5 Top Travel Credit Cards in Malaysia That Help You Save More

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5 Top Travel Credit Cards in Malaysia That Help You Save More

Whether you’re an enthusiastic travel buff or head out of the country often for business, you would’ve surely felt the pinch of ever-increasing travel costs at one point or another. With your inner wanderlust never going away and trip costs mostly on the up, it makes sense for you to try and cut corners wherever you possibly can.

One such travel hack that’s sure to help you save on your spends is using the right travel credit card.

With a travel credit card, you can earn air miles or reward points each time you use your card for retail purchases made in Malaysia or overseas. These air miles can then be converted to miles of your preferred frequent flyer programme, which in turn can get you a host of travel perks, including discounted airfares, seat upgrades, free lounge accesses or even free flights!

Having said that, it can be daunting for you to find a credit card that truly complements your travel needs. But, you don’t need to fret as that’s where we come in.

Don’t forget to check out these 5 top travel credit cards in Malaysia that help you save more.

First, let’s do a quick overview of these travel credit cards before we take an in-depth look into each one:

Name of the Card Benefits Cost per Frequent Flyer Programme (FFP) air mile (Enrich miles and BIG Points) Airport lounge access Annual fees*
Alliance Bank Visa Infinite 5x Timeless Bonus Points for every RM1 spent overseas; 2x Timeless Bonus Points for every RM1 spent locally RM1.2 per Enrich mile for overseas spends; RM3 per Enrich mile for local spends Unlimited access to more than 850 VIP lounges across the world. T&Cs apply RM800
RM0.6 per BIG Point for overseas spends; RM1.5 per BIG Point for local spends
Standard Chartered WorldMiles World Mastercard 3 WorldMiles for every RM2 spent overseas; 1 WorldMiles for every RM3 spent locally RM1.33 per FFP air mile in case of overseas spends Unlimited access to Plaza Premium Lounge in KLIA and KLIA2 RM600
RM6.06 per FFP air mile in case of local spends
Citi PremierMiles Visa 2 PremierMiles for every RM3 spent overseas; 2 PremierMiles for every RM3 spent on selected online purchases; 1 PremierMile for every RM3 spent locally RM2.25 per FFP air mile in case of overseas and online spends Unlimited access to Plaza Premium lounges across Malaysia RM600
RM4.5 per FFP air mile in case of local spends
Maybank World Mastercard 5 Treats AirMiles for every RM1 spent overseas; 5 Treats AirMiles for every RM2 spent locally RM1.27 per Enrich air mile in case of overseas spends 5x access to participating Plaza Premium Lounges in Malaysia RM1,000
RM2.54 per Enrich air mile in case of local spends
RHB Premier Visa Infinite 8x Reward Points for every RM1 spent overseas; 3x Reward Points for every RM1 spent locally RM0.75 per Enrich mile in case of overseas spends. RM2 per Enrich mile in case of local spends Unlimited access to Plaza Premium Airport Lounges in Malaysia, Singapore, Abu Dhabi, London, Taipei, and Hong Kong Free for Life
RM0.75 per BIG Point in case of overseas spends. RM2 per BIG Point in case of local spends

*Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

Now that you’ve got an idea of what each travel credit card above offers, let’s dig a little deeper and see how good each one really is:

1. Alliance Bank Visa Infinite Credit Card

5 Top Travel Credit Cards in Malaysia That Help You Save More

The Alliance Bank Visa Infinite Credit Card (full review here) is one of the three exceptions on this list of travel credit cards in the sense that it offers reward points rather than air miles. However, these points can be redeemed for air miles of participating frequent flyer programmes, including Enrich and AirAsia BIG.

This card also allows you to enjoy other travel perks, such as airport lounge access, travel insurance cover, etc.

So, what are the main benefits of this credit card?

  • Earn 5x Timeless Bonus Points for every RM1 spent overseas
  • Earn 2x Timeless Bonus Points for every RM1 spent locally
  • Redeem TBPs for air miles of participating frequent flyer programmes, including Enrich and AirAsia BIG
  • Enjoy unlimited access to more than 850 VIP lounges across the world with complimentary Priority Pass Membership
  • Get unlimited access to Plaza Premium Lounge in KLIA
  • Get complimentary travel insurance cover of up to RM2 million
  • Get a dedicated travel hotline
  • Enjoy 24/7 Visa Infinite Concierge Services
  • The annual fee can be waived with a minimum spend of RM30,000 p.a.

What you’ll need to look out for

  • The minimum income re quirement for this credit card is RM150,000 p.a.
  • Timeless Bonus Points are not awarded for petrol and government agency transactions
  • Unlimited VIP lounge access with Priority Pass Membership is subject to a minimum cumulative retail spend of RM300,000 in the current year
  • Complimentary travel insurance cover is valid only if the tickets are charged to your credit card

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Alliance Bank Visa Infinite Credit Card
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  • 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 official tax receipt

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

2. Standard Chartered WorldMiles World Mastercard Credit Card

5 Top Travel Credit Cards in Malaysia That Help You Save More

As a Standard Chartered WorldMiles World Mastercard Credit Card (full review here) holder, you’ll be able to earn a high amount of air miles and enjoy a wide range of travel benefits.

The WorldMiles you earn with this card can be redeemed for air miles of partnering frequent flyer programmes, such as KrisFlyer, Enrich, AirAsia BIG, and Asia Miles. You’ll be able to enjoy attractive discounts on hotel accommodation too.

What are the main benefits of this credit card?

  • Get 3 WorldMiles for every RM2 spent overseas
  • Get 1 WorldMiles for every RM3 spent locally
  • Redeem WorldMiles for air miles of participating frequent flyer programmes at the rate of 2 WorldMiles = 1 air mile of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG
  • Enjoy complimentary unlimited access to Plaza Premium Lounge in KLIA and KLIA2
  • Get a cash rebate of up to RM80 on airport limousine and KLIA Ekspres Rides with 3x overseas spends in the last 30 days
  • Take advantage of global concierge services throughout the year
  • The annual fee of RM600 is waived for the first year and can be waived for subsequent years too with a minimum spend of RM60,000 p.a.

What you’ll need to look out for

  • The minimum income requirement for this credit card is RM90,000 p.a.
  • Access to Plaza Premium lounges is limited to the principal cardholders with valid international boarding passes
  • Cash rebate for airport ride transfers is applicable for the principal cardholder alone

Liked this card? Apply for it right now on BBazaar and get an attractive free gift!

Standard Chartered WorldMiles World Mastercard
Card Type : Travel
Bbazaar promotion : RM500 IKEA Gift Card for FREE. T&Cs apply
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  • 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: 10 Superb Credit Card Travel Promotions You Must Check Out!

3. Citi PremierMiles Visa Credit Card

5 Top Travel Credit Cards in Malaysia That Help You Save More

The Citi PremierMiles Visa Credit Card (full review here) is another great travel credit card option you can consider. To begin with, you can earn PremierMiles each time you make a transaction with the card, whether it’s done overseas or at a local merchant outlet.

What are the main benefits of this card?

  • Earn 2 PremierMiles for every RM3 equivalent spent in a foreign currency and on selected online travel partners
  • Online travel partners include flight booking websites Airasia.com, CathayPacific.com, MalaysiaAirlines.com, and SingaporeAir.com, and hotel booking websites like Agoda.com, Airbnb.com, Expedia.com, and Traveloka.com
  • Earn 1 PremierMile for every RM3 spent on local transactions
  • Redeem PremierMiles with participating airline partners at the rate of 1,500 PremierMiles for 1000 Air Miles
  • Enjoy complimentary unlimited access to selected Plaza Premium lounges across Malaysia
  • Use your card a minimum of three times when you’re travelling overseas and enjoy a complimentary ride home from KLIA1
  • Enjoy green fees at discounted rates on weekdays at participating golf courses in Brunei, Cambodia, Indonesia, Malaysia, Philippines, Singapore, Thailand, and Vietnam
  • Get exclusive benefits at over 900 luxury hotels around the globe, and travel inconvenience coverage when you travel abroad
  • Enjoy a discount of up to 45% when you dine at selected restaurants in Malaysia
  • Get 10,000 PremierMiles on your card anniversary every year once you’ve paid the annual fee of RM600
  • New to bank customers can enjoy a 3-year annual fee waiver by activating their card within 60 days of approval. This offer is valid until 31 January 2019
  • You can earn PremierMiles when you use your card for fuel purchases at any petrol stations
  • You can also use your PremierMiles to pay in full or to offset a portion of your annual fee. 30,000 PremierMiles can be used to redeem RM600 annual fee

What you’ll need to look out for

  • The minimum income requirement for this credit card is RM100,000 p.a.
  • PremierMiles are not awarded for cash advances or payment of any fees and charges
  • Complimentary airport lounge access is for international flights alone
  • The complimentary ride home is valid only if you land in KLIA1 and your destination is within Klang Valley or up to Zone 8 of Airport Limo’s jurisdiction
  • You can enjoy the golf privileges only until 31 December 2018.

Liked this card? Apply for it right now on BBazaar and get an attractive free gift!

Citi PremierMiles Visa Card
Card Type : Travel
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  • 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). The annual fee will be waived for the first 3 years when new-to-bank customers activate their card within 60 days of approval. 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: 5 Smart Ways to Earn Air Miles Quickly

4. Maybank World Mastercard Credit Card

Image source: Maybank

The Maybank World Mastercard Credit Card is another great option when it comes to travel credit cards in Malaysia. You can get 50,000 Treats AirMiles for free once your card is approved. And these miles can be redeemed for a host of travel benefits, including free flights, subsidised airfares, and seat upgrades.

What are the main benefits of this card?

  • Earn 5 Treats AirMiles for every RM2 charged locally
  • Earn 5 Treats AirMiles for every RM1 charged overseas
  • Earn 1x Treats AirMiles for fuel purchases, utility bill payments, payments made to educational institutions, EzyPay payments, and insurance transactions
  • The Treats AirMiles you earn will never expire
  • Get 50,000 Treats AirMiles on approval of your credit card
  • Convert Treats AirMiles to Enrich Miles at the rate of 6,360 Treats AirMiles = 1,000 Enrich Miles
  • Enjoy exclusive dining privileges at all participating SPG Hotels and Resorts in Malaysia
  • Get complimentary 5x access to participating Plaza Premium Lounges in Malaysia
  • Get complimentary travel insurance with a cover of up to RM2 million
  • Enjoy complimentary green fees at selected golf clubs
  • Get 24/7 Mastercard Global Concierge Services
  • The annual fee of RM1,000 can be waived if you spend a minimum of RM120,000 in a year

What you’ll need to look out for

  • The minimum income requirement for this credit card is RM120,000
  • Complimentary travel insurance is valid only if the entire cost of flight tickets is charged to the card

Related: 10 Simple Tips to Travel on a Budget with Your Family

5. RHB Premier Visa Infinite Credit Card

RHB Premier Visa Infinite. Image source: RHB

Another great option when it comes to travel credit cards offering redeemable reward points is the RHB Premier Visa Infinite Credit Card. The reward points you earn with this card never expire and can be redeemed for air miles of participating frequent flyer programmes, including Asia Miles, KrisFlyer, Enrich, and AirAsia BIG.

What really makes this card an attractive option is what it’ll cost you to earn air miles. For instance, you’ll get 1 Enrich Mile for every RM0.75 that you spend overseas and RM2 that you spend locally. And to top it all, the annual fees for both principal and supplementary cards is waived for life!

What are the main benefits of this card?

  • Earn 8x Reward Points for every RM1 spent overseas
  • Earn 3x Reward Points for every RM1 spent locally on hotels, dining, airlines, duty-free stores, and online transactions
  • Earn 1x Reward Points on all other retail transactions
  • Redeem Reward Points for air miles from over 40 participating airlines
  • Convert Reward Points to air miles at the rate of 6,000 points = 1,000 Enrich Miles, 6,000 points = 1,000 AirAsia BIG Points, 6,000 points = 500 KrisFlyer Miles
  • Annual fees, both for principal and supplementary cards, are waived for life
  • Enjoy unlimited access to Plaza Premium Lounges in Malaysia and across the world
  • Stay protected with a complimentary travel insurance cover of up to RM2 million
  • Enjoy RHB Premier Travel Concierge Services
  • Enjoy complimentary green fees at participating golf courses in Malaysia
  • The Reward Points you earn are valid for life

What you’ll need to look out for

  • Reward Points are not awarded for petrol, charity, cash advance, and government agency transactions
  • The minimum annual income requirement to be eligible for this card is RM150,000
  • Unlimited airport lounge access is subject to a minimum retail spend of RM100,000 p.a.
  • If your annual spend on the card is less than RM100,000, you’re limited to 10x lounge access
  • Complimentary travel insurance cover is valid only if the tickets are charged to your credit card

With so many options out there when it comes to travel credit cards, finding the right one can get cumbersome and time-consuming.

Although the list of cards above can serve to be a useful guide and a great place to start your search, keep in mind that the card you choose should be in line with your spending habits based on your lifestyle requirements. This way, you can get the most value out of each spend made using your travel credit card, whether it’s a local or an overseas transaction.

And if you’re on the lookout for a credit card, our ongoing promotion might interest you. Get a FREE Lazada voucher or IKEA Gift Card worth up to RM500 when you apply for a Citi, Alliance Bank or Standard Chartered Bank credit card, right here on BBazaar! APPLY TODAY! T&Cs apply.

Need more options? Check out our reviews of other popular credit cards in Malaysia:

All information provided in this article/blog, published on this website is strictly for general information purpose only. BBazaar does not provide any warranty about the authenticity and accuracy of such information. BBazaar will not be held responsible for any loss and/or damage that arises or is incurred by use of such information. Please visit the websites of respective banks/financial institutions for more details about products.

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