Ambank enrich visa infinite

Uob prvi miles elite for extra lounge access

what about maybank visa infinite? compare to these two?

If want to take, take man utd visa infinite version. Conversion is low for Maybank. But Maybank has option for SQ and cathay Pacific.

Hi guys pls recommend:
1. Annual Income: RM120k

2. Free Lifetime Annual Fee: waived

3. Card required for: anyday groceries shopping with mine 3% cashback. Something like Maybank visa signature 5% cashback without the fees.

4. Existing credit cards (if any):
1. Maybank ikhwan gold MasterCard
2. Maybank ikhwan platinum amex
3. Maybank 2 gold
4. Affin duo visa cash back
5. Affin duo+ visa

5. Interested in CC from: any credit card that can give min 3% cashback for anyday grocery shopping without the need for min spend.

6. Others:
Nil

Main goal: any credit card that can give min 3% cashback for anyday grocery shopping without the need for min spend.

While waiting for others to reply with a better one, PBB Islamic Mastercard gives 2% capped RM15 Grocery and Departmental Store

Too low. 😅
Main reason I cut away all my PBB cards.

The Affin DUO+ that you have basically give 3% cb for any contactless right?

Or you can consider this for low min spend:
Bank Islamic Visa Platinum - 3% cb capped at RM30 per calendar month for online, auto billings, grocery and dining, min spend RM500 per calendar month,

Yes. That's why I am looking for a better card than affin duo+

Interesting, will check out the BIMB card

Interesting meh? Sounds like affin duo/duo+ wannabe/clone

This post has been edited by Ramjade: May 28 2025, 08:15 PM

After checking the card, I find the cashback mechanism is vague. 3% Cash Back for monthly spend from RM500 to RM1,499.99

Yeah not clear cut like affin.

The closet can find is Maybank visa signature but due to the fact need to spend RM30k/year to make it free make it not worth it.

hi all, I've been reading around on airmiles and asking chatgpt for rough calculations.

seems like for an average joe, its almost impossible to gather airmiles in the normal way unless there's a 3x or 5x kinda promotion.

the rough calculations were - if for a family of 4 - example from KL to Tokyo:
- MAS airmiles required for economy return = 360,000 Enrich miles
- using Maybank 2 Card Premier as example, local spend RM1 = 2 Treats points
- conversion: 10K Treats points = 1,000 Enrich miles
- total spending required = RM1.8 mil needed

Is there something I'm missing out on? I think my overall expenditure per annum is about RM100K, seems super far off from the above haha.

can help to recco what air miles cc I should get based on the above? initially thought can redeem free business class but i guess not. im using alot of cashback cc but feels every month RM30-50 cashback like so little.

Most who can redeem miles its because of their job having lots of flying. Or you redeem from far flights but claim for near flights (not claim the same flight you fly as in your example). And Maybank exchange rate for flights is horrible for a long while anyway.

'So little' is relative, my average cashback per month is much more, but you have to measure that against your spend. If your spend is roughly 3000 ringgit per month, 30-50 cashback is about right. You hardly get more value than that for miles (benefit of miles is generally for much higher spending and uncapped).

Normally they are on business trip so they charge to their credit card and reimburse from the companies.

Also need to see your spending pattern. You cannot have cashback and miles at the same time.

You need to know how much each card is worth in terms of RM spend, watch out for promos.

This post has been edited by Ramjade: Jun 1 2025, 08:17 AM

I don’t fly for work so much these days compared to before Covid and even that I had a company credit card to use. Ironically, all my business class tickets were redeemed from 2022 onward.

Every time I always redeem a single business class ticket hence it’s achievable for me. Can’t say the same if with family. So far, I have redeemed 10 times and only business class tickets ranging from Asia to Europe. To me, to redeem one economy class ticket is a waste. The strategy is you need to know how the expenses work and from there you can plan accordingly. I changed all my cash back cards (though I still have them) to airmiles cards. Cash back I only stick to Maybank. The rest I will use airmiles cards.

But the banks charge like 3% for all overseas transaction if you are chasing miles and using it for overseas transaction. So just bear with it?

Yes. The service charge is pretty negligible vs the amount I pay for my tickets under redemption.

I was trying to avoid the charge. But if you spend like 100k, 3% it is like 3k.

Well, I may only pay less than RM 500 for a business class ticket instead of full payment more than 10k. I guess worth it. I never really bother about those charges to be honest.