It does not matter if you just love traveling or you constantly jet out of the country for business, you must’ve surely been hit by the high travel costs at some point. So it is only reasonable for you to reduce whatever you can to save some money. In this article, we explore a list of top travel credit cards in Malaysia.
With it, you are able to earn air miles or reward points anytime you use your card for some purchases in Malaysia or abroad. It is these air miles you now transform to miles of your favorite frequent flyer programme, which will then open the door to lots of travel benefits like fewer airfares, seat upgrades, free lounge accesses or sometimes, free travels. The list of top credit cards in Malaysia are listed below:
1. The Alliance Bank Visa Infinite Credit Card
This card gives you reward points instead of air miles. Although these points can be redeemed for air miles of partaking frequent flyer programmes, that includes Enrich and AirAsia BIG. The card also lets you have access to other travel goodies like airport lounge access, travel insurance cover, and so on.
The advantages that come with using this card are you earning 5x Timeless Bonus Points for every RM1 spent overseas, 2x Timeless Bonus Points for every RM1 spent locally, being able to redeem TBPs for air miles of participating frequent flyer programmes, including Enrich and AirAsia BIG, having unrestricted access to over 850 VIP lounges all over the globe, enjoying full access to to Plaza Premium Lounge in KLIA, accessing a dedicated travel hotline and a yearly fee being overlooked with a minimum spend of RM30,000 per annum.
The least income requirement for the Alliance Bank Visa Infinite Credit Card is RM150,000 per annum. Do not expect to receive Timeless Bonus Points for petrol and government agency transactions and the unrestricted VIP lounge access is connected to minimum retail expenses of RM300,000 in the present year.
2. Standard Chartered WorldMiles World Mastercard Credit Card
Owners of this card can earn a high amount of air miles and have access to a lot of travel benefits. The WorldMiles you get with the Standard Chartered WorldMiles World Mastercard Credit Card can be redeemed for air miles of partnering frequent flyer programmes, such as KrisFlyer, Enrich, AirAsia BIG, and Asia Miles.
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There is also the benefit of amazing discounts on hotel stays as well. Advantages of using this card include, 3 WorldMiles as soon you spend RM2 abroad, 1 WorldMiles as soon you spend RM3 locally, enjoying unrestricted access to Plaza Premium Lounge in KLIA and KLIA2, cash rebate of about RM80 on airport limousine and KLIA Ekspres Rides with 3x overseas spends in the last one month, access to global concierge services all through the year, expenses of about RM60,000 p.a. at least which ensures the yearly fee of RM600 is overlooked.
The least income needed for the Standard Chartered WorldMiles World Mastercard Credit Card is RM90,000 p.a. Enjoyment of the access granted to Plaza Premium lounges is restricted to the main cardholders with legit international boarding passes. Cash rebate for airport ride transfers also concerns just the principal cardholder.
3. Citi PremierMiles Visa Credit Card
You are able to earn PremierMiles every time you transact with this card, it doesn’t matter if it is abroad or locally. You get 2 PremierMiles for every RM3 equivalent spent in a foreign currency and on specific online travel partners. As for Online travel partners, they are flight booking websites Airasia.com, CathayPacific.com, MalaysiaAirlines.com, and SingaporeAir.com, and hotel booking websites like Agoda.com, Airbnb.com, Expedia.com, and Traveloka.com. 1 PremierMile will be earned when you spend RM3 on transactions locally.
PremierMiles can be redeemed with partaking airline partners at 1,500 PremierMiles for 1000 Air Miles. You get to have fun with the unlimited access to specific Plaza Premium lounges in Malaysia too. When you use your card at least thrice during travel overseas, you get a complimentary ride home from KLIA1.
Green fees will be available to you at discounted prices during the week at specific golf courses. You will be allowed amazing benefits at more than 900 luxury hotels all over the world. You can even eat at specific restaurants with an almost 50 percent discount. PremierMiles will also be earned when you buy fuel at any filling station. The least income needed is RM100,000 per annum.
4. Maybank World Mastercard Credit Card
Immediately your card gets approved, you receive 50,000 Treats AirMiles for no charge. And you can use these miles for travel conveniences like free flights, subsidized airfares, and seat upgrades. 5 Treats AirMiles will be earned anytime you are charged RM2 locally. 5 Treats AirMiles will be earned anytime you are charged RM1 internationally. 1x Treats AirMiles will be earned when you buy fuel, pay your utility bills, pay educational setups or for all insurance transactions.
The Treats AirMiles also do not have an expiry date. 50,000 Treats AirMiles will be available to you immediately your credit card is approved. You will be granted complimentary 5x access to partaking Plaza Premium Lounges in Malaysia plus you will receive travel insurance of about RM2 million. You also enjoy Mastercard Global Concierge Services throughout the day, including midnights. The least income needed is about RM120,000.
5. RHB Premier Visa Infinite Credit Card
Any reward point received on this card has no expiry date and can be used to get air miles of partaking frequent flyer programmes like Asia Miles, KrisFlyer, Enrich, and AirAsia BIG. What makes it stand out is the amount you will have to spend to earn air miles. For example, you will receive a single Enrich Mile every time you spend RM0.75 abroad and RM2 when you spend locally.
To cap it all up, the yearly charges for principal and supplementary cards is canceled forever. You receive 8x Reward Points anytime you spend RM1 abroad and 3x Reward Points for all RM1 spent locally on online transactions, food, hotels e.t.c. You also get 1x Reward Points for retail transactions you indulge in. Do not expect reward points for petrol, charity, cash advance, and government agency transactions plus the least amount needed to be able to get this card is RM150,000. If you spend less than RM100,000 on the card every year, you are restricted to 10x lounge access.
There you have it – a comprehensive list of travel credit cards in Malaysia. if you have other recommendations, feel free to drop them in the comment section below.