Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Air Miles Credit Cards of 2018

    An air mile credit card rewards you with air miles for 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 4th September 2018

    Card Name
    Air Miles
    Annual Fee
    Key Benefits
    Know More

    1 AirMile on every RM6 spent locally.

    RM600.

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

    1.1 Air Miles for every RM1 spent overseas.

    Principal card: RM600. Waived for the first year.

    A complimentary travel cover of up to RM750,000.

    1 PremierMile for every RM3 spent locally.

    2 PremierMiles for every RM3 spent in foreign currencies.

    Principal card: RM600.

    Enjoy unlimited access to select Plaza Premium Lounges in Malaysia.

    1 Voyage Mile for every RM3 spent overseas.

    1 Voyage Mile for every RM5 spent locally.

    Principal card: RM754.72.

    Supplementary card: RM500.

    Waived for the first year.

    Get assistance to plan your travel itinerary with the Voyage Exchange concierge service.

    1 Bonus Mile for every RM1 spent overseas.

    1 Bonus Mile for every RM2 spent locally.

    Principal card: RM1,215.09.

    Supplementary card: RM271.70.

    Redeem 1,000 Bonus Miles with 1,000 Enrich Miles.

    5 TreatsAirMiles for every RM1 spent overseas

    5 TreatsAirMiles for every RM2 spent locally.

    Principal card: RM1,000.

    Supplementary card: RM500.

    Waived for the first 4 cards.

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

    1 Enrich Mile for every RM2 spent overseas.

    1 Enrich Mile for every RM3 spent locally.

    Principal card: Waived.

    Supplementary card: RM300.

    Waived for the first three supplementary cards.

    Redeem free flights with frequent flyer programme of Malaysia Airlines.

    1 Enrich Mile when you spend RM1.8 overseas.

    1 Enrich Mile when you spend RM2.8 locally.

    Principal card: Free for life, with no conditions attached.

    Supplementary card: Free for life, with no conditions attached.

    None

    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.

    OCBC Premier Voyage Mastercard Credit Card

    This card comes with an annual fee waiver for the first year. Moreover, it offers Voyage Miles for both your local and overseas purchases.

    Key Benefits

    • Earn 1 Voyage Mile on every RM5 spent in Malaysia.
    • Earn 1 Voyage Mile on every RM3 spent overseas.
    • Earned Voyage Miles do not have any expiry date.
    • You can redeem your Voyage Miles for any airline of your choice.
    Additional Points Description
    How to Use It
    • Use this card to enjoy concierge service that helps you make reservations to concerts, dining, and, other events.
    • Use this card to get 4x complimentary access to the Flight Club at KLIA per year.
    Good about It
    • No blackout dates are applicable to earn Voyage Miles.
    • The card is made of duralumin.
    • Get a free personal accident insurance cover of up to USD 1 million.
    Keep in Mind
    • You need to charge full airfare to the card to earn the complimentary insurance.

    Who Should Get It

    • Those who travel frequently.

    CIMB Enrich World Elite Mastercard

    CIMB Enrich World Elite Mastercard offers air miles when you carry out local and overseas retail transactions. You can redeem the air miles you accumulate with Malaysia Airlines’ frequent flyer programme.

    Key Benefits

    • Earn 1 Bonus Mile for every RM1 you spent overseas.
    • Earn 1 Bonus Mile for every RM2 you spend locally.
    • Earn 1 Bonus Mile for every RM4 spent on both local and overseas spends.
    • Earn 1 extra Bonus Mile for every RM1 spent on booking Malaysia Airlines flights online.
    • Stay protected with travel insurance coverage of up to USD2 million.
    • Get unlimited complimentary access to Malaysia Airlines Golden Lounges worldwide.
    • Enjoy golfing privileges.
    Additional Points Description
    How to Use It
    • Use your card for carrying out local and overseas retail transactions and earn Bonus Miles.
    • Redeem 1,000 Enrich Miles with 1,000 Bonus Miles.
    Good about It
    • Enjoy priority booking on all deals and offers by Malaysia Airlines.
    • Get purchase protection of up to USD1,000 when you shop online
    • Enjoy privileges on hotel, dining, and shopping.
    Keep in Mind
    • The Bonus Miles are valid for a period of three years.
    • The Bonus Miles earned on supplementary cards will be transferred to the principal card.
    • The minimum income requirement of this card is RM250,000 p.a.

    Who Should Get It

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

    Maybank World Mastercard

    If you like to travel, this card is ideal for you. You not only get rewards when you shop locally and overseas, you also get many other privileges with this card, including airport lounge access, concierge services, and travel insurance coverage.

    Key Benefits

    • Earn 5 TreatsAirMiles for every RM1 spent on overseas retail transactions.
    • Earn 5 TreatsAirMiles for every RM2 spent on local retail transactions.
    • Earn 1x TreatsAirMiles for utility payments, petrol purchases, insurance premium payments, and payments made towards educational institutions.
    • Enjoy golf privileges at participating local and international clubs.
    • Get complimentary 5x access to Plaza Premium Lounges at selected local and international airport lounges.
    • Get up to 50% dining discounts at participating SPG Hotels & Resorts in Malaysia.
    • Enjoy round-the-clock Mastercard Concierge Services.
    • Get up to RM2 million travel insurance coverage, which also covers luggage delays, luggage loss, and flight misconnection.
    Additional Points Description
    How to Use It
    • Use your card to carry out local and overseas transactions and earn TreatsAirMiles.
    • Redeem the air miles with frequent flyer programmes of participating partner airlines.
    • Redeem 6,000 TreatsAirMiles with 1,000 Enrich Miles.
    Good about It
    • You get 50,000 TreatsAirMiles upon card approval.
    • The TreatsAirMiles you earn don’t expire.
    Keep in Mind
    • You can get an annual fee waiver provided you spend RM120,000 on retail transactions.
    • The minimum income requirement of this card is RM120,000 p.a.

    Who Should Get It

    • Those who travel regularly.
    • 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.

    Hong Leong Infinite P Card

    Hong Leong Infinite P Card is ideal for those who travel a lot and those who shop overseas. You get air miles when you make retail purchases. These air miles can be redeemed with frequent flyer programmes of Malaysia Airlines.

    Key Benefits

    • Get 1 Enrich Mile when you spend RM1.8 on overseas retail transactions.
    • Get 1 Enrich Mile when you spend RM2.8 on local retail transactions.
    • Get free travel insurance coverage of up to RM3 million when you charge the airfare with your card. It also covers flight delays, luggage loss, and other travel inconveniences.
    • Get complimentary 4x access to Priority Pass airport lounges globally in the first year of membership.
    • Enjoy preferential rates of foreign currencies.
    • Get travel assistance when you make use of the Visa Infinite Concierge Services.
    Additional Points Description
    How to Use It
    • Use your card for making local and overseas retail purchases and earn Enrich Miles.
    • Redeem your accumulated Enrich Miles with frequent flyer programmes by Malaysia Airlines.
    Good about It
    • The annual fees are waived for this card, with no conditions attached.
    • You get 24/7 assistance for any card-related queries.
    Keep in Mind
    • You can apply for this card by invitation only.
    • For enjoying the 4x accesses to airport lounges in the subsequent years, you need to make a cumulative retail spend of RM300,000 in the previous year.
    • You won’t earn any Enrich Miles for government purchases and JomPAY transactions.

    Who Should Get It

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

    How to choose the Best Credit Cards for Air Miles

    When you are choosing a card with air miles-related benefits, the conversion rate is the first significant factor to consider. Check how many reward points you can earn when you spend every RM1. Also, consider the conversion rate of the reward points into air miles.

    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.

    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
    Standard Chartered WorldMiles Mastercard 1 AirMile for every RM6 spent locally.
    HSBC Premier Travel Credit Card  Earn 1.1 Air Miles with every RM1 spent overseas.
    Citi PremierMiles Visa Credit Cards

    1 PremierMile for every RM3 spent locally.

    2 PremierMiles for every RM3 spent in foreign currencies.

    OCBC Premier Voyage Mastercard Credit Card

    1 Voyage Mile for every RM3 spent overseas.

    1 Voyage Mile for every RM5 spent locally.

    CIMB Enrich World Elite Mastercard

    1 Bonus Mile for every RM1 spent overseas.

    1 Bonus Mile for every RM2 spent locally.

    Maybank World Mastercard

    5 TreatsAirMiles for every RM1 spent overseas.

    5 TreatsAirMiles for every RM2 spent locally.

    Mach Signature Credit Card

    1 Enrich Mile for every RM2 spent overseas.

    1 Enrich Mile for every RM3 spent locally.

    Hong Leong Visa Infinite P Card

    1 Enrich Mile when you spend RM1.8 overseas.

    1 Enrich Mile when you spend RM2.8 locally.

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