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Best Air Miles Credit Cards of 2019

These cards let you earn air miles on every ringgit you spend. These cards specify their airline partners where you can redeem for free flights. The table given below gives you a brief description of the air miles you can earn with each card and the other key benefits offered by the cards.

Best Air Miles Credit Cards

BBazaar's Best Air Miles Credit Cards of 2019

Updated on 8th February 2019

Credit Card Miles
Standard Chartered WorldMiles Mastercard Credit Card

3 WorldMiles on every RM2 spent overseas.

Hong Leong AirAsia Platinum Credit Card  

Earn up to 6x Big Points on your AirAsia and other spends

Citi PremierMiles Visa Credit Card

1 PremierMile for every RM3 spent locally.

PB World Mastercard Credit Card

3x Air Miles Points for every RM1 spent on overseas retail purchases.

HSBC Premier Travel Credit Card

1.1 Air Miles for every RM1 spent overseas.

CIMB Enrich World Mastercard

1 Bonus Mile for every RM1.50 spent overseas.

Maybank World Mastercard

5x Treats AirMiles for every RM1 spent overseas.

OCBC Premier Voyage Mastercard

1 Voyage Mile for every RM3 spent overseas.

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Here are the Best Credit Cards for Air Miles in Malaysia 2019

Updated on 8th February 2019

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1.1 Air Miles for every RM1 spent overseas.

1 Air Mile for every RM4 spent locally.

(Air Miles)

Principal card: RM600.

Supplementary card: Waived.

(Annual Fee)

Redeem the accumulated Air Miles for Enrich Miles, Asia Miles, and KrisFlyer Miles.

12x airport lounge access to over 850 local and international airports.

(Key Benefits)

1 Bonus Mile for every RM1.50 spent overseas.

1 Bonus Mile on every RM3 spent locally.

(Air Miles)

Principal Card: RM554.72.

Supplementary Card: Waived.

(Annual Fee)

8x exclusive golden lounge vouchers for access to Malaysia Airlines Golden Lounge.

Travel insurance coverage of up to RM1 million.

(Key Benefits)

5x Treats AirMiles for every RM1 spent overseas.

5x Treats AirMiles for every RM2 spent locally.

1x Treats AirMile for utility bill payment, fuel purchases, insurance premium payments, and payments made at educational institutions.

(Air Miles)

Principal card: RM1,000.

Supplementary card: Waived.

(Annual Fee)

5x complimentary access to participating Plaza Premium Lounges at local and international airports.

Travel insurance coverage of up to RM2 million.

(Key Benefits)

1 Voyage Mile for every RM3 spent overseas.

1 Voyage Mile for every RM5 spent locally.

(Air Miles)

Principal card: RM750.

Supplementary card: RM500.

( Annual Fee)

Complimentary travel insurance up to USD1 million.

4x complimentary access to the Flight Club at KLIA per calendar.

(Key Benefits)

1 WorldMile for every RM3 spent locally.

3 WorldMiles on every RM2 spent overseas.

(Air Miles)

Principal card: RM600 (waived for the first year).

Supplementary card: Waived.

(Annual Fee)

Redeem miles with Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

(Key Benefits)

Earn up to 6x Big Points on your AirAsia and other spends

(Air Miles)

Waived for the first year (on minimum of 1 retail swipe in 45 days of card approval).

Subsequently,Principal card: RM350 Supplementary card: RM150.

(Annual Fee)

Enjoy up to 25,000 bonus points in the form of Welcome BIG Points and Quarterly Bonus BIG Points.

(Key Benefits)

1 PremierMile for every RM3 spent locally.

2 PremierMiles for every RM3 spent in foreign currencies and at selected travel partners.

10,000 PremierMiles on the card’s anniversary post the annual fee payment.

(Air Miles)

Principal card: RM600.

Supplementary card: Waived.

(Annual Fee)

Unlimited access to select Plaza Premium Lounges in Malaysia.

Travel inconvenience coverage that offers benefits on flight delay, missed flight, baggage delay, etc.

(Key Benefits)

3x Air Miles Points for every RM1 spent on overseas retail purchases.

1x Air Miles Point for every RM1 spent on local retail transactions.

Redeem your points at the rate of 6,000 Air Miles Points = 1,000 Enrich Miles/2,000 AirAsia BIG Points.

(Air Miles)

Waived for life.

(Annual Fee)

Travel inconvenience coverage of up to RM500,000.

(Key Benefits)

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

Standard Chartered WorldMiles Mastercard Credit Card

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1 WorldMile for every RM3 spent locally.

3 WorldMiles on every RM2 spent overseas.

(Air Miles)

Principal card: RM600 (waived for the first year).

Supplementary card: Waived.

(Annual Fee)

Redeem miles with Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

(Key Benefits)

The card earns you miles on all your retail expenses, both local and overseas. Besides this, you also get access to a ton of other travel benefits.

Key Benefits

  • Earn 3 WorldMiles when you spend every RM2 overseas.
  • Earn 1 WorldMiles when you spend every RM3 locally.
Additional Points Description
How to Use it
  • Use this credit card to pay your for your expenses locally as well as overseas.
  • Redeem your accumulated WorldMiles for AirMiles of your preferred frequent flyer programme (conversion rate of 1 AirMile for every 2 WordlMiles).
Good About it
  • Your airport limousine or KLIA Ekspres ride from the airport to your home will earn you a cashback of up to RM80.
  • Enjoy complimentary access to Plaza Premium Lounges in KLIA and KLIA2 when you travel internationally.
Keep in Mind
  • The cashback earned on airport rides will be available only if you perform 3 overseas transactions in the last 30 days.
  • A minimum annual income of RM90,000 p.a. is mandatory.
  • Subsequent years annual fee waiver is available on a minimum spend of RM60,000 per year.

Who Should Get It

  • Those who use a credit card while traveling overseas.

Hong Leong AirAsia Platinum Credit Card

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

Earn up to 6x Big Points on your AirAsia and other spends

(Air Miles)

Waived for the first year (on minimum of 1 retail swipe in 45 days of card approval).

Subsequently,Principal card: RM350 Supplementary card: RM150.

(Annual Fee)

Enjoy up to 25,000 bonus points in the form of Welcome BIG Points and Quarterly Bonus BIG Points.

(Key Benefits)

This co-branded card by Hong Leong Bank offers you reward points on an array of expenses, including all your Air Asia transactions.

Key Benefits

  • Earn 6x BIG Points for every RM1 spent at AirAsia.
  • Every RM2 spent overseas will earn you 1 BIG Point.
  • Get 1 BIG Point for every RM3 spent locally.
Additional Points Description
How to Use it
  • Use this card to purchase your air tickets via AirAsia.
  • Use the card for local as well as overseas purchases.
Good About it
  • Platinum cardholders get an instant upgrade to the Platinum Freedom Flyer status.
  • Through this upgrade, you enjoy priority check-in, boarding, baggage collection facilities, along with up to 7x BIG Points.
  • You earn 5,000 Welcome BIG Points if you spend at least RM2,500 in the first 60 days after the card approval.
  • If you spend RM5,000 per calendar quarter, you can earn an additional 5,000 BIG Points for that quarter.
Keep in Mind
  • Annual fee waiver for the first year is granted only when you make 1 minimum retail purchase on the card in 45 days of the approval date.

Who Should Get It

  • Those who want to earn points on their credit card transactions.
  • Those who travel frequently.

Citi PremierMiles Visa Credit Card

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1 PremierMile for every RM3 spent locally.

2 PremierMiles for every RM3 spent in foreign currencies and at selected travel partners.

10,000 PremierMiles on the card’s anniversary post the annual fee payment.

(Air Miles)

Principal card: RM600.

Supplementary card: Waived.

(Annual Fee)

Unlimited access to select Plaza Premium Lounges in Malaysia.

Travel inconvenience coverage that offers benefits on flight delay, missed flight, baggage delay, etc.

(Key Benefits)

Enjoy dining, shopping, and travel-related benefits with this card. Moreover, you can also redeem the earned miles for AirMiles of several frequent flyer programmes.

Key Benefits

  • Earn 1 PremierMile for every RM3 spent locally.
  • Earn 2 PremierMiles when you spend every RM3 in a foreign currency or at partner online travel merchants.
  • Get complimentary travel inconvenience cover, personal accident cover, and medical insurance.
Additional Points Description
How to Use it
  • Use the card to pay for retail purchases to earn PremierMiles.
  • Convert your earned PremierMiles into Air Miles of frequent flyer programmes.
Good About it
  • The PremierMiles earned on the credit card do not expire.
  • You will get 10,000 PremierMiles each year when you pay the annual fee for the card.
  • The annual fee can be waived with 30,000 PremierMiles.
Keep in Mind
  • The travel insurance is offered only if under 70 years of age.
  • The PremierMiles redemption rate is 1,000 Air Miles for 1,500 PremierMiles.

Who Should Get It

  • Those who use their cards to buy flight tickets.
  • Those who want to save on their credit card purchases.

PB World Mastercard Credit Card

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

3x Air Miles Points for every RM1 spent on overseas retail purchases.

1x Air Miles Point for every RM1 spent on local retail transactions.

Redeem your points at the rate of 6,000 Air Miles Points = 1,000 Enrich Miles/2,000 AirAsia BIG Points.

(Air Miles)

Waived for life.

(Annual Fee)

Travel inconvenience coverage of up to RM500,000.

(Key Benefits)

This credit card offers Air Miles Points for local and overseas retail transactions. You can redeem the collected Air Miles Points for Enrich Miles or AirAsia BIG Points.

Key Benefits

  • Earn 3x Air Miles Points for every RM1 spent on overseas retail purchases.
  • Enjoy 1x Air Miles Point for every RM1 spent on local retail purchases.
  • Get a free travel insurance cover of up to RM500,000.
  • Enjoy 3x complimentary Plaza Premium Lounge access in Malaysia.
Additional Points Description
How to Use it
  • Use your card for local and overseas purchases and earn Air Miles Points.
  • Redeem 6,000 Air Miles Points with 1,000 Enrich Miles/2,000 AirAsia BIG Points.
Good About it
  • You can earn Air Miles Points on both local and overseas spends.
  • The annual fee on the card is waived for a lifetime.
  • Use the MasterCard PayPass facility to make quick and safe payments.
  • Enjoy e-commerce Purchase Protection of up to USD200
Keep in Mind
  • The minimum income requirement for this card is RM100,000 p.a.
  • Air Miles Points are valid for 3 years.

Who Should Get It

  • Frequent flyers who travel internationally.
  • Those who use their credit card for local and overseas retail transactions.

HSBC Premier Travel Credit Card

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1.1 Air Miles for every RM1 spent overseas.

1 Air Mile for every RM4 spent locally.

(Air Miles)

Principal card: RM600.

Supplementary card: Waived.

(Annual Fee)

Redeem the accumulated Air Miles for Enrich Miles, Asia Miles, and KrisFlyer Miles.

12x airport lounge access to over 850 local and international airports.

(Key Benefits)

Enjoy an array of travel-related benefits when you apply for the HSBC Premier Travel Credit Card. This card offers rewards for retail spends as well as airport lounge access and shopping discounts.

Key Benefits

  • Get 1.1 Air Miles for every RM1 spent on overseas retail transactions.
  • Get 1 Air Mile for every RM4 spent on local retail transactions.
  • Enjoy complimentary 12x airport lounge access at over 850 local and international airports.
  • Get unlimited complimentary Wi-Fi access through Boingo with over 1 million hotspots worldwide.
  • Make hotel bookings on Expedia and Agoda and get 10% and 7% off, respectively.
  • Get cash instantly anytime you want.
  • Enjoy exclusive deals and privileges on shopping.
  • Enjoy Wallet Protection Insurance and E-Commerce protection by Mastercard.
  • Get a complimentary Grab ride.
Additional Points Description
How to Use it
  • Use your card for retail transactions and earn Air Miles.
  • Redeem the accumulated Air Miles with frequent flyer programmes of participating airlines.
    • 10,000 Air Miles = 10,000 Enrich Miles.
    • 20,000 Air Miles = 10,000 Asia Miles.
    • 20,000 Air Miles = 10,000 KrisFlyer Miles.
  • You can also redeem products and vouchers from HSBC’s rewards catalogue.
Good About it
  • Earn high rewards for overseas spends.
  • The annual fee is waived for the first year.
  • The supplementary cards are free for life.
  • To be eligible for this card, you need to earn a minimum income of just RM36,000 p.a.
Keep in Mind
  • The Air Miles earned for overseas spends and local spends are capped at 20,000 Air Miles and 30,000 Air Miles, respectively.
  • Continue enjoying the annual fee waiver from the second year onwards when you spend a minimum of RM45,000 per year.
  • The card is exclusively for HSBC Premier account holder with minimum RM200,000 account balance with HSBC.
  • You get the complimentary Grab ride when you spend a minimum of RM2,500 on airline tickets.

Who Should Get it?

  • Those who use their card to buy air tickets.
  • Those who spend overseas frequently.

CIMB Enrich World Mastercard

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1 Bonus Mile for every RM1.50 spent overseas.

1 Bonus Mile on every RM3 spent locally.

(Air Miles)

Principal Card: RM554.72.

Supplementary Card: Waived.

(Annual Fee)

8x exclusive golden lounge vouchers for access to Malaysia Airlines Golden Lounge.

Travel insurance coverage of up to RM1 million.

(Key Benefits)

If you fly frequently with Malaysia Airlines, this card is ideal for you. The CIMB Enrich World Mastercard offers access to Malaysia Airlines Golden Lounges as well as air miles when you use it for retail purchases.

Key Benefits

  • Earn 1 Bonus Mile for every RM1.50 spent overseas.
  • Earn 1 Bonus Mile on every RM3 spent locally.
  • Enjoy 8x free access to Malaysia Airlines Golden Lounges at KLIA International, KLIA Regional, KLIA Domestic, London, Penang, Kota Kinabalu, and Kuching.
  • Get golf privileges at selected golf courses across the world.
  • Get travel insurance coverage of up to RM1 million when you charge the air tickets with your card.
  • Get access to Malaysia Airlines’ travel offers 4 hours before they are released to the public.
  • Get 24/7 World Mastercard Concierge Services.
  • Get emergency cash anytime you want.
  • Get a free one-way premium ride between Klang Valley and KLIA/KLIA2.
  • Enjoy dining discounts of up to 50% at the selected restaurants in Malaysia, Singapore, and Indonesia.
Additional Points Description
How to Use it
  • Charge your CIMB Enrich World Mastercard with retail purchases to earn Bonus Miles.
  • Redeem 1,000 Bonus Miles for 1,000 Enrich Miles.
Good About it
  • Enjoy faster check-outs with the free Touch ‘n Go Zing Card that comes along with this card.
  • Make use of the CIMB Premiere Travel Desk for all your travel needs.
  • The annual fee can be waived depending on your spends.
    • 100% annual fee waiver when you spend RM500,000 and above.
    • 50% annual fee waiver when you spend from RM250,000 to RM499,999.
Keep in Mind
  • The earned Bonus Miles are only valid for three years. All unused Bonus Miles will be forfeited.
  • The minimum income requirement for this card is RM100,000 p.a.
  • The airport premium ride deal is valid until 31 March 2019.

Who Should Get it?

  • Those who travel by Malaysia Airlines regularly.

Maybank World Mastercard

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

5x Treats AirMiles for every RM1 spent overseas.

5x Treats AirMiles for every RM2 spent locally.

1x Treats AirMile for utility bill payment, fuel purchases, insurance premium payments, and payments made at educational institutions.

(Air Miles)

Principal card: RM1,000.

Supplementary card: Waived.

(Annual Fee)

5x complimentary access to participating Plaza Premium Lounges at local and international airports.

Travel insurance coverage of up to RM2 million.

(Key Benefits)

Earn air miles in the form of Treats AirMiles when you use your card for retail purchases. This card also offers access to selected Plaza Premium Lounges, concierge services, and golf privileges.

Key Benefits

  • Earn 5x Treats AirMiles for every RM1 spent overseas and for every RM2 spent locally.
  • Earn 1x Treats AirMile for utility bill payment, petrol purchases, insurance premium payments, and payments made at educational institutions.
  • Get 5x complimentary access to participating Plaza Premium Lounges at local and international airports.
  • Stay safe with travel insurance coverage of up to RM2 million when you charge your ticket to your card.
  • Enjoy complimentary green fees at selected golf courses. Guests can enjoy 10% savings as well.
  • Opt for balance transfer plans starting from 0% p.a.
  • Enjoy privileges with Mastercard Airport Experiences provided by LoungeKey in more than 1,000 lounges in over 500 airports.
  • Get debt relief up to RM100,000 per card with Credit Care Plus Plan.
  • Get dining discounts from SPG Hotels & Resorts in Malaysia.
  • Get a superior line of credit with this card.
Additional Points Description
How to Use it
  • Use your Maybank World Mastercard for retail transactions as well as bill payments to earn Treats AirMiles.
  • Redeem the Treats AirMiles with frequent flyer programmes of Malaysia Airlines. (6,000 Treats AirMiles = 1,000 Enrich Miles).
Good About it
  • Get 50,000 Treats AirMiles upon card activation.
  • The Treats AirMiles earned on this card are valid for life.
  • Enjoy discounts on shopping and travel with Mastercard Moments.
  • Make use of World Mastercard Concierge Services for travel assistance.
Keep in Mind
  • If you want the card’s annual fee waived, you need to spend a minimum of RM120,000 per year.
  • The minimum income requirement for this card is RM120,000 p.a.
  • You don’t earn Treats AirMiles for payments made to government agencies.

Who Should Get it?

  • Those who use their card for dining and making hotel reservations.
  • Those who enjoy playing golf.
  • Those who travel a lot.

OCBC Premier Voyage Mastercard

Card Name
Air Miles
Annual Fee
Key Benefits
Know More

1 Voyage Mile for every RM3 spent overseas.

1 Voyage Mile for every RM5 spent locally.

(Air Miles)

Principal card: RM750.

Supplementary card: RM500.

( Annual Fee)

Complimentary travel insurance up to USD1 million.

4x complimentary access to the Flight Club at KLIA per calendar.

(Key Benefits)

If you are an OCBC Premier Banking member, this card is ideal for you. Travel to any destination of your choice whenever you want when you charge the air ticket to your card.

Key Benefits

  • Earn 1 Voyage Mile for every RM3 spent overseas and for every RM5 spent locally.
  • Enjoy complimentary travel insurance up to USD1 million when you charge your card with the airfare.
  • Book your tickets using the card and fly to any destination anywhere, at any time.
  • Get 4x complimentary access to the Flight Club at KLIA per calendar.
  • Enjoy 24/7 concierge services for making reservations, itinerary planning, and personal assistance.
  • The card is made of duralumin.
Additional Points Description
How to Use it
  • Use your OCBC Premier Voyage Mastercard for local and overseas spends to earn Voyage Miles.
  • Redeem the Voyage Miles on frequent flyer programme of the airline of your choice.
Good About it
  • The Voyage Miles you earn never expire.
  • There are no blackout days when you buy air tickets using the card.
  • The annual fee is waived for this card for the first year.
  • The standard administration cost for foreign transactions is not applicable to this card.
Keep in Mind
  • This card is only for OCBC Premium Banking customers.
  • The card’s credit limit will be set as per the approval of the bank.

Who Should Get it?

  • OCBC Premier Banking members
  • Those who travel overseas frequently.

How to Choose the Best Air Miles Credit Card of 2018

Use this guide to compare and choose the card that is best suited to you. Make sure you read the terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs.

Review

Maybank World Mastercard

Though each card has its own unique features and benefits, when you compare all the above-mentioned cards, Maybank World Mastercard stands out. This card offers your Treats AirMiles that are valid for life. You can earn these air miles when you carry out retail transactions and when you pay bills and insurance premium.

This card also comes with travel-related perks, such as access to selected Plaza Premium Lounges, travel insurance coverage, access to selected lounges, and complimentary green fees. What’s more, this card offers discounts and deals on shopping, dining, and travel from selected partners.

Illustration

To understand the working mechanism of Maybank World Mastercard, let’s take the following example. Let’s assume you have used your card for a monthly expenditure of RM3,500. The following table explains the spend categories and how you can earn air miles:

Type of Transaction Amount Spent Treats AirMiles Earned Treats AirMiles Calculation Total Treats AirMiles Earned
Bill Payment RM300 1x Treats AirMile 300 Treats AirMiles 9,000 Treats AirMiles
Insurance Payment RM300 1x Treats AirMile 300 Treats AirMiles
Local Purchases RM1,000 5x Treats AirMiles for every RM2 spent 2,500 Treats AirMiles
Overseas Purchases RM1,000 5x Treats AirMiles for every RM1 spent 5,000 Treats AirMiles
Petrol Purchases RM400 1x Treats AirMile 400 Treats AirMiles
Payments Made at Educational Institutes RM500 1x Treats AirMile 500 Treats AirMiles

With a monthly spend of RM3,500, you can earn 9,000 Treats AirMiles. If you are a new cardholder, you can earn 50,000 Treats AirMiles upon card activation, which makes the total a whopping 59,000 Treats AirMiles. You can either accumulate the points or Redeem the Treats AirMiles with frequent flyer programmes by Malaysia Airlines. For every 6,000 Treats AirMiles you earn, you can redeem 1,000 Enrich Miles.

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