As per calendar year, Jan 1 - Dec 31

one trick to earn TNB bill with 5x TP is to pay using MU VI and u hope MU win the night EPL games. so choose the day when MU play a weaker EPL team n go pay a substantial amount of TNB bills or pay some in advance. not sure if govt expenses can also qualify for that bonus TP or not though....

yup. on match day. u can Google MU match day n u just mark it down on which day u suppose to pay your TNB, insurance etc.....

Have you considered cards like HLB Fortune (someone recently revived a thread on this) to pay significant  TNB bills?  Not sure what your usage requirements are, but it gives 1% on almost any spend except govt and JOMPay as long as you spend more than RM2k per month. However, cap at RM50 (so effectively up to 5000 spending per month) BUT they have bonus cash back upon hitting annual thresholds so you could still get cashback on spending above 5000. A little complicated to explain here but it's clear if you visit the HLB page itself. Can discuss in more detail on that thread.

Strange. The announcement says effective 16 June 2016. I learned the hard way because I had been getting 1% on DBKL and Pos Online, and suddenly one month I received ZERO cashback. Called them and said change in terms.

Some dude on the HLB Fortune thread reported nearly 2% annual returns on his HLB Fortune (after including the annual bonus).

I am using Maybank KrisFlyer Amex at the moment, but having issue if u read on FFP thread.

Enrich redemptions become not competitive after they removed the 15% discount. Personally, I would only redeem Enrich during promotion period which give 30% to 50% discount. Else, I would prefer KF.

It's finally out, http://www.malaysiaairlines.com/my/en/camp...redemption.html

IMHO, 2CPremier is only worth it if you can earn enough points to exchange to air miles due to its best conversion rate and TP earning rate (though not as good as last time). Even with VI card, you get 2TP for every RM1 spent.

2 years worth of collecting points allowed me to fly business on cathay pacific by just paying RM 1k on taxes for 2 pax. Cash purchase value of the ticket is about RM 34k for 2 pax. Think of it as having a big treat once awhile.

Some people prefer monthly cash rebates. I prefer having being rewarded with big treats once awhile. 2 years of RM 50 - 100 cash rebates does not give the equivalent value as flying J class.

For those who want to optimize earning, i suggest to pair this card with either HLB Mach Signature or MBB Krisflyer Amex to take advantage of points earning from Utilities and Government. If you can get HLB VI or Alliance VI, all the better.

Just stay away from HSBC cards even though their advertised conversion rate looks good. They come with lots of T&C and limitation. I had a big headache trying to figure out when to use the card and when not to.

CIMB VI or World Mastercard while has good potential miles earning rate, the AF is too expensive and to get a waiver is a bi**h. Have to spend like RM 1Mil to get automatic waiver. There's also a limitation on the number of miles earned a year.

Sorry you need to rephrase your words, what is "pay my FD with my card"?

I am one of those that pledge FD to get the card, what is your exact problem? Pledging basically mean you tie your FD to the CC to compensate the difference of CL that the bank is willing to give you & the minimum CL required for the card.

Yea, my bad, it's the world enrich. both have ridiculous t&c.

Trick is to do the exchange to Enrich when they have 10% extra promotion, then redeem via one world redemption or one world multicarrier redemption. The problem is maybe restriction on seats by partner carrier or fresh call center staff who does not know how to do the redemption. I had to try several times to finally secure my seats.

I'm now putting my miles to Krisflyer considering that MBB still have the krisflyer card to earn miles at almost RM 1 = 1 mile.

i only use krisfler for transactions that don't qualify for x5 on 2CP amex (tnb, gov transactions etc).

Krisflyer earning is RM 2 = 1 mile for local spend. but if spend RM 60k> a year, there's a bonus of 1 additional mile for every RM spent. That amount is hit easily for me hence i factor in the bonus earning to become RM 1 = 1 Mile.

So far haven't done redemption on krisflyer. I'm using this card to capture all the miles  that would've otherwise gone to waste. Ideally if there's a card that can earn the same rate for Asiamiles, i'd have gone for it as CX has better redemption availability and lower tax charges. SQ tax charges can sometimes be eye watering. For example, the same destination i redeemed on CX J would've cost me RM 3.5k in taxes on SQ... But some forumers have found loopholes that cut the taxes which requires starting the flight from certain location (MNL etc).

My experience trying out kf redemption has been negative....never could find confirmed seats to Australia....always wait list....

And for all of enrich 's flaws, there are almost always confirmed seats available in most sectors....

After March, no more miles awarded for TNB and GOV Transaction. I stopped using VI or Amex for these two transactions immediately and switched over to HL mach Signature. Mach Sig still earns points cos it's direct conversion of total spending to Enrich at end of statement. I did use some jompay on mach sig, and that time i still earn enrich miles. Stopped using Mach Sig as of August. Now using Krisflyer for these transactions and i can confirm that all spending on Krisflyer amex earns miles as it's direct conversion to miles.
You need to know which FF you wanna park your miles to before committing on the card. I've tried Enrich and i got fed up with the YO-YO customer service & marketing. There's no way to capture my spending on utilities & gov transactions for Asia Miles redemption. Hence the final and only way is to use MBB Krisflyer card. I'm doing this only because i have >RM10k a month on utilities and gov transactions.

I plugged in 14 December and could get 2 saver level awards on the A380 to Melbourne. Could also get 2 seats but on Standard level for the trip back after 1 or 2 weeks' stay. Total miles: 246,500 or 123,250 KF miles per person. For December I think you need to be realistic and book way in advance.

As for partner airlines, what about Emirates???

asiamiles, krisflyer and enrich also can. same rate.