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  • Premium Credit Cards

    Credit Card BYTES FROM OUR KITCHEN

    Premium Credit Cards

    A Premium Credit Card offers royal facilities to you in terms of travel, dining and shopping. The card also gives Premium rewards on each transaction you make with your card.

    If you’re looking for a premium credit card that offers you exclusive discounts and privileges, you should check out the cards listed below. The premium cards offered by various top banks in Malaysia come with higher income criteria and sometimes, they are accessible by invitation only. In this case, you can contact your bank and request for it. Let’s find out which premium credit cards can help you gain maximum benefits.

    Compare Premium Credit Cards In Malaysia

     

    Card Name
    Premium Benefits
    Reward Programmes
    Annual Fee
    Know More

    4 Plaza Premium Lounge Visits across Malaysia and Singapore

    (Premium Benefits )

    1 Enrich Mile for every RM1.80 spent overseas

    1 Enrich Mile for every RM2.8 spent on domestic retail purchases

    (Reward Programmes)

    Principal card: Waived for life

    Supplementary card: Waived for life

    (Annual Fee)

    Limitless visits to 800 plus VIP Lounges across the globe

    (Premium Benefits )

    1 Citi Rewards Points for every RM1 spent on local purchases

    2 Citi Rewards Points for every RM1 spent on overseas purchases

    (Reward Programmes)

    Principal card: RM1,000

    Supplementary card: Waived

    (Annual Fee)

    5 complimentary visits to Plaza Premium Lounges across Malaysia

    (Premium Benefits )

    Up to 6% cashback on local entertainment, shopping, and online transactions

    Up to 2% cashback on overseas retail purchases

    (Reward Programmes)

    Principal card: Waived for life

    Supplementary card: Waived for life

    (Annual Fee)

    Access more than 86 golf clubs across the world

    (Premium Benefits )

    5 Treats AirMiles for every RM2 spent on domestic transactions

    5 Treats AirMiles for every RM1 spent on overseas transactions

    (Reward Programmes)

    Principal card: RM1,000 for the first year Waived on a minimum spend of RM120,000 each year (Subsequent years fees waived on a minimum spend of RM120,000 p.a.)

    Supplementary card: Fee waived for the first 4 cards

    (Annual Fee)

    Unlimited Plaza Premium Lounge access at KLIA and KLIA2 during international travels

    (Premium Benefits )

    1 WorldMile for every RM3 spent on local purchases

    3 WorldMiles for every RM2 spent on overseas purchases

    (Reward Programmes)

    Waived for the first year Subsequent years fees for principal card: RM600

    Annual fee waiver available on a minimum spend of RM60,000 each year

    Supplementary Card: Free

    (Annual Fee)

    Complimentary access to Plaza Premium Lounges at 26 key airports across the globe

    (Premium Benefits )

    5x AmBonus Points for overseas retail purchases (Excluding online purchases)

    (Reward Programmes)

    Principal card: Waived for life

    Supplementary card: Free for first 3 cards

    4th supplementary card onwards: RM188 p.a.

    (Annual Fee)

    3 complimentary visits to Plaza Premium Lounges across Malaysia

    (Premium Benefits )

    7,000 air miles for every RM10,000 spent on overseas transactions per annum

    (Reward Programmes)

    Principal card: Waived for life

    Supplementary card: Waived for the first card; RM250 (from the second card onwards)

    (Annual Fee)

    Features & Benefits Of Choosing Premium Credit Cards

    • Each ringgit you spend will be converted to reward points.
    • Additional reward points are gathered when you charge your card overseas.
    • Some cards provide you with the opportunity to use the reward points instantly.
    • Most cards provide services at RM0 annual fee for the first year.
    • You can enjoy Golf privileges at premier clubs across the world at discounted prices.
    • You can get the option to convert your reward points into air miles.
    • You can get privileged access to select Plaza Premium Lounges at major airports across different countries.
    • The card provides quicker immigration at many international airports.
    • You may get travel insurance along with the card to keep you and your family safe. The insurance is applicable when the entire airfare is charged to the card.
    • Some cards also provide cash bonus on your retail purchases charged to the card.
    • Some cards also provide cash rebate for every Ringgit you spend locally and overseas.
    • You can get complimentary access to Flight Club at Kuala Lumpur International Airport.
    • Exclusive travel desk is provided for your assistance.
    • The card offers Flexi Payment facility.

     

    How Do Premium Credit Cards Work?

    Premium credit cards offer exclusive privileges on your travel, shopping, lifestyle purchases, and more. These cards provide you lounge access at several national and international airports. You can also earn more reward points when you spend internationally.

    To know how these premium cards work, here’s an example of RHB Signature Credit Card. Below is a breakdown of the amount of cashback earned on your domestic and overseas expenditure with this card.

    Let’s say you have spent RM4,100 and RM3,500 on shopping in month, both locally and overseas. Here’s the cashback you can expect on your expenses.

    Spend Category Amount Spent Locally Amount Spent Overseas Applicable Cashback (Local and overseas) Cashback Earned
    Shopping RM4,100 RM3,500 6% cashback on local purchases and 2% cashback on overseas purchases if applicable RM246 + RM70 = RM316*

    *As cashback for local expenses is capped at RM30 and overseas shopping at RM100, the final cashback amount earned will be RM130.

    Reward Schemes for a Premium Credit Card

    A Premium Credit Card offers any one or more the following reward schemes on it. Every time you make a purchase with the card, you can earn these benefits.

    • Earn reward Points of up to 5 times your spend, or cashback of up to 6% and more whenever you make a purchase in categories such as shopping, retail, groceries, dining, etc.
    • Some cards like Hong Leong Visa Infinite and PB Visa Infinite also offer Air Miles on transactions.
    • Access deals and discounts from participating merchants.
    • Exclusive membership privileges and benefits form Mastercard or Visa.
    • Complimentary access to domestic and international airport lounges.
    • Complimentary travel insurance coverage whenever you charge your full fare of your ticket to the card.

    Advantages of Premium Credit Cards

    • Exciting deals and privileges that are exclusive for a premium card.
    • Automatic conversion to air miles (E.g. Hong Leong Infinite Card).
    • Priority passes/entry at entertainment events (E.g. Citi Prestige Card).
    • Enjoy preferential rates on foreign currencies (E.g. Hong Leong Infinite Card).
    • Instant customer support.
    • Exclusive concierge services while travelling.

    How Do You Choose The Best Premium Credit Card?

    • It is important to check and compare all the available premium credit cards before finalising on one.
    • Some of the premium cards are available exclusively by invitation and once you get a request, make sure that you go through all the details about the card and also compare it with other available cards.
    • Consider your spending habits before choosing the card. If you spend more on dining, it is more beneficial to get a card that offers better deals on dining transactions.
    • Do not overlook the annual fee and other associated costs while selecting a card.

    How to Make the Most of Your Premium Credit Card

    • Use your Premium Card at participating merchants for additional benefits.
    • If your credit card offers you air mile conversion, make most of it by accumulating it for free flights.
    • Use your card to get complimentary airport rides (if applicable).

    Lost Card and Overseas Assistance

    Several banks offer 24/7 lost cards assistance and concierge services for those who travel overseas. To access this service, you need to contact the customer service department of the bank and report the loss or theft of your card. After this, your card will be blocked immediately and you no more have to worry about illegal charges being made.

    Eligibility Criteria

    Card Names Age Criteria Income Criteria
    Hong Leong Visa Infinite Credit Card 21 years to 70 years (Principal card) 18 years (Supplementary card) Minimum RM150,000 p.a.
    Citi Prestige MasterCard World Elite 21 years old (Principal card) 18 years (Supplementary card) Minimum RM200,000 p.a.
    RHB Visa Signature Credit Card 21 years old (Principal card) Minimum RM80,000 p.a.
    Maybank World Mastercard 21 years old (Principal card) 18 years (Supplementary card) Minimum RM120,000 p.a.
    Standard Chartered WorldMiles Mastercard Credit Card 21 years to 65 years (Principal card) 18 years to 65 years (Supplementary card) Minimum RM90,000 p.a.
    AmBank Visa Infinite Credit Card 21 years old (Principal card) 18 years (Supplementary card) Minimum RM120,000 p.a.
    Public Bank Visa Infinite Credit Card 21 years old (Principal card) 18 years (Supplementary card) Minimum RM 100,000 p.a.

     

    Documents Required to Apply for Premium Credit Cards

    Given below is the list of basic documents that a bank may require while issuing you a premium card:

    For Salaried Applicants For Self-Employed and Other Income Earning Applicants (As Applicable) For Overseas Income Earners
    • A Copy of NRIC or MyKad
    • Latest salary slip (For 3 to 6 months)
    • Latest EA statement
    • Latest EPF statement
    • Employment letter or employment confirmation letter
    • Tax receipts or tax return (For up to 1 year)
    • Latest company CASA statements (For 1 year)
    • Commission statements
    • Latest pension statements
    • Dividend statements/vouchers
    • Annuities statements
    • Tenancy agreement
    • Latest salary slip (For 3-6 months)
    • Details of salary deposit account reflecting at least 3 months’ credited salary
    • Employment letter

     

    Promotions on Premium Credit Cards

    • Enjoy an instant rebate of RM300 on massage, facial, and slimming packages and a complimentary gym pass for 1 week when you sign up with your Standard Chartered WorldMiles Mastercard Credit Card. The offer is available at Phillip Wain, Kuala Lumpur for women clients above 25 years old.
    • PB Visa Infinite Credit Card offers complimentary 1-Year TABLEAPP ELITE Membership. You can also enjoy priority reservation and more than 300 complimentary signature dishes during the promotion period until 31 December 2018. You need to spend at least RM50,000 for retail purchases during the campaign period to obtain this offer.

    A premium credit card offers you several premium benefits and also often provides access to exclusive privileges and deals. You can also check out more promotions offered on credit cards for added benefits. Also, make sure that you read all the offer documents carefully before getting a card.

    FAQs on Premium Credit Cards

    Q. Will I get airport lounge access at all the airports?

    A. Most premium credit cards offer airport lounge benefits with its participating merchants. If you want to know the list of airport lounges you can access, contact the bank’s customer care hotline for the information you need.

    Q. Can I get more than one supplementary credit card?

    A. Supplementary cards are offered to applicants who are at least 18 years of age. A principal cardholder can get as many as up to 5 supplementary cards with their principal credit card.

    Q. What are other fees and charges I have to pay?

    A. Along with annual fee, a cardholder will have to pay for hard copy statements, sales draft retrieval fee, late payment fee (if applicable), cash advance fee, and overseas conversion charges wherever it’s applicable.

    Q. Can I increase the credit limit on my card?

    A. Every credit card comes with a credit line. If you want to increase the credit limit on your card, call/visit your bank and request for an increase. If eligible, your limit will be revised.

    Q. What types of insurance coverages can I get on my card?

    A. Under a travel insurance cover, you can get travel and personal accident benefits, luggage delay and loss reimbursements, missing and cancelled flight connection benefits, and more.

    Q. What does the Dial-For-Cash facility do? Can I use the Dial-For-Cash facility on Premium Credit Card?

    A. Yes. Premium cards provide Dial-For-Cash facility. You can use them when you are in need of immediate cash. The facility gives you repayment options ranging from a tenure of 6 to 48 months. You do not have to submit any documents exclusively for this purpose.

    Q. What does a Flexi Payment Plan mean?

    A. A Flexi Payment Plan means that the purchases you have made using the Premium Credit Card can be repaid in the form of monthly instalments as per your convenience. You need not pay the entire bill amount in a lump sum at the end of the month.

    Q. Can Premium Credit Cards be Shariah-compliant?

    A. Just like there are conventional premium credit cards, there are premium credit cards that only allow halal transactions. Such Islamic premium cards work much the same way as conventional premium cards, except for the fact that there’s a profit rate instead of an interest rate and there’s no compounding interest.

    Q. Can I get a cash advance using my premium credit card?

    A. Yes. You can carry out a cash advance transaction on your premium credit card. However, the amount you can take depends on the limit specified by the specific bank.

    Q. Is there a penalty in case of missed monthly payments?

    A. If you fail to make the minimum monthly payment as specified by the card issuer on or before the due date, there will be an additional charge levied on top of what you owe to the bank. This charge can vary from one bank to another.

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