Yes indeed, now solely focusing on CC usage on that particular card. Monthly average clocked around 40K enrich points.

Yes, HLB Infinite Enrich. Per month around 120K usage.

cashback first....$$$ . i got 2 credit card and each got own max cashback
then once cashback max, enrich point.

I think there is plenty of cards that are way better than RM3.5 per 1EP depending on your usage.

Alliance Bank's RM3000 cap each for 8x tbp (ecommerce + ewallet) is an example.

With RM6000 spending (3000 ecomms + 3000 ewallet) you can easily earn ~RM2 = 1EP

Or Maybank's world elite overseas ~RM2 = 1EP

So it really depends on your spending pattern to maximize it

No exact answer because it also depends what you are redeeming for

Biz class ticket?
First class ticket?
Economy class ticket?
Partner airlines ticket?

So it all comes down to what you are redeeming for, compare the cash price of the ticket if purchased outright, then compare to how much miles needed if purchase miles / amount needed to spend (AND ALL THESE ARE NOT TAKEN INTO CONSIDERATION OF PROMOTIONS ETC)

But basic rule of thumb, avoid economy class redemptions unless you really have to do it - go for biz class and above, 3 hours flight time and above

Always go for the higher class tickets whenever possible to maximize "returns"

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Additionally, I advocate for mindsets where you are redeeming the experience, rather than the convenience of the tickets

In another words, you generally won't spend money to buy a first or biz class ticket if you are not so well off; so normal people wouldn't have easy chance to come by to sit biz / first class. Therefore you should experience this kind of luxury made possible by your normal spendings. This is especially true if you want to take your parents to vacation or travel, chances are, if they are hardworkers in the past and living frugal life, they have never experienced such luxury. So as children, you may use your "bonus" to treat them for an pleasant experience on top of saving their poor backs from long flight durations.

But of course, if you have other priorities in life than flying with airmiles, then you would not be searching or asking through this thread anyways (cashback would be then preferred)

To be an airmiles fan, or even to maximize your returns via airmiles, you really have to do the non stop digging for your best rewards, and it takes alot of conscious effort to do it - one senior pointed out before >>> The original TS of this thread.

You can login to the MAS website.

Under the booking selection, toggle on Enrich Redemption, then select the dates desired to check flight availability, class and also points required (do note that if you lack abit more miles to hit, do know that you can purchase enrich points in your account).

Also note that currently bonus 10% conversion from bank > enrich points, validity 1 year(s)

Enrich bonus conversion

Advice, if you want to redeem your points, check early and book early, usually popular destinations and dates will sell out really quickly

All the best

To me, general rule of thumb is 1EP is worth RM0.04.

How did I come up with this figure?

Previously when you could still pay enrich saver tickets using a mixture of points + cash, you would be able to calculate it to 1EP = RM0.04.

So now if you try to buy points officially from enrich website, the cheapest you can get it for is RM0.055 per EP, so that’s definitely not worth it as you’re over paying.

I saw that you’re earning 1.5% cashback on your overseas spending. Depending on what card you’re using and the corresponding EP earn rate, the least you should be getting is RM2.5/EP to match that 1.5% cashback you’re currently earning ,which many cards actually offer, examples as follows:

Ambank Emrich VI - RM1/EP = 4% return
Ambank Enrich VP - RM2/EP = 2% return
MBB VI - RM2/EP = 2% return
UOB PME - RM1.2/EP = 3.3% return

Hope my answer helps

? dont understand