• Best Premium Credit Cards 2018

    Best Premium Credit Cards

    A premium credit card is the one that offers a complete different set of privileges to the cardholders such as air miles, airport lounge access, travel insurance and golf privileges. A few of these cards are invitation-only cards i.e., you cannot get the card unless the bank invites you to own the card. You qualify to own a premium card based on your annual income and a few other criteria; in which case, the privileges and rewards offered by the card are suitable to your lifestyle.

    Here are the Best Premium Credit Cards in Malaysia 2018

    Updated on 9th May 2018

    Credit Card Name
    Premium Privileges
    Rewards Programme
    Interest Rate
    Annual Fee
    Know More

    Access to over 86 golf clubs around the world

    5 Treats AirMiles for every RM1 spent on overseas transactions 5 Treats AirMiles for every RM2 spent on local transactions

    15% p.a.-18% p.a.

    RM1,000 for the first year; waived from the second year on a monthly spend of RM120,000

    Complimentary Priority Pass Membership at over 850 VIP lounges

    5x Timeless Bonus Points on overseas transactions 2x Timeless Bonus Points on local transactions

    15% p.a.-18% p.a.

    Waived on a minimum spend of RM30,000 per year

    Plaza Premium Lounge access at 26 major airports worldwide

    Earn 5 AmBonus Points on every RM1 spent overseas

    15% p.a.-18% p.a.

    Lifetime waiver

    3 complimentary access to Plaza Premium Lounge in Malaysia

    3 Air Miles Points on every RM1 overseas retail spend

    15% p.a.-18% p.a.

    Lifetime waiver

    Access to Priority Pass Lounges worldwide

    1 Enrich Mile for every RM1.8 spent on overseas transactions. 1 Enrich Mile for every RM2.8 spent on local transactions

    15% p.a.-18% p.a.

    Lifetime waiver

    8 visits to Malaysia Airlines Golden Lounges

    1 Bonus Mile for every RM1.5 spent on overseas expenses 1 Bonus Mile for every RM3 spent on local expenses

    15% p.a.-18% p.a.

    RM588

    Unlimited access to Premium Lounges in Malaysia

    2 PremierMiles on every RM3 spent in foreign currency 1 PremierMile for every RM3 spent on local expenses

    15% p.a.-18% p.a.

    RM636

    Unlimited Plaza Premium Lounge access in Malaysia

    3 WorldMiles for every RM2 spent on overseas purchases 1 WorldMile for every RM3 spent on local purchases

    15% p.a.-18% p.a.

    Waived for the first year; RM636 from the second year

    Maybank World Mastercard Credit Card

    This card offers air miles on all transactions. It also offers premium golfing privileges and Lounge access worldwide.

    Key Benefits:

    • Earn 5 Treats AirMiles on every RM2 you spend in Malaysia or on every RM1 you spend abroad.
    • Enjoy the golf club privileges in Malaysia, Thailand, Vietnam, Cambodia, Australia and United States of America.
    • Get complimentary access to Plaza Premium Lounges in Malaysia and abroad.
    • Enjoy 50% off on dining and up to 20% off on accommodation at all participating SPG Hotels & Resorts in Malaysia.
    • Get a complimentary travel insurance cover up to RM2 million when you pay the flight fare completely with your card.
    Additional Points Description
    How to Use It
    • Use your card for any local or overseas transactions.
    • Redeem 6,360 Treats AirMiles for 1,000 Enrich Miles
    Good about It
    • Bonus on card approval of 50,000 Treats AirMiles.
    • Enjoy free flights.
    • Treats AirMiles that do not expire.
    • Customised  credit limit according to your needs.
    Keep in Mind
    • Minimum annual income is RM120,000.
    • The dining privileges are confined to SPG Hotels & Resorts.

    Who Should Get It:

    If you are a frequent traveller, get the benefit of Treats AirMiles and redeem free flights. Get access to golf clubs across the world. Additionally, get a good number of bonus Treats AirMiles on card approval.

    Alliance Bank Visa Infinite Credit Card

    This card offers rewards points on all transactions. It also offers premium privileges such as Lounge access and Priority Pass membership.

    Key Benefits:

    • Earn 5 Timeless Bonus Points on every RM1 spent overseas.
    • Earn 2 Timeless Bonus Points on every RM1 spent on local locally.
    • Get unlimited access to KLIA Plaza Premium Lounge.
    • Save 20% at Plaza Premium Lounges across the world.
    • Get complimentary travel accident insurance cover up to RM2 million.
    Additional Points Description
    How to Use It
    • Use your card for all transactions especially overseas purchases.
    • Get 1000 Enrich Miles in exchange of 6000 Timeless Bonus Points.
    • Redeem 1000 AirAsia BIG points with 3000 Timeless Bonus Points.
    Good about It
    • Complimentary supplementary card.
    • Dedicated travel assistance hotline to have your itinerary planned and well organised.
    • Privilege Banking services.
    Keep in Mind
    • Spend on petrol and government agencies does not award Timeless Bonus Points.

    Who Should Get It:

    The card will be useful to you if you are a frequent traveller. This card provides you with a number of benefits to make your travel comfortable. The complimentary premium plaza access, dedicated travel assistance, rewards, free flights and more are some of the benefits and privileges offered by the card. Get the annual fee waived when you meet the minimum spend criterion of RM30,000 in a year.

    AmBank World Mastercard

    This card offers rewards points, Lounge access, dining privileges and concierge services.

    Key Benefits:

    • Get complimentary travel insurance cover of up to RM2 million.
    • Save 50% on green fees at selected golf courses across South-East Asia.
    • Enjoy Premium Plaza Lounge access in more than 26 airports worldwide.
    • Get a complimentary Hilton Premium Club Membership Card.
    • Enjoy up to 50% discount on dining at participating Hilton Hotels in across Asia.
    • Save 10% on best room rates at Hilton Hotels in Asia.
    • Earn 5 AmBonus Points on every RM1 spent abroad.
    Additional Points Description
    How to Use It
    • Use your card on all your transactions.
    • Redeem at merchant partners such as ESH, SenQ, Courts, Sen Heng, Cosway and MYDIN.
    • Convert the AmBonus Points into Airline Miles at over 50 airlines.
    • Redeem products from the Redemption Catalogue based on the number of AmBonus Points accumulated.
    Good about It
    • e-Commerce purchase protection against online fraud.
    • Security against theft or robbery worldwide round-the-clock.
    • 24-hour Mastercard Concierge Service on trip planning, entertainment, medical assistance and more.
    Keep in Mind
    • This is an invitation only card..
    • All online transactions do not offer 5 AmBonus Points.

    Who Should Get It:

    If you travel frequently and shop abroad, then this card offers many benefits. Since AmBank World Mastercard is an invitation-only card, maintain a good credit score to be eligible for card. Get premium privileges in Malaysia and overseas.

    Public Bank World Mastercard

    This card offers points, travel insurance, access to Premium Lounges and purchase protection plan.

    Key Benefits:

    • Earn 3 Air Miles Points for every RM1 spent on overseas retail purchases.
    • Earn 1 Air Miles Point on every RM1 spent on local retail purchases.
    • Get a complimentary travel insurance cover up to RM500,000.
    • Enjoy e-Commerce Purchase Protection up to USD200.
    • Get your wallet and cards replaced with the Wallet Guard feature in case of theft or robbery.
    Additional Points Description
    How to Use It
    • Use your card for any local or overseas retail purchases.
    • Redeem 1,000 Enrich Miles or 2,000 AirAsia BIG Points with 6,000 Air Miles Points.
    Good about It
    • Mastercard PayPass with contactless technology to increase the speed of payments.
    • World Help Desk available 24/7 to assist you.
    Keep in Mind
    • Air Miles Points are valid for only 3 years.

    Who Should Get It:

    Save on flight tickets if you are a frequent traveler. Get a complimentary travel insurance and wallet guard protection. Convert the rewards you earn from retail spend into free flights. All these facilities are available without any annual fees.

    Hong Leong Bank Infinite P

    This card offers Enrich Miles, Priority Pass access, travel insurance and concierge services.

    Key Benefits:

    • Convert your local and overseas expenses into Enrich Miles.
    • Enjoy the services of Premium Travel Desk.
    • Get complimentary travel insurance up to RM3 million.
    • Get 4 complimentary visits to Priority Pass airport lounges across the globe.
    Additional Points Description
    How to Use It
    • Use your card for all local and overseas spending.
    • Accumulate Enrich Miles to enjoy free flights.
    Good about It
    • Preferred rates on foreign currency conversion at selected airports.
    • Card-related services round-the-clock, from any location.
    • Concierge services to resolve your queries related to dining and theatre reservations.
    Keep in Mind
    • Government, JomPAY-related payments and cash advances are not considered for Enrich Miles conversion.

    Who Should Get It:

    This is an invitation-only card. It is suitable for you if you love to travel abroad frequently. Every transaction you make locally or overseas is automatically converted into Enrich Miles. Enjoy multiple premium services with this card across the globe.  

    CIMB Enrich World Mastercard

    This card offers Bonus miles, access to Golden Lounges, travel insurance, concierge services and exclusive golf privileges.

    Key Benefits:

    • Earn Bonus Miles on all local and overseas purchases. .
    • Enjoy complimentary green fees for 4 visits per golf club per year.
    • Get complimentary travel insurance cover of up to RM1 million.
    Additional Points Description
    How to Use It
    • Use your card for all transactions across Malaysia and overseas.
    • Redeem 1,000 Enrich Miles with 1,000 Bonus Miles.
    Good about It
    • Knowledge of Malaysia Airlines offers before the offer is released to the general public.
    • World Mastercard Concierge Service, Mastercard Global Service and dedicated CIMB Premier Travel Desk assistance.
    • Invitation-only events across the world such as VIP backstage passes to exclusive events.
    • 50% discount on hotel dining privileges at the participating hotel partners.
    • Complimentary airport premium ride between Klang Valley and KLIA/KLIA2.
    Keep in Mind
    • Bonus Miles are valid for 3 years.
    • Minimum annual income is RM100,000.

    Who Should Get It:

    This card is suitable if you love to attend exclusive worldwide events and travel overseas frequently. Get a waiver on annual fees by spending RM500,000 and above in a year. Enjoy exclusive gold privileges at renowned golf courses worldwide.

    Citi PremierMiles Visa Card

    This card offers PremierMiles, bonus miles, access to Plaza Lounges, complimentary rides and travel insurance.

    Key Benefits:

    • Earn 1 PremierMile on every ringgit spent on local purchases.
    • Earn 2 PremierMiles on every overseas purchases and selected online merchants.
    • Get unlimited access to Plaza Premium Lounge across Malaysia.
    • Save up to 45% on dining at selected restaurants across Malaysia.
    • Get 30% off on green fees on weekdays at over 30 golf clubs across Asia.
    Additional Points Description
    How to Use It
    • Swipe your card for only expenses locally and overseas.
    • Redeem 1,000 Air Miles with 1,500 PremierMiles at over 90 airline partners.
    • Pay for your recent purchases with the PremierMiles accumulated via Citi Online.
    • Pay for your retail purchases with PremierMiles at Instant Rewards merchants.
    • Redeem 30,000 PremierMiles for the annual fee of RM600.
    Good about It
    • 10,000 PremierMiles on your card anniversary if you pay the annual fee.
    • Petrol transactions are eligible to earn PremierMiles.
    • Complimentary ride home from KLIA.
    Keep in Mind
    • Plaza Premium Lounge access offered only on  international flights.
    • Minimum annual income is RM100,000.

    Who Should Get It:

    The card will be suitable for you if you travel overseas and dine at restaurants very often.

    Enjoy many complimentary premium privileges such as travel insurance cover, ride to home, airport lounge access, travel Wi-Fi and discount on green fees at golf clubs.

    Standard Chartered WorldMiles Mastercard

    This card offers WorldMiles, complimentary airport rides, access to Premium Lounges and exclusive offers on travel, shopping and dining.

    Key Benefits:

    • Earn 3 WorldMiles on every RM2 spent overseas.
    • Earn 1 WorldMiles on every RM3 spent locally.
    • Get unlimited access to Plaza Premium Lounges in KLIA.
    • Get a complimentary airport ride up to RM80.
    Additional Points Description
    How to Use It
    • Use your card frequently for all local and overseas purchases.
    • Redeem 2 WorldMiles for 1 AirMile.
    • Use these AirMiles with airline partners such as Asia Miles, KrisFlyer, Enrich and AirAsia BIG.
    • Convert the WorldMiles online into frequent flyer programme or redeem them for travel vouchers.
    Good about It
    • Cashback of up to RM80 on airport limousine or KLIA Ekspres ride to home when you are back from an overseas trip.
    • Premium offers and savings on lifestyle, nightlife, dining, hotels and entertainment.
    Keep in Mind
    • he cashback is applicable only for 3 overseas transactions in the past 30 days.
    • The lounge access is available only in KLIA and KLIA2

    Choose the Best Premium Card

    Compare all the available premium cards in the market before you decide on the right premium card for you. The first criterion you have to check for is whether the card offers the maximum benefits on travel, dining, hotel stays, entertainment, nightlife, airport lounges and golf club access and shopping. It would be great is the card offers you access to exclusive events such as music concerts and fashion weeks.

    If you are interested in an invitation-only card, you can verify whether you qualify for that card based on the requirements mentioned by the bank. You can express your interest for the card on the bank’s website so that the bank can look into it.

    If you are interested in reading about cards in other categories, check the best cashback credit cards and the best shopping credit cards

    BBazaar's Best Premium 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 Premium Privileges
    Maybank World Mastercard Access to over 86 golf clubs around the world
    Alliance Bank Visa Infinite Complimentary Priority Pass Membership at over 850 VIP lounges
    AmBank World Mastercard Plaza Premium Lounge access at 26 major airports worldwide
    Public Bank World Mastercard 3 complimentary access to Plaza Premium Lounge in Malaysia
    Hong Leong Bank Infinite P Access to Priority Pass Lounges worldwide
    CIMB Enrich World Mastercard 8 visits to Malaysia Airlines Golden Lounges
    Citi PremierMiles Visa Signature Card Unlimited access to Premium Lounges in Malaysia
    Standard Chartered WorldMiles Mastercard Unlimited Plaza Premium Lounge access in Malaysia

    Looking for More

    Pick Up the Other Best Credit Card Category You May Like

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.