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  • Best American Express Credit Cards of 2019

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    Mastercard is one of the popular payments company that offers credit cards globally. In Malaysia, most banks roll out Mastercard credit cards. Apart from being equipped with the latest safety and security features, these cards also come with exclusive privileges. Take a look at some of the best Mastercard credit cards in Malaysia and how you can benefit from them.

    BBazaar's Best American Express Credit Cards of 2018

    Updated on 19th December 2018

    Credit Card Category Specific Benefits Offered
    Maybank American Express Cashback Gold Credit Card

    Earn cashback on local and overseas purchases.

    Singapore Airlines KrisFlyer American Express Gold Credit Card

    Earn KrisFlyer Miles when you fly with Singapore Airlines and use your card to make purchases.

    Enjoy complimentary travel insurance.

    Citi PremierMiles American Express Card

    Earn PremierMiles on local and overseas purchases.

    Redeem your PremierMiles for air miles.

    Maybank 2 Cards Premier

    Earn 5 TreatsPoints on local and overseas purchases.

    Redeem your TreatsPoints for Enrich Miles.

    Complimentary Accidental Death and Disablement coverage of up to RM2 million.

    American Express Platinum Credit Card

    Earn up to 5x Membership Points on local and overseas spends.

    Earn 1x Membership Point on other retail purchases including selected cineplexes and bookstores.

    Here are the Best American Express Credit Cards

    Updated on 19th December 2018

    Card Name
    Category Specific Benefits Offered
    Other Benefits Offered and Annual Fees
    Minimum Annual Income Required
    Know More

    Cashback: Earn cashback on local and overseas purchases.

    (Category Specific Benefits Offered )

    Enjoy discounts when you dine at any SPG Hotels & Resorts in Malaysia.

    (Other Benefits Offered)

    Principal card: RM70 p.a.

    Supplementary card: RM45 p.a.

    (Annual Fees)

    Malaysian citizens: RM30,000 p.a.

    Expatriates: RM60,000 p.a.

    (Minimum Annual Income Required)

    Travel: Earn KrisFlyer Miles when you fly with Singapore Airlines and use your card to make purchases.

    Enjoy complimentary travel insurance.

    (Category Specific Benefits Offered )

    Earn 1x point on purchases like petrol, payment of utility bills, and more.

    Enjoy immediate assistance with American Express Global Assist.

    (Other Benefits Offered)

    Principal card: RM250 p.a.

    Supplementary card: RM125 p.a.

    (Annual Fees)

    RM48,000 p.a.

    (Minimum Income Requirement)

    Travel: Earn PremierMiles on local and overseas purchases. Redeem your PremierMiles for air miles.

    (Category Specific Benefits Offered)

    Redeem your PremierMiles for discounts, rewards, gifts, and more.

    (Other Benefits Offered)

    Principal card: RM600 p.a.

    Supplementary card: waived for life.

    (Annual Fees)

    RM100,000 p.a

    (Minimum Income Requirement)

    Travel: Earn 5 TreatsPoints on local and overseas purchases.

    Redeem your TreatsPoints for Enrich Miles.

    Complimentary Accidental Death and Disablement coverage of up to RM2 million.

    (Hotel Benefits)

    Earn 1x TreatsPoint on other retail transactions. Get up to 20% off best available room rate at participating SPG Hotels & Resorts in Malaysia.

    Enjoy complimentary green fees at selected golf courses across the world.

    Principal card: RM800 p.a.

    Annual fee waived off for the first year for the principal card.

    For subsequent years, get the annual fee waived off by spending a minimum of RM80,000 per year.

    Annual fee for up to 4 supplementary cards waived for life

    (Other Benefits)

    RM120,000 p.a.

    (Minimum Income Requirement)

    Shopping: Earn up to 5x Membership Points on local and overseas spends.

    Earn 1x Membership Point on other retail purchases including selected cineplexes and bookstores.

    (Category Specific Benefits Offered )

    None

    Principal card: RM800 p.a.

    Annual fee for principal card waived for the first year.

    (Other Benefits Offered)

    Supplementary card: RM550 p.a.

    Annual fee waived off for life for first 2 supplementary cards.

    (Annual Fees)

    RM60,000 p.a.

    (Minimum Income Requirement)

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

    Maybank American Express Cashback Gold Credit Card

    This credit card from Maybank offers cashback on local and overseas purchases. Use your Maybank American Express Cashback Gold Credit Card to pay for your everyday spends to get the maximum benefits.

    Features and Benefits of this Card:

    • Get 1% cashback on all local retail purchases.
    • Earn 1.5% cash rebate on all overseas transactions made using your card.
    • There is no cap on the cashback you can earn on local or overseas purchases.
    • There is no minimum spend to earn cashback.
    • Enjoy discount on your food bill when you dine at any SPG Hotels & Resorts in Malaysia.
    • Save 50% on your food bill you dine with one other person.
    • Get a discount of 40% with 3 to 10 diners.
    • Annual income for Malaysians is RM30,000 p.a.
    • Annual fee for the principal card and 2 supplementary cards waived off for the first year.

    Singapore Airlines KrisFlyer American Express Gold Credit Card

    This travel credit card from American Express allows you to earn KrisFlyer Miles on your purchases. You also get to enjoy a range of travel benefits like travel insurance, airport lounge access, and more.

    Features and Benefits of this Card

    • Earn 2 KrisFlyer Miles for every RM2 spent to book flight tickets with Singapore Airlines.
    • Earn 1 KrisFlyer Mile for every RM1 you spend using your card.
    • You can earn krisFlyer Miles on both local and overseas purchases.
    • Spend a minimum of RM60,000 in a year, and double the KrisFlyer Miles you have accumulated.
    • Earn 3,000 KrisFlyer Miles when you use your card for the first time.
    • Earn 1x Point on other retail purchases like petrol, payment of insurance premium and utility bills, and 0% EzyPay.
    • Get complimentary travel personal accident coverage of up to RM750,000.
    • Enjoy insurance coverage in case of missed or delayed flights.
    • Enjoy rewards and discounts with Express Autopay American Express.
    • Get complimentary access to lounges in airports across selected countries.
    • Complimentary lounge access includes 3 hours of lounge use, food and beverages, internet access, and newspapers and magazines.
    • Save up to 50% on your food bill when you dine at SPG Hotels & Resorts in Malaysia.

    Citi PremierMiles American Express Card

    Earn PremierMiles with your Citi PremierMiles American Express Card, and fly at discounted prices with selected airlines.

    Features and Benefits of this Card

    • Earn 2 PremierMiles for every RM3 you spend in foreign currency.
    • Earn 1 PremierMile for every RM1 you spend locally.
    • Earn 2 PremierMiles for every RM3 you spend on travel merchants given below:
      • AirAsia.
      • Cathay Pacific Airlines.
      • Malaysia Airlines.
      • Singapore Airlines.
      • Agoda.
      • Airbnb.
      • Expedia.
      • Traveloka.
    • Redeem or transfer your PremierMiles to loyalty programmes from airlines and hotels.
    • You can transfer your PremierMiles to loyalty programmes such as:
      • Enrich Air Miles.
      • Asia Miles.
      • Executive Club – British Airways.
      • Eva Air.
      • Qatar Airways.
      • KrisFlyer – Singapore Airlines.
      • Garuda Indonesia.
      • Royal Orchid Plus – Thai Airways.
      • Etihad Airways.
    • The conversion rate for PremierMiles to any of the above mentioned Frequent Flyers Programme is,
    • 1,500 PremierMiles = 1,000 air miles.
    • Use your PremierMiles to offset the outstanding balance on your card.
    • Use your points to pay for purchases at selected partner outlets.

    Maybank 2 Cards Premier

    The Maybank 2 Cards Premier offers TreatsPoints on local and overseas purchases. You can redeem your points for Enrich Miles.

    Features and Benefits of this Card

    • Earn 5 TreatsPoints for every Ringgit spent on local and overseas purchases.
    • Earn 1x TreatsPoint on payment of utilities, education, 0% EzyPay, and insurance premiums.
    • Get 10,000 TreatsPoints when you activate your card.
    • Redeem 4,500 TreatsPoints for 1,000 air miles.
    • TreatsPoints can be converted to Enrich Miles (Malaysia Airlines) and KrisFlyer Miles (Singapore Airlines).
    • Use your card to book flight tickets and get complimentary travel insurance of up to RM2 million.
    • The complimentary travel coverage also includes missed flights, luggage delay, and other travel-related inconveniences.  
    • Enjoy 24/7 concierge services,
    • Get up to 50% off food bill when you dine at F&B at Shangri-La Hotel, Kuala Lumpur.
    • Enjoy up to 50% off food bill when you dine at any SPG Hotels & Resorts in Malaysia.
    • Spend a minimum of RM1,000 and enjoy complimentary green fees at selected golf clubs the next month.
    • Your guests can save up to 10% on green fees.
    • Enjoy complimentary access to Plaza Premium Lounge in Malaysia and selected countries across the globe.

    American Express Platinum Credit Card

    With the American Express Platinum Credit Card, you can earn Membership Points on local as well as overseas purchases.

    Features and Benefits of this Card

    • Earn 5x Membership Points for every Ringgit you spend on groceries, telco bills, and at selected cineplexes and bookstores.
    • Get up to 2 Membership Points for every RM1 spent on local or overseas purchases.
    • Earn 1x Membership Points when you use your card to pay your utility bills and insurance premiums, buy petrol, transactions at education institutions, and EzyPay payments.
    • Complimentary travel personal accident coverage of up to RM700,000.
    • Retail purchase protection of up to RM20,000 per item and up to RM150,000 per year for very account.
    • Get a discount of up to 50% when you dine at any participating SPG Hotels & Resorts in Malaysia.

    How to Make the Most out of Your American Express Card?

    • Learn how you can earn rewards or cashback using your credit card.
    • Use your card to make purchases under the specified spend categories.
    • Check if there are any conditions like minimum spend or a cap on how much reward you can earn.

    How to Choose the Right American Express Card?

    It is important that you choose a card that rewards you according to your lifestyle. You will benefit from using a financial site that will help you compare the features and benefits of all American Express cards offered in Malaysia. A few points to keep in mind to choose the best card include:

    Rewards offered – if you travel frequently, look for a card that offers air miles or travel insurance. Use your credit card to book your flight tickets and make the best use of the benefits offered. Many cards offer a combination of rewards. Choose one that works best for your spending habits.

    Minimum income and annual fee – all cards have a minimum income requirement. Make sure that you meet the requirement before you apply. If a card’s annual fee is very high, look for conditions under which you can have it waived.

    Conclusion

    Understand the benefits, eligibility requirements, and terms and conditions of different credit cards before you apply for one. It is always more beneficial to choose a card that rewards you according to your lifestyle and spending habits.

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