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Best Travel Credit Cards of 2019

A travel credit card helps you get a better travel experience with a range of travel privileges. 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. This includes, discounted airfare, faster air miles redemption, complimentary travel insurance, discounted hotel room bookings, complimentary airport lounge access, concierge service, and much more.

Best Travel Credit Cards

BBazaar's Best Travel Credit Cards in Malaysia 2019

Updated on 16th January 2019

Credit Card Miles
Citi Prestige Card

Get 2x Citi Rewards points for every RM1 equivalent you spend in foreign currency.

Public Bank Visa Signature Credit Card Earn 1 VIP Point for every RM1 spent on retail transactions.
HSBC Visa Signature Credit Card

Earn 8x Reward Points on overseas and online (foreign currency) expenses

Get 5x Reward Points for online (local currency) expenses and purchases at local participating malls.

OCBC Premier Voyage Mastercard

Earn 1 Voyage Mile for every RM3 spent overseas.

Earn 1 Voyage Mile for every RM5 spent locally.

UOB PRVI Miles Credit Card

5x UNIRinggit for every RM1 spent on airlines, hotel bookings, and travel agencies.

Standard Chartered WorldMiles World Mastercard

Get 2 AirMiles for every RM4 spent overseas.

AmBank Visa Infinite Credit Card

5x AmBonus Points for every RM1 spent overseas.

Alliance Visa Infinite Credit Card

5x Timeless Bonus Points on overseas spends.

BBazaar Exclusive Deals for Credit Card

Gift Card Worth RM200 from either Ikea or Lazada

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Ikea voucher worth RM500

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Here are the Best Travel Credit Cards in Malaysia 2019

Updated on 16th January 2018

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

Get 2x Citi Rewards points for every RM1 equivalent you spend in foreign currency.

Get 1x Citi Rewards points for every RM1 spent locally.

(Miles/Points)

Up to USD1 million

(Travel Insurance)

Unlimited complimentary global lounge access

(Airport Lounge Access)

Concierge Service: Yes

Earn 1 VIP Point for every RM1 spent on retail transactions.

(Miles/Points)

Up to RM500,000

(Travel Insurance)

2x complimentary access to Plaza Premium Lounges in Malaysia

(Airport Lounge Access)

Concierge Service: No

Earn 8x Reward Points on overseas and online (foreign currency) expenses.

Get 5x Reward Points for online (local currency) expenses and purchases at local participating malls.

(Airport Lounge Access)

None

(Travel Insurance)

6x complimentary access to Plaza Premium Lounge

(Airport Lounge Access)

Concierge Services: No

Earn 1 Voyage Mile for every RM3 spent overseas.

Earn 1 Voyage Mile for every RM5 spent locally.

(Miles/Points)

Up to USD1 million

(Travel Insurance)

4x complimentary access to Flight Club at KLIA

(Airport Lounge Access)

Concierge Services: Yes

5x UNIRinggit for every RM1 spent on airlines, hotel bookings, and travel agencies.

1% cashback on a minimum overseas spend of RM1,000.

Redeem up to 7 air miles for every RM10 spent.

(Miles/Points)

None

(Travel Insurance)

None

(Airport Lounge Access)

Get 2 AirMiles for every RM4 spent overseas.

Get 1 AirMile for every RM6 spent in Malaysia.

(Miles/Points)

None

(Travel Insurance)

Unlimited Plaza Premium Lounge access.

(Airport Lounge Access)

5x AmBonus Points for every RM1 spent overseas.

(Miles/Points)

Up to RM2 million.

(Travel Insurance)

Unlimited Plaza Premium Lounge access at more than 26 major airports.

(Airport Lounge Access)

5x Timeless Bonus Points on overseas spends.

(Miles/Points)

Up to RM2 million.

(Travel Insurance)

Unlimited complimentary access to Priority Pass Lounge at over 850 VIP lounges.

(Airport Lounge Access)

Citi Prestige Card

With the Citi Prestige Card, you’ll get the maximum value on all your retail expenses. You earn reward points on your local expenses as well transactions made in foreign currencies. Besides this, you also get access to an array of travel-related benefits.

Key Benefits

  • Get 2 Citi Rewards Points for every RM1 equivalent spent in foreign currencies.
  • Earn 1 Citi Rewards Points for every RM spent locally.
  • Enjoy a relationship bonus based on how long you’ve been banking with Citi. You will earn double the points if you’re a Citigold member.
  • Relax before your flight with the unlimited complimentary access to global lounges.
  • Stay protected during your travels with the automatic insurance coverage of up to USD1 million.
Additional Points Description
How to Use It
  • Swipe your card for all your local retail transactions and transactions made in foreign currencies.
  • Redeem your collected points for merchandise or convert them into miles.
Good about It
  • Complimentary night stay at a hotel of your choice with a minimum 4-consecutive-night stay.
  • Complimentary ride home from KLIA.
  • Complimentary Wi-Fi access at over 1 million hotspots worldwide.
  • Access to Citi Prestige Concierge Services.
  • Access to Citi Prestige Priority Line.
  • Exclusive access to experiences, offers, and events.
Keep in Mind
  • You can earn Rewards Points on purchase of fuels at any petrol station.
  • You can earn unlimited points and they have no expiry dates.
  • You have to charge the entire airfare to your card to enjoy travel insurance coverage.
  • You have to make hotel reservations through the Citi Prestige Concierge and make your payment with the card for the complimentary night stay.
  • For the complimentary ride home from KLIA, you have to swipe your card three times overseas. Present these slips along with your Citi Prestige Card at the Citi-Airport Limo Priority Booth.
  • Complimentary Wi-Fi access is only valid till 31 December 2018.

Who Should Get It

  • Those who travel frequently and swipe their card overseas.
  • Those who enjoy travel-related benefits.

Public Bank Visa Signature Credit Card

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

Earn 1 VIP Point for every RM1 spent on retail transactions.

(Miles/Points)

Up to RM500,000

(Travel Insurance)

2x complimentary access to Plaza Premium Lounges in Malaysia

(Airport Lounge Access)

Concierge Service: No

The Public Bank Visa Signature Credit Card lets you earn cashback as well as VIP Points on a wide range of transactions. You also get access to several travel-related benefits.

Key Benefits

  • Get 6% cashback on your grocery, dining, and online transactions.
  • Earn 1 VIP Point for every RM1 you spend on other retail transactions.
  • Enjoy 2x complimentary access to the Plaza Premium Lounge in Malaysia.
  • Get automatic insurance coverage up to RM500,000.
Additional Points Description
How to Use It
  • Use your card to pay for your grocery, dining, and online expenses.
  • Swipe your card for other retail transactions.
Good about It
  • Annual fee waiver for the first year.
  • Access to the Signature Help Desk for 24/7 assistance.
Keep in Mind
  • The cashback you earn each month on grocery, dining, and online expenses is capped at RM38.
  • You can redeem your collected VIP Points for Air Miles, gift vouchers, and merchandise from the catalogue.
  • The complimentary access to Plaza Premium Lounge is only valid till 31 December 2018.
  • For subsequent years’ annual fee waiver, you will have to swipe your card 12 times within a 12-month period.

Who Should Get It

  • Those who use their card for grocery, dining, and online expenses.
  • Frequent travellers looking for exclusive benefits on their card.

HSBC Visa Signature Credit Card

Enjoy reward points on your online and retail expenses with the HSBC Visa Signature Credit Card. You will also get various privileges and travel benefits with this card.

Key Benefits

  • Get 8x Reward Points on online (foreign currency) and overseas expenses.
  • Earn 5x Reward Points on online and transactions at local participating malls.
  • Relax before your travels with the complimentary access to Plaza Premium Lounge.
Additional Points Description
How to Use It
  • Swipe your card overseas and online expenses.
  • Use your card at local participating malls.
Good about It
  • Exclusive access deals and discounts at more than 6,500 shopping outlets.
Keep in Mind
  • The 8x and 5x points awarded on your online, local malls, and overseas expenses is only valid till 31 December 2018.
  • The complimentary access to Plaza Premium Lounge is only available till 31 December 2018.
  • You can redeem your accumulated points for vouchers and merchandise from the bank’s catalogue.

Who Should Get It

  • Those who pay for their online and overseas expenses with their card.
  • Those who enjoy travel benefits.

OCBC Premier Voyage Mastercard

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

Earn 1 Voyage Mile for every RM3 spent overseas.

Earn 1 Voyage Mile for every RM5 spent locally.

(Miles/Points)

Up to USD1 million

(Travel Insurance)

4x complimentary access to Flight Club at KLIA

(Airport Lounge Access)

Concierge Services: Yes

Enter the world of privileges with the exclusive OCBC Premier Voyage Mastercard, Malaysia’s first metal card. You get Voyage Miles on your local and overseas expenses, and access to a wide selection of benefits.

Key Benefits

  • Earn 1 Voyage Mile for every RM3 spent overseas.
  • Get 1 Voyage Mile for every RM5 spent overseas.
  • Travel with a peace of mind with a complimentary travel insurance coverage of up to USD1 million.
  • Enjoy 4x complimentary access to the Flight Club at KLIA each year.
Additional Points Description
How to Use It
  • Swipe your card for all local and overseas expenses.
Good about It
  • Annual fee waived for the first year.
  • Assistance for reservations, personal requests, and itinerary planning with the Voyage Exchange concierge service.
  • No expiry for miles earned and no blackout dates.
  • Option to choose airline of choice and destination at any time.
Keep in Mind
  • You have charge the full airfare to your OCBC Premier Voyage Mastercard to enjoy complimentary travel insurance.

Who Should Get It

  • Those who use their card for local and overseas expenses.
  • Frequent travellers.

UOB PRVI Miles Credit Card

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

5x UNIRinggit for every RM1 spent on airlines, hotel bookings, and travel agencies.

1% cashback on a minimum overseas spend of RM1,000.

Redeem up to 7 air miles for every RM10 spent.

(Miles/Points)

None

(Travel Insurance)

None

(Airport Lounge Access)

You get a host of privileges and deals when you spend with the UOB PRVI Miles Credit Card both in Malaysia and overseas. Some of these privileges are UOB SMART$ Rewards, Quarterly Spend Campaign, Birthday Rewards, Tuesday-PRVI Miles Day, and more. In addition, you can enjoy schemes, such as 0% Interest Payment Plan, 0% Interest Education Instalment Plan, and 0% Overseas Easi-Payment Plan.

Key Benefits

  • Earn 5x reward points for every RM1 spent on hotel room booking, airlines, and travel agencies.
  • Earn a cashback of 1% for overseas spends.
Additional Points Description
How to Use it
  • Pay with the UOB PRVI Miles Credit Card for all your travel-related transactions in Malaysia and overseas.
  • Collect the reward points based on the category of spending.
  • Redeem air miles, vouchers, annual fee, and other merchandise available in the rewards redemption catalogue.
Good About it
  • Redeem air miles from more than 60 airline partners, such as KrisFlyer, Enrich, and AirAsia with the accumulated reward points.
  • Earn 2x reward points when you spend on dining during your birthday month.
Keep in Mind
  • You can get up to 7% cashback when you book hotels and air tickets on a Tuesday.
  • 1% cashback is provided when you make a minimum overseas spend of RM1,000.

Who Should Get it

  • Those who want to save on travel, hotel stay, and dining expenses overseas.
  • Those who wish to get an off on overseas purchases when spent with the credit card.

Standard Chartered WorldMiles World Mastercard

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

Get 2 AirMiles for every RM4 spent overseas.

Get 1 AirMile for every RM6 spent in Malaysia.

(Miles/Points)

None

(Travel Insurance)

Unlimited Plaza Premium Lounge access.

(Airport Lounge Access)

The Standard Chartered WorldMiles World Mastercard comes with a host of travel-related privileges, such as concierge service; discounts on hotel stays and dining; travel insurance; and more. You can use the card to make retail transactions in Malaysia and overseas, earn WorldMiles, convert them to AirMiles, and redeem free flights at the participating airlines.

Key Benefits

  • Earn 2 AirMiles for every RM4 spent overseas.
  • Earn 1 AirMile for every RM6 spent in Malaysia.
  • Enjoy unlimited Plaza Premium Lounge access when you travel outside Malaysia.
  • Get a cashback of up to RM80 up to 12 times on airport limousine.
Additional Points Description
How to Use it
  • Use the Standard Chartered WorldMiles World Mastercard to pay for all retail transactions in Malaysia and overseas.
  • Earn AirMiles based on the place of spending.
  • Use the accumulated AirMiles to redeem free flights at the partner airlines, such as Asia Miles, KrisFlyer, Enrich, and AirAsia BIG.
Good About it
  • Enjoy offers and special deals on shopping, hotels, and nightlife in addition to travel-related discounts at selected merchant partners.
  • The annual fee is waived for the first year.
Keep in Mind
  • The annual fee for subsequent years can be waived with a minimum spend of RM60,000 in a year.
  • The Plaza Premium Lounge access is available only to principal cardholders with a valid international boarding pass.
  • You must perform a minimum of 3 overseas retail transactions in foreign currencies within the past 30 days.

Who Should Get it

  • Frequent flyers.

AmBank Visa Infinite Credit Card

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

5x AmBonus Points for every RM1 spent overseas.

(Miles/Points)

Up to RM2 million.

(Travel Insurance)

Unlimited Plaza Premium Lounge access at more than 26 major airports.

(Airport Lounge Access)

Convert the reward points earned on overseas expenses to air miles under the frequent flyer programme of the card. You can choose from the participating airline partners, such as Singapore Airlines KrisFlyer, Enrich, Asia Miles, and more. Also, you can get your travel-related queries clarified at any time with the 24-hour Visa Customer Service and Concierge Service.

Key Benefits

  • Earn 5x AmBonus Points for overseas retail transactions.
  • Get a complimentary Hilton Dining Asia Pacific Membership Card that offers discounts on accommodation and dining across 16 Asia Pacific countries.
  • Get complimentary green fees at the participating premier golf clubs.
Additional Points Description
How to Use it
  • Swipe your AmBank Visa Infinite Credit Card to pay for all your overseas spends.
  • Earn reward points for the money you spend overseas.
  • Redeem travel-related items, air miles, vouchers, and other merchandise from the redemption catalogue with the accumulated reward points.
  • Enjoy on-the-spot reward redemption at the participating merchant outlets.
Good About it
  • Get complimentary travel insurance of up to RM2 million.
  • Enjoy unlimited access to Plaza Premium Lounges in more than 26 major airports in Malaysia and overseas.
Keep in Mind
  • All online transactions are not considered for 5x AmBonus Points irrespective of the country it was made.
  • The privilege of a complimentary Hilton Dining Asia Pacific Membership Card is available if you make a minimum spend of RM30,000 in a year.
  • The travel insurance is provided for free only if you charge the entire airfare to your card.

Who Should Get it

  • Those who want to enjoy travel-related privileges while travelling overseas.
  • Those who want to earn some extra reward points on the overseas transactions.

Alliance Visa Infinite Credit Card

Card Name
Miles/Points
Travel Insurance
Airport Lounge Access
Know More

5x Timeless Bonus Points on overseas spends.

(Miles/Points)

Up to RM2 million.

(Travel Insurance)

Unlimited complimentary access to Priority Pass Lounge at over 850 VIP lounges.

(Airport Lounge Access)

Use the contactless feature of the Alliance Visa Infinite Credit Card—Visa payWave to make payments on-the-go. The card also provides unlimited complimentary access to KLIA Plaza Premium Lounge. You can utilise the dedicated Travel Hotline facility to have your travel itinerary planned and organised.

Key Benefits

  • Earn 5x Timeless Bonus Points (TBP) on overseas retail spends.
  • Earn 2x Timeless Bonus Points on local retail spends.
  • Redeem free flights with the TBP earned.
  • Get a complimentary travel accident insurance coverage of up to RM2 million.
Additional Points Description
How to Use it
  • Use the Alliance Visa Infinite Credit Card to pay for your retail transactions in Malaysia and overseas.
  • Accumulate TBP based on the amount spent locally and abroad.
  • Use the accumulated TBP to redeem free flights at the participating airlines.
  • Redemption rate is given below:
    • 6000 TBP = 1,000 Enrich Miles.
    • 3000 TBP = 1,000 BIG Points.
Good About it
  • Get a lifetime annual fee waiver on the card.
  • Enjoy unlimited complimentary visits to 850 VIP lounges with the complimentary Priority Pass Membership.
Keep in Mind
  • You can get unlimited complimentary visits to with the Priority Pass Membership only if you make a minimum cumulative retail spend of RM300,000 in a year.
  • TBP are provided only to retail transactions made with the card and excludes petrol and government agency transactions.
  • Travel insurance is provided for free only if you pay for the entire airfare with your card.

Who Should Get it

  • Those who wish to get additional benefits on their overseas trips.
  • Those who want to earn more reward points on overseas retail transactions.

How to Choose the Best Travel Credit Card

You can redeem air miles, in turn, free flights with the reward points earned on a number of credit cards. However, not all of them provide the other travel-related privileges, such as lounge access; deals and discounts on retail transactions, dining, and accommodation; complimentary travel personal accident insurance; and more. It is good to consider these criteria before you choose the right travel credit card for you. You can also consider the airline partners when you are choosing a card. Check all the cards along with their features before you settle for one.

Review

Based on the rewards provided on overseas spends and other travel-related privileges, the HSBC Visa Signature Credit Card edges out a bit when compared to the rest. You can earn up to 8x Reward Points on overseas spends and online spends in foreign currency. Also, you can earn up to 5x Reward Points when you spend locally. In addition, you can enjoy complimentary access to Plaza Premium Lounge and special privileges across the world at the participating shopping outlets.

Illustration

Consider that you have spent RM1,000 on overseas retail transactions, RM500 on online spends in foreign currency, RM200 at a participating local mall, and RM800 on other local spends. The reward points you can earn from these spends are given in the table below:

Spend Category Amount Spent Rewards Programme Reward Points Earned Additional Reward Points Earned Total Reward Points Earned
Overseas Retail Spends RM1,000 1x Reward Points + 7x Additional Reward Points 1 x RM1,000 = 1,000 7 x RM1,000 = 7,000 8,000
Online Spends in Foreign Currency RM500 1x Reward Points + 7x Additional Reward Points 1 x RM500 = 500 7 x RM500 = 3,500 4,000
Participating Local Mall Spends RM200 1x Reward Points + 5x Additional Reward Points 1 x RM200 = 200 4 x RM200 = 800 1,000
Other Local Spends RM800 1x Reward Points 1 x RM800 = 800 - 800

According to the table, you will earn a total of 2,500 Reward Points and 11,300 Additional Reward Points. That is a total of 13,800 reward points will be given on a total spend of RM2,500. You need to know that Additional Reward Points are capped at 15,000 points per cardholder per month.

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*Terms & Condition to get Gift Card Worth RM200 from Lazada or Ikea

Apply for your new credit card through BBazaar and stand a chance to win a gift voucher on approval. You can get a gift card worth RM200 from either Ikea or Lazada. The offer is valid on credit card applications made between 19 December 2018 and 31 January 2019, and applies to any of the following cards.

Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
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  • Alliance Bank You:nique Rewards Credit Card
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  • Citi Cash Back Card
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  • Standard Chartered Platinum MasterCard Basic
 

**Terms & Condition to Win an Ikea Voucher Worth RM500

Win an Ikea voucher worth RM500 when you apply and get approval for a new credit card through BBazaar. The exclusive deal is valid from 19 December 2018 to 31 January 2019, and is applicable when you apply for any of the following credit cards.

Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
  • lliance Bank Visa Infinite Credit Card
  • Alliance Bank Platinum Credit Card
  • Citi Prestige Card
  • Citi PremierMiles Visa Card
  • Citi Cash Back Platinum Card
  • Citi Rewards Visa Signature Card
  • Standard Chartered Priority Banking Visa Infinite Credit Card
  • Standard Chartered WorldMiles World MasterCard
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