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Click here to my main blog to read my article Important Announcement - Maybank Credit Cards and Enrich Miles Conversion.

Enrich Miles Up To 50% Discount Effective 16 Feb 2015 until 13 March 2015, link posted by shahr04360.
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Cash Back credit cards are great especially those rewarding us with 5% cash rebate but most of them have a monthly cap. And if we have credit cards that reward us 5X points for every ringgit spend, besides redeeming for cash vouchers, we can consider redeeming our reward points for "FREE" air ticket especially when Malaysia Airline has a promotion on Enrich Miles. However, you are still required to pay for airport taxes and whatever fees.

So first I will start off with cards that reward us 5X points for more.

Cards that earn you 5X points or more for Local Transactions:

1. Maybankard 2 American Express - 5X Teats Points everyday for any type of transactions.
2. Maybankard Petronas Visa - 5X to 8X Treats Points for Petrol and Groceries.
3. American Express Gold Credit Card (without Maybankard Logo) - 5X Membership Reward points for selected transactions, i.e. Petrol, Groceries, Cathay Cineplex, GSC and Bookstores.
4. American Express Platinum Credit Card and Platinum Charge Card (both without Maybank Logo) - 5X Membership Reward points for selected transactions, i.e. Petrol, Groceries, Cathay Cineplex, GSC and Bookstores and 10X Membership Reward points with Platinum Partners.
5. HSBC limited time promotion for their Visa Signature or Premier World MasterCard - 5X at selected merchants/shopping mall (not a standard card feature but limited time promotion with T&C).

Cards that earn you 5X points or more for Overseas Transactions:

1. Maybankard 2 American Express (but be-warned, the conversion rate is minimum 2.5%, please read T&C).
2. Maybank Visa Infinite - 5X Treats Points.
3. Alliance Bank Visa infinite - 5X Timeless Bonus Points.
4. Standard Chartered Bank Visa Infinite - 5x reward points.
5.UOB Visa Infinite - 5X UniRinggit with every Ringgit spend.
6. HSBC Visa Signature and Premier World MasterCard - 10X reward points for hotel and dining with T&C including monthly cap.

And the best credit card to earn you Enrich Miles from both LOCAL and overseas spending is with the Maybank 2 Cards Premier American Express Reserve.

Click here to read my article titled Maybank 2 Cards Premier - Comprehensive Review of The No.1 Best Credit Card in Malaysla and Possibly The World too. Spend RM0.90 anywhere on earth with it and you will earn yourself 1 Enrich Mile or Kris Flyer Mile.


Did I miss out any cards offered by commercial banks offering 5X points for every Ringgit spend? Do post if I did and I will update above when I am free.

And then there are cards that earns you Enrich Miles instead of reward points with your spending:

1. Maybank World MasterCard - 1 Enrich Mile for every RM2 spent locally and RM1 spend overseas.
2. CIMB Enrich World MasterCard and Platinum MasterCard - 1.5 Enrich Mile for every RM6 spent locally and 2 Enrich Mile for every RM4 spent overseas. And for every RM1 spend with Malaysia Airline Online Purchase, you earn 1 Enrich Mile.


Now comes the conversion in term of Ringgit Spend in ascending order:

1. Maybank Visa Infinite and Maybank AMEX RESERVE - 4500 Treats Points = 1000 Enrich Mile. So with 5XTP for overseas, it works out to be RM0.90 spend = 1 Enrich Mile.

2. Maybank World MasterCard - 1 Enrich Mile for every RM2 spent locally and RM1 spend overseas.

3. American Express (without Maybank Logo) - 5600 Membership Reward points = 1000 Airmiles. So with 5X MR for selected local trasactions, it works out to RM1.12 spend = 1 Enrich Mile.

4. UOB Visa Infinite - 6000 UniRinggit = 1000 Enrich Miles. So with 5X UniRiggit for overseas, it works out to RM1.20 spend = 1 Enrich Mile.

4. Alliance Bank - 6000 Timeless Bonus Points = 1000 Enrich Miles. So with 5X TBP for overseas, it works out to be RM1.20 spend = 1 Enrich Mile.

6. Maybankard 2 Cards and Petronas Visa - 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5XTP, it works out to RM2 spent = 1 Enrich Mile.

7. CIMB Enrich WMC and Platinum works out to be RM4 spent locally and RM2 spend overseas = 1 Enrich Mile.

8. HSBC Visa Signature and World MasterCard - 3000 Reward Points = 1000 Enrich Mile (not necessary as T&C apply). So it works out to be RM3 spend = 1 Enrich Mile. And HSBC claims to have the best Enrich Miles conversion rate in town!!!! I did not take into consideration of the 5x and 10X Reward Point Promotion because it has a monthly cap besides the limited time offer.

9. Standard Chartered Bank Visa Infinite - 43,000 Points = 1000 Enrich Miles (as of 8th December 2012). So with 5X overseas, it works out to be RM8.60 spend = 1 Enrich Mile.


So from the above, it can be concluded:

for unlimited spending and for any type of transactions locally, the best is Maybank 2 Cards Premier AMEX RESERVE where by spending RM0.90 you earn 1 Enrich Mile. If one is unable to qualify for Premium CC, then the MBB 2 Cards AMEX is the best at RM2 spending = 1 EM.

for unlimited spending and for any type of transactions overseas, the best is Maybankard Visa Infinite and Maybank 2 Cards Premier AMEX RESERVE/Visa Infinite Combo where by spending RM0.90 you earn 1 Enrich Mile.

However, even with 5X Treats Points, it may not necessary means that redeeming for Enrich Miles is better in terms of cash value as compared to redeeming for cash vouchers. And we all know that Maybank offer the best value where we need the least points to redeem for cash vouchers as compared to other banks. You see, we still need to pay airport taxes and whatever other fees when we use our Enrich Miles to redeem for "FREE" air ticket with Malaysia Airlines. For example, it cost me RM1140 to redeem a return flight to Melbourne.

Click here to read my article New Toshiba i5 for RM999 with Maybankard On The Spot Redemption and Enrich Miles Redemption to get an idea if it is more worthwhile to redeem cash voucher or Enrich Miles.

So when is the best time you redeem your Enrich Miles? It's when Malaysia Airline is offering some kind of promotion.

And here are more tips for you:

1. For Maybank, we can simply call Customer Service to redeem our Treats Points to Enrich Miles and ususally it should be credited into our Enrich Account withing 7 days.
2. We can use our Enrich Miles in our account to redeem ticket online for our loved one. If you do it by phone via Enrich Customer Service, very troublesome, need to go to selected MA counter(s) and with a letter somemore.
3. We can convert out MBB Treats Points to Enrich Miles credited into anyone's Enrich Account by simply calling MBB Customer Service

UPDATE 10 April 2015

Ladies and gentlemen,

It gives me utmost pleasure to announce that I have just published my most comprehensive tutorial ever on how to fly Business Class for FREE from our credit card transactions.

With the recent inflated Enrich Miles and Maybank Treats Points Redemption Program, I thought I should do some research on how to optimize the returns from my credit cards. And every time I educate myself, you guys benefit from my hard work as I will share with you my findings.

If you take this tutorial of mine, you will learn that if you spend about RM2K per month, within 2 years you''ll be able to fly Business Class to London sooner than you would ever imagine.

All in all, there are 21 lessons plus a bonus lesson in my comprehensive tutorial on how one can get a “FREE” Business Class ticket from his/her credit cards usage.

Once again, this tutorial of mine is really comprehensive and since most of you are busy working on weekdays, it it best you take the tuition part time over the next few weekends when you are in a relax mode so that your brain can adsorb the materials presented.

Click here to read my Comprehensive Tutorial On Earning Enrich Miles with Credit Cards to start learning how you can fly Business Class for “FREE” starting this weekend - that is if you got time to waste reading and enjoy reading my freaking long articles.



NEW in February 2016 - in my article A Little Bit of This and A Little Bit Of That - Volume II, Chapter 1, I once again provided FREE lessons on Enrich Miles and Ways to redeem Business Class tickets:

I. Cost of transferring Enrich Miles from one account to another and cost to purchase Enrich Miles from Malaysia Airlines Berhad.

II. What options you have if you are short of Enrich Miles to Redeem in FULL for a Business Class Ticket.

III. What you must do first if you want to upgrade an Economy Class ticket to Business Class.

IV. Advantage of using Cash + Miles versus Upgrade Economy to Business Class.

V. Is it cheaper to upgrade an Economy Class ticket to Business Class using Enrich Miles OR Redeem in Full for a Business Class ticket.

VI. Enrich Miles Discount is also applicable to Cash + Miles.

Once again I proved that with the Maybank 2 Cards Premier 5X TP, we are getting equivalent UNLIMITED cash back of more than 10%.



This post has been edited by Gen-X: Feb 26 2016, 06:26 PM

Click here to read my comprehensive review of the Maybank 2 Cards Premier - American Express Reserve and Visa Infinite Combo.

The article/review covers the followings:

1. Why I wanted the Maybank 2 Cards Premier;

2. Real life image of my new Maybank 2 Cards Premier American Express Reserve and Visa Infinite beside my old stand alone Maybankard Visa Infinite. Of course the cards numbers' have been photoshop by yours truly;

3. Standard Card Benefits of both the AMEX Reserve and Visa Infinite;

4. Why the Maybank 2 Cards Premier has the best returns compared to any other credit card in the market;

5. Maybank 2 Cards Premier is the BEST Credit Card in The World. Reason being there is no other credit card with annual income requirement of USD60K/year that earns you 1 Enrich Mile for every USD0.30 spent anywhere on planet earth;

6. What you should do if you hold a Maybank Credit Card;

7. How to go about converting your Treats Points to Enrich Miles;

8. Foreign currency exchange rate, you will be surprised to find out that my AMEX has a better conversion rate compared to all my other Visa Infinites;

9. Places that accept AMERICAN EXPRESS;

10. Where to apply for the Maybank 2 Cards Premier; and

much more other related stuff.




1) The BEST WAY to earn miles. No limits. On How You Earn Miles. Or Use Them.

2) Minimum Annual Income to be eligible for the card - RM60K

3) 5X UNIRinggit for every RM spent overseas, retail household, automobile services and Visa Wave Transactions.

4) Redeem up to 4 Airmiles for every RM5 spent.

5) 12X Complimentary Access to Plaza Premium Lounge.

6) Offset Annual Fee with UNIRINGGIT Earned.

So, is this UOB PRIVI Miles is as good as what UOB claimed? Well, click the link below to read my review and comments on the UOB PRIVI Miles Visa:

UOB PRIVI MILES VISA - First & Last Look.

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CIMB Enrich World MasterCard's revised features:

1. Annual income requirement is now only RM100K. This card used to be by invitation only and to get the annual fee waived, one has to spend RM500K with it!

2. You earn 1 Enrich Mile for every RM1 spent overseas!!!

3. 8X FREE access to Golden Lounge.

4. FREE green fees at selected golf clubs in Malaysia, Singapore, Indonesia and Thailand.

Sounds good right? But as usual. most people are too lazy to go read the terms and conditions and compare benefits of different cards.

I have prepared a Review of the CIMB Enrich World MasterCard for the benefit of the following people:

1. Those who hold a CIMB Enrich WMC prior to 28 August 2015;

2. Those who are thinking of signing up for the card; and

3. Those who want to fly Business Class for FREE

Click here to read my article CIMB Enrich World MasterCard Versus Maybank 2 Cards Premier which also includes a mini review of the CIMB Enrich Elite World MasterCard which was launched on 1st October 2015.




Want to know which credit card is the best for accumulating AirAsia Big Points? Click here and read my article The Best Credit Cards To Earn AirAsia Big Points and Fly For FREE.




Click here to read my article titled My Son Is Going To The USA on Business Class Again. In this article I will show you how you can get returns in the 2 digit range, i.e. xx%, from Maybank Credit Cards and that includes the Entry Level Gold Maybankard 2 Cards.




I did published an article on my Visa Infinite cards offering 5X reward points and comparing the Enrich Miles Conversion Rate between Alliance Visa Infinite vs Maybank Visa Infinite vs UOB Bank VI. click here to read my article titled GenX's 5X Reward Points Visa Infinite Cards with Priority Pass Membership Card.



Previously in my article My Son Is Going to The USA Again on Business Class, I have shown that we get equivalent cash back up to 19.19% and 12.33% when we redeem Malaysia Airline Business Class ticket using the Enrich Miles converted from the Treats Points earned with the Maybank Visa Infinite and Maybankard 2 Cards respectively.

When Enrich Miles is offering 50% discount, the equivalent "cash back" we earn from using the Maybank Visa Infinite and Maybankard 2 Cards increases to 30.88% and % respectively. To learn more about how to maximize utilizing your credit cards Rewards Points, click here to read my article Enrich Miles Is Fantastic with Maybankard Visa Infintie 5X Treats Points.



Click here to read my article titled I Earned 15000 FREE Enrich Miles for Purchasing American Airlines Tickets Which Also Earn Enrich Miles where I bought American Airlines tickets using my Maybank 2 Cards Premier AMEX Reserve.

American Airlines and Malaysia Airlines are both part of the One World Alliance, and therefore we can earn Enrich Miles with AA too.

Initially when I entered the Enrich Miles Account in AA website, it was accepted but somehow they requested for it again after I made payment and is was then I kept getting an error message. Therefore finally had to call American Airlines Malaysia Contact Number to have the Enrich Miles keyed into the system manually by AA staff.



And click here to my article A Little Bit Of This and A Little Bit Of That Vol.1, Chapter V where I mentioned about "FREE" Business Class tickets for my parents, sister, son and daughter to or from Europe (Paris and London) compliments from my Maybank Credit Cards. In this article, you will learn what I had to do in order to upgrade my son's and sister's Economy tickets Paris (departed from JFK New York) to KL where I only had to pay extra USD30-USD40.

This post has been edited by Gen-X: Nov 3 2015, 06:45 PM

As usual great info from Gen-X. Thanks.
MAS will join the One World Alliance in Feb '13.
Which means, the enrich point can be used to redeem tickets of other alliance member. Currently, MAS does not fly to New York but other alliance members do (e.g. Cathay).

Quality stuff from Gen-X, I agree.
Slightly off topic. It'll be interesting to see the transformation of the Enrich programme (e.g. Membership Tiers) as well once the One World Alliance kicks in.

I believe this is why MBB is now offering unlimited PP to its WMC instead of the Enrich Silver with Lounge Access.

How about Premier Miles point conversion?

Thank you for the info, I guess that is good because my son just flew in with Cathay Pacific from US yesterday. Buying ticket from US kind of expensive. Next year I got more options

Thank you Bro.

I think MBB change the WMC to PP because no one wants to pay the annual fees, haha - speculating lah.

Better than SCB For Citi PremierMiles, last time I work it it out to be RM4.11 spent = 1 Enrich Mile in my article on Premier Credit Cards - Privilege and Exclusive Credit Cards.

This post has been edited by Gen-X: Sep 12 2013, 12:25 AM

Slightly off-topic... If you son is always flying on the lowest Economy Class fare bracket on Cathay Pacific (N, O, Q, S), ask him to join British Airways Executive Club and use that. Cathay Pacific Asia Miles doesn't give any miles on any of the mentioned Economy Class fare bracket (N, O, Q, S). And one requires less British Airways Executive Club miles to redeem for a ticket on Cathay Pacific (yes, even Cathay Pacific own Asia Miles needs more miles compared to BA Executive Club to redeem a ticket on a CX operated flight).

Thanks Bro for the info. Well, actually he doesn't care which airline he flies with but which airline got ticket for him to get home based on his wanted dates and at reasonable cost and least transits. Last two years he flew with SG and UA but need to stop over in SG. With Cathay he only has to transit in HK and then straight to KLIA. The thing he he always book last minute as he waits till his final exam dates are out so he knows what day is his last day of examination.

This post has been edited by Gen-X: Dec 20 2012, 07:22 PM

If wanted to transfer to enrich from credit card reward points.. I think rub travel money credit card is the best.. I've made a transfer to enrich 5k points with only 18k points from rhb bank... Check it out at rhb bank travel money credit card

Well, actually, for RHB Travel Money Credit Card 1750 points = 500 Enrich Miles. For other RHB cards it's 3000 points = 500 Enrich Miles.

for 1X Reward Points that's RM3.50 spent = 1 Enrich Mile; and
for 2X Reward Points for selected transactions, that works out to be RM1.75 spent = 1 Enrich Mile.

So your claim that RHB Money is the best for conversion of points to Enrich Miles is not correct but it's pretty good for an entry level credit card with 2X.

And for Air Asia, 10,400 points (for all RHB cards) = RM50 voucher which is actually very good with 2X for selected spending. I.e. 0.481% and 0.962% return for 1X and 2X points respectively. But then again, for the places where one earns 2X reward points with the RHB Travel Money, one can also use Maybankard 2 Cards and earn 5X TP or approximately 2.5% and that's not including 5% cash back.

@Gen-X

Thank you for this comprehensive analysis. Now I only know Infinite are better for overseas charges.

Hi

Just want to double check if this is true?

I called Maybank and they said that with the Amex card you get 5x treatpoint = RM1 however 7000 treatpoints = 1000 enrich miles. Compared to Maybank WMC where 5000 treatpoints = 1000 enrich miles.

For Amex, 7000 Treats points = 1000 Enrich miles. RM 1 = 5 Treatspoints. Therefore RM1.4 = 7 Treats points = 1 Enrich mile. For Maybank WMC, RM 2 locally = 5000 Treats air miles. 5000 Treats air miles = 1000 enrich miles. Therefore RM 2 = 5 Treats air miles = 1 Enrich mile. If you spend overseas then RM 1 gets you 1 Enrich mile.

If you are heavy on overseas spend, I would go with the Visa Infinite which gives you 1 Enrich mile for every RM0.90.

got it.
thanks.
is amex widely accepted?

Is visa infinite hard to apply? I travel oversea frequently..

Actually Enrich Miles claim from MAS is sometimes kind of tricky as one still need to pay for taxes & surcharges, which can be exorbitant.

I had claimed 3 return business class tickets for domestic destination in Sabah during the late 2012 Enrich 50% promo, it turns out I need to pay additional RM 600+ for all the taxes & surcharges. As a comparison, I bought another (not claim from Enrich Milles) 3 return economy class ticket to similar destination in February 2013, I only need to pay RM 300 for everything.

You should have claim for overseas. Return bussiness class to europe only 3k, super worth it

I didn't have any problems with it, but you'll need to meet their credit requirements.

Sorry can you be a bit more specific? How much did you have to pay for fees, and how many miles redeemed?

55k enrich miles, around 2600-2900 in taxes and surcharge . Flying in Paris, Flying out frankfurt