currencies and on selected online travel merchants

    Earn 1 PremierMile for every RM3 spent locally

    Get 10,000 PremierMiles on your card anniversary every year once you’ve paid the annual fee

  • Minimum income – RM100,000 p.a

    Minimum age – 21 years old

    For Salaried Employees: Copy of MyKad, latest EPF statement, last 6 months’ salary slips, latest 6 months’ bank statements, and form BE with tax payment receipt

    For Self-Employed Professionals: Copy of MyKad, Business Registration Certificate (ROC & ROB), last 6 months’ bank statements, and form BE with tax payment receipt

  • Annual fee: Principal card – RM600 (with 0% GST). Supplementary card – Free for life

    Interest rates: 15-18% p.a.

    Late payment fee: 1% of the outstanding balance subject to a minimum of RM10 and a maximum of RM100

Related: 6 Top Travel Credit Cards in Malaysia That Help You Save More

Standard Chartered WorldMiles World Mastercard

Image source: BBazaar Malaysia

Say hello to a new and comfortable travel experience with the Standard Chartered WorldMiles World Mastercard (full review here). You earn miles on your transactions, get access to exclusive travel packages, and enjoy a bunch of other travel-related benefits!

What you’ll love about this card

  • You earn 3 WorldMiles for every RM2 spent overseas and 1 WorldMile for every RM3 spent locally
  • Redeem your accumulated WorldMiles for Air Miles at the rate of 2 WorldMiles = 1 Enrich Mile, Krisflyer Mile, Asia Mile or AirAsia BIG Point
  • Unlimited complimentary access to Plaza Premium Lounge
  • Enjoy cashback up to RM80 on your airport limousine or KLIA Ekspres ride home when you return from overseas travel
  • Get exclusive access to a ton of travel and lifestyle-related offers from selected merchants.

What you should keep in mind

  • You have to travel internationally to get access to Plaza Premium Lounges
  • To enjoy cashback on your airport limousine or KLIA Ekspres ride, you have to perform a minimum of 3x overseas transactions in the past 30 days
  • You have to spend a minimum of RM60,000 in a single year to waive off the principal card annual fee of RM600
  • You need to spend RM6,000 locally or RM1,333 overseas to earn 1,000 Enrich Miles
  • The minimum income requirement for this card is RM90,000 and the minimum age requirement is 21 years

Liked this credit card? Apply for it now on BBazaar Malaysia and get an exciting free gift!

Standard Chartered WorldMiles World Mastercard
Card Type : Travel
Bbazaar promotion : A Huawei Y6 2018 phone for free. T&Cs apply
Apply Now
  • Get 3 WorldMiles for every RM2 spent overseas

    Get 1 WorldMile for every RM3 spent locally

    2 WorldMiles = 1 Air Mile of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG

    Free unlimited access to Plaza Premium Lounge in KLIA and KLIA2

  • Minimum income – RM90,000 p.a.

    Minimum age – 21 years old

    For Salaried Employees: Copy of NRIC (both sides), last 1 months’ salary slip and bank statement, last 6 months’ salary slip and bank statement for commission earners, latest EPF Statement, and latest Borang BE (Full submission to LHDN)

    For Self-Employed Professionals: Copy of NRIC (both sides), last 6 months’ bank statement and Business Registration Form 9, 24, 49, latest EPF Statement, and latest Borang B/BE(Full submission to LHDN)

  • Annual fee: Principal card – RM600 (inclusive of 0% GST) 1st year Annual Fee waiver, subsequent years will be waived with minimum spend of RM60,000 per year. Supplementary card: Free

    Interest rates: 15-18% p.a.

    Late payment fee: 1% of outstanding balance subject to a minimum of RM10 and a maximum of RM100

Related: 7 ‘Not So Obvious’ Muslim-friendly Holiday Destinations You Should Visit

Alliance Bank Visa Infinite Card

Image source: BBazaar Malaysia

Enjoy rewards every step of the way with the Alliance Bank Visa Infinite Card (full review here). From points on your retail transactions to exclusive travel-related benefits, you get the best of travel rewards with this card.

What you’ll love about this card

  • You get 5x Timeless Bonus Points on all your overseas retail expenses and 2x TBPs on all your local retail transactions
  • Redeem 6,000 TBPs for 1,000 Enrich Miles and 3,000 TBPs for 1,000 AirAsia BIG Points
  • Timeless Bonus Points never expire
  • Enjoy access to over 850 VIP lounges in 300 cities worldwide with the complimentary Priority Pass Membership.
  • You also get complimentary access to the Plaza Premium Lounge in KLIA and a 20% discount at Plaza Premium Lounges around the world
  • Stay protected during your travels with the automatic travel insurance coverage of up to RM2 million
  • Get access to a dedicated travel hotline, to Infinite Customer Service, and the 24/7 Visa Infinite Concierge Service

What you should keep in mind

  • You cannot earn Timeless Bonus Points on petrol and government agency transactions.
  • You have to spend a minimum of RM30,000 a year in order to waive off the principal card annual fee of RM800
  • You get 6x complimentary Priority Pass Lounge visits in the first year. Post this, you have to spend a cumulative amount of RM150,000 and above to enjoy 12x complimentary visits in the following year
  • To further enjoy unlimited visits in the following calendar year, you have to spend a minimum of RM300,000
  • You need to spend RM3,000 locally or RM1,200 overseas to earn 1,000 Enrich Miles
  • The minimum annual income requirement for this card is RM150,000 and the minimum age requirement is 21 years

Liked this credit card? Apply for it now on BBazaar Malaysia and get an exciting free gift!

Alliance Bank Visa Infinite Credit Card
Card Type : Travel / Rewards
Bbazaar promotion : A Huawei Y6 2018 phone for free. T&Cs apply
Apply Now
  • Complimentary Priority Pass Membership (6 entries) – over 850 VIP lounges worldwide, and KLIA 2 and Penang Airport

    Travel Accident & Inconvenience Insurance up to RM2 million and Travel Medical Expenses Coverage up to RM50,000

    Earn 5x Timeless Bonus Points on every RM1 spent overseas and 2XTBPs on every RM1 spent locally

    Redeem free flight, upgrade and more for Air Miles for Enrich and AirAsia BIG

  • Minimum income – RM150,000 p.a.

    Minimum age – 21 years old

    For Salaried Professionals (MNCs/PLCs & Non-MNCs/PLCs): Copy of NRIC (both sides) or a valid passport, last 3 months’ salary slip, last 3 months’ bank statement showing salary being credited, latest EPF statement, or latest Borang BE with official tax receipt/bank-in slip

    For Self-Employed Professionals: Copy of NRIC (both sides) or a valid passport, last 6 months’ bank statement, Business Registration Form and Form D or Form 9, 24, 49, latest EPF statement, or tax return form with the official tax receipt

    For Non-Malaysians: Copy of working permit whose remaining validity is at least one year from the application date

  • Annual fee: Principal card – RM800 (with 0% GST). Waived if the card is charged at least RM30,000 p.a. Supplementary card – Free for life

    Interest rates: 15-18% p.a.

    Late payment fee: 1% of the outstanding balance subject to a minimum of RM10 and a maximum of RM100

Related: Plan to Travel! How to Make the Most of the Public Holidays in 2019

Hong Leong Visa Infinite Credit Card

Image source: Hong Leong Bank Malaysia

Add more value to your expenses with the Hong Leong Visa Infinite Credit Card. Not only do you automatically earn Enrich Miles on your expenses but also get access to several other travel benefits.

What you’ll love about this card

  • Earn 1 Enrich Mile when you spend RM1.8 overseas or RM2.8 within Malaysia
  • There’s a lifetime annual fee waiver for both principal and supplementary cards, with no conditions attached
  • Enjoy 4x complimentary access to Plaza Premium Lounges in Malaysia and Singapore.
  • Travel safe with the automatic travel insurance coverage of up to RM3 million.
  • Get preferential rates on foreign currencies when you visit the Hong Leong Bank Bureau de Change at KILA2 or Penang International Airport
  • Enjoy access to the Hong Leong Premium Travel Desk as well as the Visa Infinite Concierge Services for assistance with a wide range of requests

What you should keep in mind

  • You cannot earn Enrich Miles on government and JomPAY related transactions, cash advances, betting and gaming related transactions, Flexi Payment Plan, balance transfers, finance charges, and late charges
  • You get 4x complimentary access to Plaza Premium Lounges only for the first year of membership
  • Post this, you have to spend a minimum of RM100,000 in retail expenses to earn 4x complimentary access to Plaza Premium Lounges
  • You have to charge the full fare of your flight tickets to enjoy the automatic travel insurance coverage
  • You need to spend RM2,800 locally or RM1,800 overseas to earn 1,000 Enrich Miles
  • The minimum annual income requirement for this card is RM150,000 and the minimum age requirement is 21 years

Related: How Good Are Credit Card-Linked Travel Insurance Plans?

So where can you go with your pool of Enrich Miles?

5 Best Credit Cards to Earn Enrich Miles for Discounted or Free Flight Tickets!

So how many Enrich Miles do you need to redeem in order to fly to your favourite holiday destination, you might wonder. Well, let us give you some perspective here. You can redeem your pool of Enrich Miles for free or discounted flight tickets depending on the number of Enrich Miles you’ve accumulated, the distance to your chosen destination, your chosen airlines and seating category, etc.

For example, you’ll need to redeem approximately 44,000 Enrich Miles for an Economy Class return ticket and 112,000 Enrich Miles for a Business Class return ticket from Kuala Lumpur to Bangkok (roughly 915 miles).

Similarly, if you want to fly to Tokyo (roughly 3,300 miles from KL), you’ll need approximately 69,000 Enrich Miles for an Economy Class return ticket and 132,000 Enrich Miles for a Business Class return ticket.

Do note that these are just approximate figures to give you some idea, and the actual number of required Enrich Miles may differ. Please visit the Enrich Miles website for more information.

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