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  • Best Travel Credit Cards of 2018

    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 Credit Cards for travel

    BBazaar's Best Travel Credit Cards in Malaysia 2018

    Updated on 5th November 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
    Citi PremierMiles Visa Card Earn 2 PremierMiles with every RM3 equivalent spent in foreign currencies and 1 PremierMile with every RM1 spent locally.
    HSBC Premier Travel Credit Card  Earn 1.1 Air Miles with every RM1 spent overseas.
    Standard Chartered WorldMiles World Mastercard

    Earn 3 WorldMiles with RM2 spent overseas

    Earn 1 WorldMile with RM3 spent locally.

    Alliance Bank Visa Infinite Card

    Earn 5x Timeless Bonus Points when you spend overseas.

    Earn 2x Timeless Bonus Points when you spend locally.

    Maybank World Mastercard

    Earn 5x Treats AirMiles for every RM1 spent overseas.

    Earn 5x Treats AirMiles for every RM2 spent locally.

    Hong Leong Visa Infinite P

    Earn 1 Enrich Mile when you spend RM1.8 overseas.

    Earn 1 Enrich Mile when you spend RM2.8 locally.

    Mach Signature Credit Card

    Earn 1 Enrich Mile for every RM3 spent on local purchases.

    Earn 1 Enrich Mile for every RM2 spent on overseas retail transactions.

    AFFINBANK World Mastercard

    Earn 1 AFFIN Rewards Point for every RM1 spent overseas.

    Earn 1 AFFIN Rewards Point for every RM1 spent overseas.

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

    Updated on 5th November 2018

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

    Earn 2 PremierMiles with every RM3 equivalent spent in foreign currencies and 1 PremierMile with every RM1 spent locally.

    (Miles/Points)

    Up to RM300,000.

    (Travel Insurance)

    Unlimited access to 4 major international airports’ lounges across the nation.

    Concierge Service: None

    (Airport Lounge Access)

    Earn 1.1 Air Miles with every RM1 spent overseas

    (Miles/Points)

    Up to RM750,000.

    (Travel Insurance)

    Complimentary access to 850 airport lounges around the globe.

    Concierge Service: None

    (Airport Lounge Access)

    Earn 3 WorldMiles with RM2 spent overseas.

    Earn 1 WorldMile with RM3 spent locally.

    (Airport Lounge Access)

    None

    (Travel Insurance)

    Unlimited access to KLIA and KLIA2 Plaza Premium Lounges.

    (Airport Lounge Access)

    Earn 5x Timeless Bonus Points when you spend overseas.

    Earn 2x Timeless Bonus Points when you spend locally.

    (Miles/Points)

    Up to RM2 million.

    (Travel Insurance)

    Unlimited access to KLIA Plaza Premium Lounge.

    (Airport Lounge Access)

    Earn 5 TreatsPoints for every RM1 spent overseas.

    Earn 1 TreatsPoint for every RM1 spent locally

    (Miles/Points)

    Up to RM2 million

    (Travel Insurance)

    None

    (Airport Lounge Access)

    Earn 1 Enrich Mile when you spend RM1.8 overseas.

    Earn 1 Enrich Mile when you spend RM2.8 locally.

    (Miles/Points)

    Up to RM3 million

    (Travel Insurance)

    4x access to Priority Pass airport lounges

    (Airport Lounge Access)

    Earn 1 Enrich Mile for every RM3 spent on local purchases.

    Earn 1 Enrich Mile for every RM2 spent on overseas retail transactions.

    (Miles/Points)

    Up to RM1.5 million.

    (Travel Insurance)

    Free Plaza Premium Lounge access in the first year of membership.

    (Airport Lounge Access)

    Earn 1 AFFIN Rewards Point for every RM1 spent overseas.

    Earn 1 AFFIN Rewards Point for every RM1 spent overseas.

    (Miles/Points)

    Up to RM1.5 million.

    (Travel Insurance)

    2 complimentary visits to Priority Pass Lounges globally.

    (Airport Lounge Access)

    Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card helps you get discounts on travel with a chance to earn air miles with every transaction made on it. The card also provides you with a range of offers and privileges related to travel.

    Key Benefits

    • Earn 1 PremierMile with every RM3 spent locally.
    • Earn 2 PremierMiles with every RM3 equivalent spent on overseas transactions.
    • Get 10,000 bonus PremierMiles every year on payment of the card’s annual fee.
    • Convert PremierMiles into air miles of your preferred airline partner at the following rate: 1,500 PremierMiles = 1,000 Air Miles.
    • Choose from 90 airline partners for the air miles redemption that includes Enrich, KrisFlyer, Asia Miles, and many more.
    • Pay for the bills of retail purchases using PremierMiles.
    • Offset the annual fee of the card with 30,000 PremierMiles.
    • Get unlimited access to Plaza Premium Lounges in Malaysia.
    • Get a complimentary ride home from airport with your card.
    • Get a discount of up to 45% on dining at a range of restaurants across the nation.
    • Get discounts on room rates and multiple other benefits at Visa luxury hotel collection.
    • Enjoy a discount of 30% on green fees at 30 golf clubs in Malaysia, Singapore, Indonesia, Thailand, Cambodia, Brunei, and Vietnam.
    • Enjoy a range of Citi World Privileges at dining, shopping, and traveling with your card.
    Additional Points Description
    How to Use It
    • Carry out retail transactions using your card within the country and overseas.
    • Earn PremierMiles with every transaction.
    • Accumulate these miles and convert them to the air miles of your preferred frequent flyer programme.
    • Enjoy discounts on your airfare.
    Good about It
    • Bonus PremierMiles at every anniversary of the card.
    • High rate of air mile conversion.
    • Option to choose from a range of airline partners.
    • Unlimited airport lounge access.
    Keep in Mind
    • No PremierMile earning with petrol transactions, cash advances, and payment of fees and charges.
    • The minimum income required to own this card is RM100,000 p.a.

    Who Should Get It

    • Those who travel with different airline partners.
    • Those who travel and shop overseas.

    HSBC Premier Travel Credit Card

    HSBC Premier Travel Credit Card comes with a higher rate of air mile earning and a range of travel benefits and privileges.

    Key Benefits

    • Earn 1.1 Air Miles per RM1 spent overseas.
    • Enjoy a complimentary access to 850 airport lounges around the globe.
    • Get up to 10% and 7% discount at hotel room bookings via Expedia and Agoda respectively.
    • Get access to the internet via 1 million Wi-Fi hotspots around the globe.
    • Benefit from exclusive range of privileges and 24-hour assistance around the globe.
    Additional Points Description
    How to Use It
    • Carry out retail transactions overseas using your card.
    • Earn Air Miles with every transaction.
    • Use these miles to get discounts on travel tickets.
    Good about It
    • Lounge access at 850 airports.
    • Discount at hotel room bookings.
    • Annual fee waiver for the first year.
    Keep in Mind
    • The maximum number of free accesses to airport lounges is 12 per year.
    • The card is open only for HSBC Premier account holders who have at least RM200,000 in total relationship with the bank.

    Who Should Get It

    • Frequent travellers.
    • Those who travel abroad for business.
    • Those who need to stay connected to the internet throughout their travel.

    Standard Chartered WorldMiles World Mastercard

    Standard Chartered WorldMiles World Mastercard helps you get discounts on your travel booking with faster air mile redemption. The card also offers you a wide array of travel and lifestyle privileges and offers.

    Key Benefits

    • Earn 3 WorldMiles with every RM2 spent on overseas purchases.
    • Get 1 WorldMile per RM3 spend on local purchases.
    • Get 1 AirMile of your preferred frequent flying programme with 2 WorldMiles.
    • Redeem air miles of the following frequent flyer programmes with WorldMiles earned on your card:
      • Enrich
      • AirAsia BIG
      • KrisFlyer
      • Asia Miles
    • Gain unlimited access to KLIA and KLIA2 Plaza Premium Lounge.
    • Get rebates on hotel room bookings and enjoy multiple World Mastercard privileges.
    • Get a cashback of up to RM80 with your KLIA Ekspres or airport limousine ride.
    Additional Points Description
    How to Use It
    • Pay for your purchases locally and overseas using your Standard Chartered WorldMiles World Mastercard.
    • Earn WorldMiles with every transaction.
    • Redeem air miles of partnering airline partners with the help of WorldMiles earned to enjoy discounts on travel fare.
    Good about It
    • Annual fee waiver for the first year.
    • Choice of 4 different airline partners.
    • Unlimited Plaza Premium Lounge access.
    • Higher air mile earning with overseas shopping.
    Keep in Mind
    • The income required to get this card is RM90,000 p.a.
    • To get an annual fee waiver from 2nd year onwards, you need to spend a minimum of RM60,000 p.a.

    Who Should Get It

    • Those who travel with multiple airlines.
    • Those who make purchases overseas.

    Maybank Visa Signature Credit Card

    Maybank Visa Signature Credit Card offers a lot of travel-related perks, including complimentary lounge access, concierge services, and travel insurance coverage.

    Key Benefits

    • Earn 5 TreatsPoints for every RM1 spent on overseas retail transactions.
    • Earn 5% cashback for petrol and grocery purchases.
    • Earn 1 TreatsPoint for every RM1 spent on local retail transactions.
    • Get free travel insurance coverage of up to RM2 million when you pay the full airfare using your card.
    • Enjoy quick immigration services at over 280 international airports.
    • Enjoy golf privileges with this card.
    • Enjoy concierge services by Visa.
    Additional Points Description
    How to Use It
    • Use your Maybank Visa Signature Credit Card to carry out local and overseas retail transactions and earn TreatsPoints.
    • Redeem the TreatsPoints you have accumulated with frequent flyer programmes of participating airlines (4,770 Treatspoints = 1,000 Enrich Miles/KrisFlyer Miles/AirAsia Miles).
    • Redeem TreatsPoints for airline tickets, cruises, or car rentals via Mayflower.
    • You can also redeem TreatsPoints on a range of lifestyle items, and gift vouchers.
    Good about It
    • Get 10,000 TreatsPoints upon card activation
    • Get a superior line of credit to suit your requirements.
    • You can convert your TreatsPoints into cash (50,000 TreatsPoints can be converted to RM100).
    Keep in Mind
    • You won't earn TreatsPoints for government-related payments.
    • TreatsPoints are valid for a period of three years.
    • Only individuals who earn RM70,000 and above can apply for this card.
    • Only cash rebates amounting above RM1 will be awarded.

    Who Should Get It

    • Those who use their card while travelling.
    • Those who shop overseas using their card.

    Hong Leong Visa Infinite P Card

    This card offers you air miles when you carry out retail transactions above RM1.8. The air miles can be used to redeem free flights by Malaysia Airlines. You can enjoy many other privileges with this card, including travel insurance coverage, concierge services, and airport lounge access.

    Key Benefits

    • Earn 1 Enrich Mile when you spend RM1.8 on overseas retail transactions.
    • Earn 1 Enrich Mile when you spend RM2.8 on local retail transactions.
    • Get complimentary travel insurance coverage of up to RM3 million when you charge the airfare with your card.
    • Get complimentary 4x access to Priority Pass airport lounges globally in the first year of membership.
    • Enjoy 24/7 concierge services with this card.
    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 fee is waived.
    • Get round-the-clock assistance for card-related services.
    Keep in Mind
    • You can apply for this card by invitation only.
    • For getting 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 use their card to book tickets for Malaysia Airlines.
    • Those who shop overseas using their card.

    Mach Signature Credit Card

    Mach Signature Credit Card offers air miles when you make local and overseas retail spends. You will also get complimentary travel insurance, Plaza Premium Lounge access, and concierge services. This card is offered by Mach by Hong Leong.

    Key Benefits

    • Get 1 Enrich Mile when you spend RM3 on local transactions.
    • Get 1 Enrich Mile when you spend RM2 on overseas transactions.
    • Get complimentary travel insurance of up to RM1.5 million when you use your card to pay the full airfare.
    • The annual fees are waived for life.
    • Enjoy 0% interest on all overseas transactions or the first 6 months.
    • Get complimentary Plaza Premium Lounge access for the first year of membership.
    • Enjoy concierge services.
    • Get preferential rates on foreign currencies.
    Additional Points Description
    How to Use It
    • Use your card for local and overseas transactions to get Enrich Miles.
    Good about It
    • The annual fee is waived for life.
    • Earn air miles for transactions as low as RM2.
    Keep in Mind
    • The principal cardholder must be a registered Enrich member with Malaysia Airlines to earn Enrich Miles.
    • Enrich Miles earned by the supplementary cardholder will be credited to the principal cardholder's account.
    • The minimum credit limit for the card is RM20,000.
    • From the second year of membership onwards, you will get up to 2 Plaza Premium Lounge passes when you spend a minimum spend of RM50,000 each year.

    Who Should Get It

    • Those who use their card for frequent flyer programmes.
    • Those who shop overseas using their card.

    AFFINBANK World Mastercard

    AFFINBANK World Mastercard offers your AFFIN Rewards Points when you use the card for shopping locally or overseas. You also get travel insurance coverage, concierge services, and many other privileges with this card.

    Key Benefits

    • Earn 1 AFFIN Rewards Point for every RM1 spent on local and overseas retail transactions.
    • Stay protected with travel insurance coverage of RM1 million.
    • Get accident insurance of up to RM100,000.
    • Principal cardholders will be entitled to 2 complimentary visits to Priority Pass Lounges globally in the 1 one years of membership.
    • Get round-the-clock concierge services for a comfortable travel experience.
    Additional Points Description
    How to Use It
    • Carry out local and overseas retail transactions using your AFFINBANK World Mastercard.
    • Redeem the AFFIN Rewards Points you accumulate on a range of lifestyle products and gift vouchers.
    Good about It
    • Enjoy finance charges as low as 12% p.a. on retail transactions, if the minimum payment is received before the due date.
    • The annual fee is waived for the first year.
    Keep in Mind
    • The minimum income requirement of this card is RM80,000 p.a.
    • The AFFIN Rewards Points are valid for a period of 36 months.
    • You won’t earn any AFFIN Rewards Points on petrol purchases, government-related payments, utility bill payments, and charity payments.
    • You can enjoy an annual fee waiver if you make a minimum spend of RM48,000 or 12 swipes on retail transactions at any amount per year.

    Who Should Get It

    • Those who use their card while travelling.
    • Those who make purchases overseas with their card.

    How to Choose the Best Travel Card

    There are a number of travel credit cards that help you get air miles redemption. In order to get the suitable card for your travel requirements, filter the choices according to the partnering airlines, rates of redemption, additional travel privileges, and fees and charges associated with the best available cards. Compare various cards based on fees, interest rates, offers, and additional privileges, and choose accordingly.

    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.

    Review

    If you’re an avid traveller, the Standard Chartered WorldMiles World Mastercard will give you the best value on your expenses. With this card, you get high rewards on your retail transactions. Besides this, you get access to exclusive travel benefits like unlimited Plaza Premium Lounge access and cashback on airport transfers. You also enjoy rebates on your hotel rates and merchant deals from over 700 outlets across Malaysia.

    Illustration

    Let’s look at the table below to understand how many miles you can earn on your expenses and how you can redeem those miles for discounted tickets, seat upgrades, and more.

    Transaction Amount Spent Miles Earned Enrich Miles Conversion Rate
    Local RM60,000 20,000 WorldMiles 10,000 Enrich Miles
    Overseas RM13,333.3

    With the Standard Chartered WorldMiles World Mastercard, you earn 3 WorldMiles for every RM2 spent overseas. You also get 1 WorldMiles for every RM1 spent locally. The conversion rate to AirMiles is high too. For every 2 WorldMiles, you get 1 AirMile of your preferred frequent flyer programme. So, you can choose Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

    So to earn 20,000 WorldMiles, you will have to spend a collective amount of RM73,333.3 locally and overseas. The WorldMiles you earn through these transactions can then be used for AirMiles redemption.

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