• Best Travel Credit Cards of 2018

    Best Credit Cards for Travel

    Whether you travel for work or pleasure, a travel credit card can be a great companion for you as it offers many benefits such as travel insurance, wallet protection in the unfortunate event of theft, exclusive concierge service, and airport lounge access. Travel cards also offer exclusive travel privileges such as discounts on hotel accommodations and dining across Malaysia and overseas.

    This guide will explain more about the benefits and privileges of travel cards. Here is a list of cards that globetrotters can consider taking based on their travelling pattern and needs.

    The rebates and discounts offered by the top travel credit cards 2018

    Updated on 9th May 2018

    Card Name
    Miles
    Travel Insurance
    Airport Lounge Access
    Concierge Service
    Know More

    3 WorldMiles for every RM2 spent on overseas expenses 1 WorldMile for every RM3 spent on local expenditures Convert 2 WorldMiles to 1 AirMile of a preferred frequent flyer programme

    -

    Complimentary access to Plaza Premium Lounge in Kuala Lumpur International Airport (KLIA) and KLIA2

    Yes

    Convert AmBonus Points to Air Miles with world class Frequent Flyer/Travel Reward

    Up to RM2 million

    Access to Plaza Premium Lounge in more than 26 major airports both in Malaysia and overseas

    Yes

    50,000 Treats AirMiles upon card approval 5x Treats AirMiles for every RM2 spent on local purchases 5x Treats AirMiles for every RM1 spent on overseas expenses

    Up to RM2 million

    Unlimited access to more than 680 priority pass lounges

    -

    Complimentary flights or upgrades using Timeless Bonus Points (TBP)

    Up to RM2 million

    Complimentary access to KLIA Plaza Premium Lounge

    Yes

    1,000 Air Miles for 4,770 Treats Points

    Up to RM2 million if

    Access to local and international Plaza Premium lounges

    Yes

    1 Bonus Mile for every RM1 spent on overseas retail expenses 1 Bonus Mile for every RM2 spent locally up to 150,000 Bonus Miles

    Up to USD 2,000,000

    Unlimited access to Malaysia Airlines Golden Lounge, both within Malaysia and outside

    Yes

    Standard Chartered WorldMiles World Mastercard

    This card offers air miles, lounge access, airport ride and other travel privileges across the globe.
    • Earn WorldMiles for all local and overseas expenses.
    • Enjoy a complimentary ride from airport up to RM80.
    • Enjoy special merchant offers from more than 700 spots in Singapore and Malaysia.
    • Get access to golf courses all over the world.
    Additional Points Description
    How to Use It
    • Use this card to earn AirMiles and to enjoy many dining and shopping deals too.
    Good about It
    • Up to RM80 cashback on your airport rides back home from your overseas travel.
    • Shopping, dining, and travel deals in over 33 countries at selected outlets under the Good Life Privileges programme.
    Keep in Mind
    • No free travel insurance.
    • Minimum income requirement is RM90,000 p.a.
    • Annual fee is RM636.
    • Free airport ride transfer only for 3x overseas transactions in 1 month.

    Who Should Get It

    Frequent flyers can use this card often when they travel overseas. This card allows you to earn 3 WorldMiles by spending RM2 on overseas expenses and earn 1WorldMiles by spending RM3 on local expenses. You can then convert 2 WorldMiles to 1 AirMile of your preferred frequent flyer programme including Enrich Miles, Asia Miles, AirAsia BIG Points and KrisFlyer Miles. You can also enjoy unlimited access to premium lounges.

    AmBank World Mastercard

    This card offers rewards points that can be converted into air miles.
    • Convert your AmBonus Points into AirMiles at over 50 airline partners.
    • Get golf privileges at participating premier golf clubs.
    • Enjoy 50% dining discounts at all the participating Hilton hotels in China, Malaysia, and Thailand.
    • Enjoy 10% discount on room rates at all the participating Hilton hotels in Asia.
    Additional Points Description
    How to Use It
    • Use your card at participating hotels to get discounts on dining and room rates besides earning points on your overseas expenditures.
    Good about It
    • Unlimited lounge access all year round.
    • 25% discount on all lounges across Malaysia and 20% discount on all international lounges for guests.
    • Wallet guard protection 24/7 in the event of theft or robbery while travelling.
    • AmBonus Points for overseas expenses.
    Keep in Mind
    • Annual fee waiver for life only for principal cardholders.
    • Annual fee waiver for the first 3 supplementary cards.
    • Minimum income requirement is RM120,000 p.a.
    • AmBonus Points does not apply for online transactions.

    Who Should Get It

    Frequent flyers and golf enthusiasts can use this card and get discounts. The AmBank World MasterCard provides many benefits like travel insurance protection and 5 times the reward points on overseas expenditures, along with round the clock concierge services to help you during your travel.

    Maybank World Mastercard

    This card offers Treats AirMiles on all local and overseas transactions.
    • Get a free Priority Pass card with this card.
    • Enjoy access to 86 golf clubs around the world.
    • Get a complimentary Hilton Premium Club Membership card.
    • Get complimentary green fees for 10 premium clubs within Malaysia and monthly 20 rounds in Thailand, Singapore, Indonesia, China, UAE, and Australia.
    Additional Points Description
    How to Use It
    • Use this card at both local and international golf clubs to get free green fees. Swipe this card to earn AirMiles on local and overseas expenses.
    Good about It
    • Treats AirMiles never expire.
    • Foreigners can apply for this travel card.
    • Annual income requirement for both Malaysians and expatriates is RM180,000.
    • Maybank Private Banking Service if you have a great credit line.
    Keep in Mind
    • No concierge services.
    • Service tax of RM50 for principal and RM25 for supplementary cardholders.
    • Annual fee is RM1000 for the principal card
    • Annual fees waived only for the first 4 supplementary cards

    Who Should Get It

    Globetrotters and golf enthusiasts should use this card to get several benefits. The Maybank World Mastercard caters to different lifestyle requirements by providing travel insurance, opportunity to earn AirMiles, unlimited lounge access, and complimentary green fees for golfers.  

    Alliance Bank Visa Infinite Card

    This card offers rewards points that can be converted into air miles or be redeemed for free flights.
    • Convert 6,000 Timeless Bonus Points to 1,000 Enrich Miles.
    • Convert 3,000 Timeless Bonus Points into 1000 AirAsia BIG Points
    • Get exclusive concierge services.
    • Enjoy an annual fee waiver on the principal card with a minimum spend of RM30,000 yearly.
    • Enjoy Visa payWave to make your daily purchases quickly with just a tap of the card.
    Additional Points Description
    How to Use It
    • Use this card for all retail transactions to enjoy several discounts at travel, shopping, as well as lifestyle outlets.
    Good about It
    • Privilege Banking services.
    • Free supplementary card.
    • 20% discount at Plaza Premium lounges worldwide.
    Keep in Mind
    • Minimum income requirement is RM150,000 p.a.
    • No rewards points for petrol or government-related transactions.

    Who Should Get It

    This card is suitable for frequent overseas flyers. Consider the Alliance Bank Visa Infinite Card as your travel companion as it provides complimentary travel insurance, complimentary priority pass membership to gain unlimited access at more than 850 VIP lounges in many countries, travel inconvenience insurance, travel accident insurance like death or disability, 24/7 customer service, and many more.

    Maybank 2 Cards Premier

    These cards offer TreatsPoints that can be converted into Enrich Miles.
    • Enjoy complimentary travel insurance when you charge the travel fares to these cards.
    • Get access to more than 80 Golf Clubs all over the world.
    • Enjoy up to 50% discount on dining expenses at SPG Hotels across Malaysia.
    • Get up to 20% discount on accommodation expenses at SPG Hotels across Malaysia
    Additional Points Description
    How to Use It
    • Use both cards for any expenses to enjoy access to lounges and dining benefits at participating hotels and resorts.
    Good about It
    • Dining privileges at all the SPG Hotels & Resorts within Malaysia
    • Discounts on available room rates at SPG Hotels & Resorts in Malaysia.
    • Complimentary access to Plaza Premium Lounge, both locally and globally.
    • Exclusive concierge services round the clock.
    Keep in Mind
    • TreatPoints are valid only for 3 years.
    • No TreatsPoints awarded for government bodies.
    • Minimum annual income is RM120,000.
    • Annual fee of the principal card is RM800. Waived only for the first year.
    • No concierge services.

    Who Should Get It

    Frequent travellers and golf enthusiasts can use these cards to enjoy the benefits. The Maybank 2 Cards Premier cards provides several travel benefits including travel inconvenience coverage. You can enjoy dining benefits as well.

    CIMB Enrich World Elite Mastercard

    This card offers Bonus Miles on all your transactions that can be redeemed for Enrich Miles.
    • Earn Bonus Miles on all local and overseas transactions.
    • Enjoy priority booking 4 hours before the offers are released to the public.
    • Earn an additional Bonus Mile for every RM1 that you spend online.
    Additional Points Description
    How to Use It
    • Use the card at participating golf courses across Thailand, Vietnam, Malaysia, Indonesia, Singapore, Cambodia, and Philippines. Also use this card to get travel insurance to secure your travel.
    Good about It
    • Golfing 4 times per golf club each year at famous golf courses locally.
    • Mastercard Global Service assistance to report lost/stolen card, emergency cash advance, card replacement anywhere in the world.
    • Warranty extension on anything you buy like home appliances, phones, or televisions.
    • Collision damage coverage every time you pay a car rental with this card.
    Keep in Mind
    • Bonus Miles for every RM4 on local expenses after earning 150,000 Bonus Miles.
    • Bonus Miles are valid until 3 years.
    • Flight booking only via Malaysian Airlines website for additional Bonus Miles.

    Who Should Get It

    Customers who travel often should use this card to enjoy the several perks attached to it. The CIMB Enrich World Elite Mastercard takes care of all your travel needs starting from insurance, wallet protection insurance, and purchase protection to priority booking.

    Choose the Best Travel Card

    Always choose a travel card based on your needs. Compare the details of the various cards that suit your travel pattern. A good travel credit card will help you to earn air miles at a good rate, offer you travel-related perks like lounge access, concierge services, complimentary rides and travel inconvenience protection. Keep in mind the annual fees charges on travel cards.

    Other than travel 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 Travel 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 World Mastercard

    Overseas Expenses3 WorldMiles for every RM2 spent

    Local Expenditures1 WorldMile for every RM3 spent

    AmBank World Mastercard Convert AmBonus Points to Air Miles with world class Frequent Flyer/Travel Reward
    Maybank World Mastercard

    Overseas Expenses: 50,000 Treats AirMiles upon card approval 5x Treats AirMiles for every RM2 spent

    Local Expenditures: 5x Treats AirMiles for every RM1 spent

    Alliance Bank Visa Infinite Card Complimentary flights or upgrades using Timeless Bonus Points (TBP)
    Maybank 2 Cards Premier 1,000 Air Miles for 4,770 Treats Points
    CIMB Enrich World Elite Mastercard

    Overseas Expenses:1 Bonus Mile for every RM1 spent

    Local Expenditures:1 Bonus Mile for every RM2 spent(Upto 150,000 Bonus Miles)

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