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  • Best Air Miles Credit Cards of 2018

    Air Miles Credit Cards

    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.

    Here are the Best Credit Cards for Air Miles in Malaysia 2018

    Updated on 13th November 2018

    Card Name
    Air Miles
    Annual Fee
    Key Benefits
    Know More

    1 AirMile on every RM6 spent locally.

    (Air Miles)

    RM600.

    (Annual Fee)

    Redeem free flights with Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

    (Key Benefits)

    1.1 Air Miles for every RM1 spent overseas.

    (Air Miles)

    Principal card: RM600. Waived for the first year.

    (Annual Fee)

    A complimentary travel cover of up to RM750,000.

    (Key Benefits)

    1 PremierMile for every RM3 spent locally.

    2 PremierMiles for every RM3 spent in foreign currencies.

    (Air Miles)

    Principal card: RM600.

    (Annual Fee)

    Enjoy unlimited access to select Plaza Premium Lounges in Malaysia.

    (Key Benefits)

    1 Bonus Mile for every RM1 spent on overseas spends.

    1 Bonus Mile for every RM2 spent on local spends.

    (Air Miles)

    Principal card: RM1,215.09.

    Supplementary card: RM271.70.

    (Annual Fee)

    Redeem Bonus Miles with frequent flyer programmes of Malaysia Airlines.

    (Key Benefits)

    6 BIG Points for every RM1 AirAsia spend.

    1 BIG Point for every RM2 spent overseas.

    BIG Point for every RM3 spend locally.

    (Air Miles)

    Principal card: RM300.

    Supplementary card: RM150.

    (Annual Fee)

    Redeem Bonus Miles with frequent flyer programmes of Air Asia.

    (Key Benefits)

    5 TreatsAirMiles for every RM1 spent overseas.

    5 TreatsAirMiles for every RM2 spent locally.

    (Air Miles)

    Principal card: RM1,000

    Supplementary card: RM500.

    Waived for the first 4 cards.

    (Annual Fee)

    Redeem 6,000 TreatsAirMiles with 1,000 Enrich Miles.

    (Key Benefits)

    1 Enrich Mile for every RM2 spent overseas.

    1 Enrich Mile for every RM3 spent locally.

    (Air Miles)

    Principal card: Waived.

    Supplementary card: RM300.

    Waived for the first three supplementary cards.

    ( Annual Fee)

    Redeem free flights with frequent flyer programme of Malaysia Airlines.

    (Key Benefits)

    Earn 5x UNIRinggit for every RM1 spent on overseas

    (Air Miles)

    Principal card: RM600

    Supplementary card: RM300

    (Annual Fee)

    Redeem the earned UNIRinggit with frequent flyer programmes of participating partners.

    (Key Benefits)

    Standard Chartered WorldMiles Mastercard

    The card gives lets you convert your spend on retail purchases into air miles. Read more to know how the card can benefit you.

    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 the Standard Chartered WorldMiles Mastercard to pay your purchase bills locally and overseas.
    • Redeem 1 AirMile of your preferred frequent flyer programme with 2 WorldMiles.
    • Redeem travel vouchers offered by Asiatravel.com.
    Good about It
    • Enjoy a cashback of up to RM80 when you take the airport limousine to home.
    • Get unlimited access to KLIA/KLIA2 Plaza Premium Lounge.
    Keep in Mind
    • Cashback on airport limousine is available only if you perform 3 overseas transactions in the last 30 days.

    Who Should Get It

    • Those who travel overseas frequently.

    HSBC Premier Travel Credit Card

    You can get the HSBC Premier Travel Credit Card if you are a Premier account holder with the bank. Get unlimited discounts and exclusive offers at many partner outlets in Malaysia and abroad.

    Key Benefits

    • Earn 1.1 Air Miles when you spend RM1 overseas.
    • Earn 1 Air Mile on every RM4 spent locally.
    Additional Points Description
    How to Use It
    • Use your HSBC Premier Travel Credit Card to pay your bills locally and overseas.
    • Accumulate Air Miles every time you pay with the card.
    • Use the Air Miles to redeem free flights, gifts, and vouchers available on the Premier Travel Rewards Catalogue.
    Good about It
    • Enjoy the SmartPrivileges offered by the card.
    • The annual fee of the card is waived for the first year.
    Keep in Mind
    • The Air Miles are capped at 20,000 Air Miles/month for overseas spend and RM30,000 Air Miles/month for local spend.
    • The annual fee for the second year onwards will be waived if you spend a minimum of RM45,000 in the last 12 months.
    • Minimum income requirement of RM36,000 p.a. is required to get this card.
    • You need to be an HSBC Premier account holder with a minimum balance of RM200,000.

    Who Should Get It

    • Those who travel overseas frequently.
    • Those who have an HSBC Premier Account.

    Citi PremierMiles Visa Credit Card

    Enjoy dining, shopping, and travel deals offered by the card in addition to redeeming free flights. The card provides 24-hour priority line for your assistance.

    Key Benefits

    • Earn 1 PremierMile on spending RM3 locally.
    • Earn 2 PremierMiles when you spend every RM3 on select online travel merchants or in foreign currency.
    • Get complimentary travel inconvenience cover, personal accident cover, and medical expenses insurance.
    Additional Points Description
    How to Use It
    • Pay for the retail purchases with the card to earn PremierMiles.
    • Convert these PremierMiles into Air Miles to redeem flight tickets.
    • Redeem 1,000 Air Miles with 1,500 PremierMiles.
    Good about It
    • The PremierMiles do not expire.
    • Get 10,000 PremierMiles every year if 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 your age is under 70 years.
    • Who Should Get It
    • Those who travel abroad often.
    • Those who make retail purchases locally and overseas.

    CIMB Enrich World Elite Mastercard

    CIMB Enrich World Elite Mastercard offers high rewards when you carry out retail transactions. You can use this card to enjoy deals by Malaysia Airlines.

    Key Benefits

    • Earn 1 Bonus Mile for every RM1 spent overseas and for every RM2 you spend locally. Continue to spend more than 150,000 Bonus Miles and earn 1 Bonus Mile for every RM4 spent locally and overseas.
    • Get travel insurance coverage of up to USD 2 million when you charge the airfare with your card.
    • Enjoy unlimited free access to Malaysia Airlines Golden Lounges worldwide.
    • Get discounts on green fees at participating golf courses.
    Additional Points Description
    How to Use It
    • Use your card for overseas and local spends to earn Bonus Miles.
    • Redeem the accumulated Bonus Miles with frequent flyer programmes of Malaysia Airlines. (1,000 Enrich Miles = 1,000 Bonus Miles).
    Good about It
    • With this card you get priority booking on all Malaysia Airlines deals.
    • Enjoy purchase protection of up to USD1,000 when you shop online using this card.
    • Enjoy exclusive deals on shopping, dining, and hotel.
    Keep in Mind
    • The minimum income requirement of this card is RM250,000 p.a.
    • The Bonus Miles come with a validity of three years.
    • Even if the supplementary cardholder earns Bonus Miles, the air miles will be transferred to the principal cardholder’s account.

    Who Should Get It

    • Those who travel by Malaysia Airlines.
    • Those who shop overseas regularly.

    Hong Leong Air Asia Platinum Credit Card

    If you are a frequent Air Asia flyer, this card is ideal for you. This card offers air miles in the form of BIG Points when you shop overseas or locally. You also get welcome and quarterly air miles with this card.

    Key Benefits

    • Earn 6 BIG Points for every RM1 AirAsia spend.
    • Earn 1 BIG Point for every RM2 spent on overseas retail transactions.
    • Earn1 BIG Point for every RM3 spend on local retail transactions.
    • Get up to 25,000 welcome and quarterly BIG Points.
    • Enjoy priority check-in boarding, and baggage collection. You earn even earn up to 7x more BIG Points.
    • The annual fee is waived for the first year.
    Additional Points Description
    How to Use It
    • To earn BIG Points, use this card when you book your flight tickets as well as for overseas and local retail spends.
    • Redeem the BIG Points you earn with frequent flyer programmes of Air Asia.
    Good about It
    • The card comes with a minimum credit limit of RM12,000.
    • The minimum income requirement of this card is RM60,000.
    • You can earn air miles easily with this card.
    Keep in Mind
    • 5,000 Welcome BIG Points will be given to cardholders if they spend a minimum of RM2,500 within 60 days of card approval. An additional 5,000 Additional BIG Points will be given per quarter when the cardholder makes a minimum spend of RM 5,000 per calendar quarter
    • You get an annual fee waiver only if you swipe your card within 45 days of card approval

    Who Should Get It

    • Those who fly Air Asia.
    • Those who spend overseas.

    Maybank World Mastercard

    Shop overseas and earn high rewards with Maybank Wold Mastercard. Additionally, you earn access to participating Plaza Premium Lounges and also travel insurance coverage.

    Key Benefits

    • Earn 5 TreatsAirMiles for every RM1 spent overseas and for every RM2 spent locally.
    • Earn 1x TreatsAirMiles for utility bill payments, insurance premium payments, and payments made towards educational institutions.
    • Earn 1x TreatsAirMiles for fuel purchases.
    • Enjoy travel insurance coverage of up to RM2 million.
    • Enjoy 5x access to Plaza Premium Lounges at participating local and international airport lounges.
    • Enjoy discounts on dining and room rates at participating SPG Hotels & Resorts in Malaysia.
    • Enjoy concierge services with this card.
    • Enjoy green fees at participating partner outlets.
    Additional Points Description
    How to Use It
    • Shop using your card and earn TreatsAirMiles.
    • Redeem the air miles with frequent flyer programmes of Malaysia Airlines (6,000 TreatsAirMiles = 1,000 Enrich Miles).
    Good about It
    • You earn 50,000 TreatsAirMiles when you card is approved.
    • The TreatsAirMiles you earn are valid for life.
    Keep in Mind
    • The minimum income requirement of this card is RM120,000 p.a.
    • You need to spend RM120,000 in order to get an annual fee waiver.

    Who Should Get It

    • Those who travel frequently.
    • Those who shop overseas.

    Mach Signature Credit Card

    The Mach Signature Credit Card offers air miles when you use your card to make purchases locally or overseas. You can redeem the air miles with frequent flyer programmes offered by Malaysia Airlines.

    Key Benefits

    • Earn 1 Enrich Mile for every RM2 spent on overseas retail transactions.
    • Earn 1 Enrich Mile for every RM3 spent on local retail transactions.
    • Enjoy 2x accesses to any Plaza Premium Lounges in Malaysia and Singapore.
    • Stay protected with travel insurance of up to RM1.5 million when you pay the full airfare using your card.
    • Enjoy preferential foreign exchange rates.
    Additional Points Description
    How to Use It
    • Use your Mach Signature card for carrying out retail transactions and earn Enrich Miles.
    • Redeem the accumulated Enrich Miles with frequent flyer programmes offered by Malaysia Airlines.
    Good about It
    • The minimum income requirement of this card is just RM24,000 p.a.
    • The annual fees for the principal card and for the first three supplementary cards are waived.
    • Enjoy concierge services with this card.
    Keep in Mind
    • Only registered Enrich members can earn Enrich Miles.
    • If you want to enjoy airport lounge access for the following years, you need to make a minimum spend of RM50,000 per year.

    Who Should Get It

    • Those who travel by Malaysia Airlines.
    • Those who like to travel and shop overseas.

    UOB Visa Infinite Card

    UOB Visa Infinite Card is ideal for those who shop overseas. You earn rewards in the form of UNIRinggit and also get additional travel perks. You also get rewards when you shop during your birthday month.

    Key Benefits

    • Get 3,000 Enrich Miles upon card activation.
    • Earn 5x UNIRinggit for every RM1 spent on overseas retail transactions.
    • Earn SMART$ Rebates when you shop at participating partner outlets.
    • Get travel insurance coverage of up to RM500,000 when you charge your card with the full airfare.
    • Get 4x free accesses to participating airport lounges.
    • Get discounts on green fees with this card.
    Additional Points Description
    How to Use It
    • Shop overseas using your card to earn UNIRinggit.
    • Redeem the earned UNIRinggit on lifestyle items, gift vouchers, and air miles.
    • Earn SMART$ Rebates when you shop at participating partner outlets. Redeem the points the next time you shop at these outlets.
    Good about It
    • Spend using this card and double the UNIRinggit Rewards you earn every quarter.
    • Shop during your birthday month and double the air miles you earn.
    • Get exclusive offers on shopping, dining, and travel.
    Keep in Mind
    • You need to earn at least RM120,000 per year to be eligible to apply for this card.
    • To enjoy the sign-up offer, you need to spend RM3,000 within two months of card activation.
    • While UNIRinggit is valid for three years, SMART$ Rebates come are valid only for a year.

    Who Should Get It

    • Those who travel and shop overseas.

    How to choose the Best Credit Cards for Air Miles

    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.

    The conversion rate differs with each airline partner. Keep in mind that the number of air miles required to redeem for a free flight depends on the distance of your journey.

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all 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.

    Other than Air Miles credit cards, you can also compare best rewards credit cards and best shopping credit cards to choose a card that offers you benefits on all these categories.

    Review

    From all the cards that give rewards in the form of air miles, the one that stands out is Hong Leong Air Asia Platinum Credit Card. This card gives you high rewards (6 BIG Points) which can be used for redeeming with frequent flyer programme of Air Asia. You earn rewards not only when you shop using the card, but you will also be eligible for welcome and quarterly BIG Points. Unlike most cards, the minimum income requirement of this card is just RM60,000 p.a. Furthermore, the card comes with a minimum credit limit of RM12,000.

    Illustration

    Take a look at the following example to understand how Hong Leong Air Asia Platinum Credit Card works. Let’s say you have carried out transactions worth RM4,500 in the previous month. The table below explains the type of transactions and the total air miles earned.

    Type of Transaction Amount Spent Rewards Points Earned Total BIG Points Earned
    Overseas Spends RM1,000 500 13,000 BIG Points
    Local Spends RM1,500 500
    Air Asia Spends RM2,000 12,000

    When you use your Hong Leong Air Asia Platinum Credit Card to carry out transactions worth RM4,500, you earn 13,000 BIG Points. If you are a new cardholder, you will receive 5,000 Welcome BIG Points (as you have spent more than RM2,500 within 60 days of card approval). If you make a purchase of RM500 more the next month, you will get an additional 5,000 BIG Points. So the total points earned for new cardholders will be 23,000 BIG Points! This can be redeemed whenever you fly Air Asia.

    BBazaar's Best Air Miles Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all 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. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Miles
    CIMB Enrich World Elite Mastercard

    1 Bonus Mile for every RM1 spent on overseas spends.

    1 Bonus Mile for every RM2 spent on local spends.

    Hong Leong Air Asia Platinum Credit Card 

    6 BIG Points for every RM1 AirAsia spend.

    1 BIG Point for every RM2 spent overseas.

    BIG Point for every RM3 spend locally.

    Maybank World Mastercard

    5 TreatsAirMiles for every RM1 spent overseas.

    5 TreatsAirMiles for every RM2 spent locally.

    UOB Visa Infinite Card

    Earn 5x UNIRinggit for every RM1 spent on overseas

    Standard Chartered WorldMiles Mastercard

    1 AirMile for every RM6 spent locally.

    HSBC Premier Travel Credit Card

    1.1 Air Miles for every RM1 spent overseas.

    Citi PremierMiles Visa Credit Card

    1 PremierMile for every RM3 spent locally.

    2 PremierMiles for every RM3 spent in foreign currencies.

    Mach Signature Credit Card

    1 Enrich Mile for every RM2 spent overseas.

    1 Enrich Mile for every RM3 spent locally.

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