Maybank Treats Points and Enrich Miles Revision 2015

I have bad news for Maybankard 2 Cards AMEX holders and those of you who reddem Entich Miles for FREE Business Class tickets.

Effective 16th February 2015 – Enrich Miles Redemption Program will be revised where we will need to use up more Enrich Miles when redeeming for tickets to Australia and Europe.

Effective 1st M1rch 2015 – Maybank is inflating their Treats Points once again. The last time they did so was in August 2013. And this time, it includes Enrich Miles where we the new conversion rate shall be 10,000 Treats Points =  1,000 Enrich Miles. However, the conversion to EM for Maybank 2 Cards Premier, i.e. AMEX RESERVE and Visa Infinite remain the same at 4,500TP = 1000EM.

To learn more about the new redemption program, please click on the link below to read my article:

IMPORTANT ANNOUNCEMENT for Maybank Treats Points and Enrich Miles.

In the above said article, I also compared Enrich Miles versus KrisFlyer Miles taking into consideration before and after Enrich Miles revision to be effective on 16 February 2015.

Once again, for those of you who have Maybank Credit Cards, especially from those earned from the fantastic Maybankard 2 Cards AMEX Gold or Platinum, better you go redeem your Treats Points immediately.

Year of The Goat – Chinese New Year 2015 Red Packets

I just published at my main blog a short article on 2015 Ang Pows (Red Packets, also called Ang Boa and And Pau) that I collected from several Malaysian banks. Click here to see the Ang Pows or the image below to see them.

In the above mentioned article, I posted And Pows from Allaince Bank, Hong Leong Bank, Maybank, RHB Bank and  OCBC Bank including Red Packets from Alliance Previlege Banking, CitiGold, Hong Leong Bank Priority Banking, Maybank Premier Wealth Banking, RHB Premier Banking and UOB Privilege Banking.

And if you want to learn the secret how I managed to sign up for so many Premier, Privilege and Priority Banking status with my limited funds, click here to my article My Bragging Right and My Credit Cards 2015.  I also mentioned briefly the benefits of having Premier/Privilege Banking and which banks to avoid if you want to chase after Fixed Deposit Promotions.

Be A Generous and Loving Parent by Spending Your Children Future Inheritance

Recently, I bought a Prada small bag with strap for my eldest daughter and a gaming notebook for my second son.

I have just published an article titled Spending My Children Future Inheritance So That They Will Remember Me As A Generous and Loving Dad, please click the link below to read it:


http://generationsxyz.blogspot.com/2014/12/spending-my-children-future-inheritance.html

In this article, I will tell you why I was willing to burn quite a substantial sum of my money on unproductive stuff for my children and even did a very brief review of the ACER V Nitro (nothing technical but touched on the heat issue, specs and the price). And I will also share with you my experience on why a desktop computer for gaming is no better than a notebook.

Whenever I have any articles relating to my children, it’s always about me telling you that I am getting poorer but at the same time bragging about their achievements too, hahaha. But more importantly, I’m the one getting the credit and earning karma points for being generous by spending away their future inheritance.

Once again, I would like to express my gratitude to each and every one of you for wasting your valuable time reading my posts and my blogs and at the same time clicking on the irritating random ads and purchasing stuff at Groupon via the links I provide. I also appreciate the comments and kind words posted in my Facebook Page and at my blog(s). To each and every one of you who have made my blogs a success in 2014, from my heart – A BIG THANK YOU.

And to each and every one of you, I wish you a very HaPPy NeW YeAr 2015 and may god bless you all with happiness and good health always.

User Review of AmBank World MasterCard and Visa Infinite

It gives me great pleasure to introduce to you guys Mr. VergonDC, my very first guest columnist at my blog.

About a month ago, VergonDC shared with me, for overseas face to face transactions, his AmBank World MasterCard actually gives him a better return of 2.5% cash back versus Maybank Visa Signature and Visa Infinite 2% in terms of cash vouchers. Therefore, I asked him if he would be kind enough to present a review of the AmBank World MasterCard to share with others FOR FREE; he said okay.

Without further ado, please click on the link below to read AmBank World MasterCard (and Visa Infinite) Review by VergonDC:

Click here to read VergonDC’s review of the AmBank World MasterCard and Visa Infinite.

In the above said review, you will learn than the AMBank World MasterCard and Visa Infinite benefits versus Maybank Visa Signature and Visa Infinite.

If you had read my Top 10 Credit Card – Ultimate Showdown 2015, you will know that the AMBank World MasterCard together with the AmBank Visa Infinite credit cards managed to be ranked No.6 in Malaysia. The annual income requirement for both the AmBank WMC and VI starts from RM100K and best of all, both are FREE FOR LIFE without any conditions

AmBank World MasterCard and Visa Infinite annual income requirement is the same as Maybank Visa Signature, i.e. RM100K/year. And with 5X AmBank Bonus Points for non-online overseas transaction, the cardholder earns cash back of 2.5% which is more than MBB VS 2%.

The AmBank World MasterCard MC’s overseas conversion rate is much better than Maybank Visa Signature from VergonDC’s experience. And you also get to enter airport lounges locally and overseas compared to MBB VS where you can only enter local airport lounges. And the Enrich Miles conversion is very good too for overseas transactions. And best of all, the AMBank WMC and VI are FREE FOR LIFE without any conditions versus Maybank Visa Signature where you need to spend RM50K yearly to get the annual fee waived.

Please click on the link below to learn more about the benefits of the best top 10 credit cards in Malaysia:

The Best Top 10 Credit Cards in Malaysia 2015

Malaysia Best Top 10 Credit Cards 2015

Once again the time has come for me to present to you my annual list of the Best Top Ten Credit Cards in Malaysia.

Several banks have introduced new credit cards or revised the benefits for their credit cards since I last published the Top Ten CC 2014 article.

If you have been reading my articles, I guess you would know which credit card will take top spot for 2015, hahaha. But the question is will Maybankard 2 Cards Platinum (The No.1 Credit Card for 2011, 2012 and 2014) be sharing the top No.1 spot again?

And after two weeks of cracking my head writing, researching, analyzing, editing, proof reading over and over again (but I bet you will still find tons of grammar and spelling mistakes), creating images with my low budget software (actually FREE software) while I chain smoke, it gives me great pleasure to present to you my Exclusive Credit Cards Showdown 2015 – The Best Top 10 Credit Cards in Malaysia.

Click on the below link to see GenX GenY GenZ’s Top 10 Credit Cards in Malaysia 2015 and you may just learn a thing or two or maybe nothing at all:

Click here to my Credit Card Ultimate Showdown 2015 – Malaysia’s Top 10 Best Credit Cards

For those of you who have been reading my articles at my blog, most probably you will not gain much new info in my latest Credit Card Showdown article. But I believe for those new to my blog, it will give them some insight as to what credit cards can benefit them and what to look for when choosing a credit card now and in the near future. But more importantly, those new to credit cards are taught that credit cards can actually be beneficial if used wisely and responsibly.

Towards the end of the article, I thought I would make the boring article more lively by giving you guys a template to email to the banks, hahaha.

And I would like to thank all of you who have taken some time off to read my freaking long articles. 

Maybank Islamic MasterCard Ikhwan Credit Card Review – 5% Cash Back for Petrol and Groceries

For those of you who are searching for another credit card (annual income requirement stating from RM30K) to compliment your Maybankard 2 Gold/Platinum Cards, especially for Petrol and Groceries, I have good news for you.

It gives me great pleasure to present to you Maybank Islamic MasterCard Ikhwan Gold/Platinum Card – another fantastic FREE FOR LIFE Cash Back Credit Card from the generous Maybank to assist us in earning 5% cash back for Petrol.

Please click on the below link or image to read my very short review of the Maybank Islamic MasterCard Ikhwan Credit Card where I will show you how you can benefit from it – that is if you need another card for petrol and/or groceries:

Maybank Islamic MasterCard Ikhwan Card Review

 

Malaysia’s Best Credit Card Issuer 2014 – 2015

Very soon I shall present to you Malaysia’s Best Top 10 Credit Cards – Ultimate Showdown 2015. And as a prelude to my Top 10 List of Best Credit Cards in Malaysia, I will now share with you a new special award, i.e. The Best Credit Card Issuer/Bank, and the winner is none other than the freaking generous Maybank.

Malaysia Best Credit Card Issuer Award Gold
Generally, I do not encourage anyone to post comments at my Facebook Page, but this time around, I make an exception and I would appreciate if you could take some time to comment on the wonderful Maybank Credit Cards at my Facebook Page with regard to:

1. You applied for a Maybank credit cards after you read my articles; or

2. How the FREE FOR LIFE Maybankard 2 Platinum/Gold Cards or any other Maybank credit cards card has benefited you; or

3. You appreciate that Maybank provides Toll Free Customer Service for their Maybankard 2 AMEX Gold. Platinum and Premier cardholders; or

4. Maybankard Centres (1U, KLCC and The Gardens) are really convenient because they can issue you the card(s) in about 2 hours time (Mon-Fri before 7pm); or

5. You are very happy that you do not need to beg year after year for annual fee waiver for the Maybankard 2 Cards or other Maybank Credit Cards;

6. You have a Maybank Credit Card and you just want to say “Thank You, Maybank”.

And once again, click on the following links to read my past Credit Card Ultimate Showdowns and bring yourself up to speed before I present to you The Best Top 10 Credit Cards in Malaysia 2015:

Malaysia Top Ten Credit Cards Ultimate Showdown 2011
http://creditcardsmalaysia.blogspot.com/2011/05/malaysia-top-ten-credit-cards-ultimate_16.html

The Best Top 10 Credit Cards in Malaysia – Ultimate Showdown 2012
http://generationsxyz.blogspot.com/2012/03/best-top-10-credit-cards-in-malaysia.html

Top 10 Best Credit Cards in Malaysia – Ultimate Showdown 2014
http://generationsxyz.blogspot.com/2013/10/top-10-best-credit-cards-in-malaysia.html

The Best Credit Card in The World Just Got Better

In my comprehensive review of the Maybank 2 Cards Premier (American Express Reserve and Visa Infinite combo), I concluded it by awarding the Maybank 2 Cards Premier the title  of “The Best Credit Card In The World”.

Usually with time, most credit card issuers will downgrade the benefits that come with their credit cards. Example, when UOB Bank first launched their Privilege Banking Visa Infinite, it offered unlimited entries to airport lounges worldwide with the Priority Pass Membership Card; however, they downgraded this privilege recently and now it only offers 12X FREE entries a year.

When Maybank launched the stand alone Visa Infinite in 2011 and Maybank 2 Cards Premier (AMEX Reserve plus Visa Infinite) in early 2014, both the Visa Infinite come with a Priority Pass Membership Card that offers 5X FREE entries to airport lounges worldwide. If you did not know, these mentioned cards offer the best conversion of credit cards’ reward points to Enrich Miles or KrisFlyer Miles.

And recently, Maybank revised upwards the benefits of their Visa Infinite credit card, i.e. it now offers UNLIMITED entries to Plaza Premium Lounges nationwide for the Principal Card Holder while maintaining the 5X FREE entries with the Priority Pass Membership Card for FREE access to airport lounges worldwide. This is freaking unbelievable, who would have thought that Maybank would be so generous to upgrade their credit cards’ benefits over time.

Below are the Plaza Premium Lounges where you are entitled to FREE UNLIMITED entries with the Maybank Visa Infinite:

  • KLIA – Plaza Premium Lounge at International area
  • KLIA2
    – Plaza Premium Lounge at Gateway@klia2, Sector 3, Regional Area
    – Wellness Spa at klia2, Sector 6, International Area (after skybridge)
  • Senai International Airport – Plaza Premium Lounge at Airside
  • Penang International Airport – Plaza Premium Lounge at Domestic and International areas
  • Langkawi International Airport – Plaza Premium Lounge at Landside and Airside
  • Kuching International Airport – Plaza Premium Lounge at Airside
  • Kota Kinabalu International Airport – Plaza Premium Lounge at Domestic and International areas.

MAYBANK 2 CARDS PREMIER REVIEW

The Maybank 2 Cards Premier (which comes with both the American Express RESERVE and Visa Infinite) has two main features that are second to none. Firstly, you earn you 2X and 5X Treats Points for local transactions with the Visa Infinite and AMEX Reserve respectively. For overseas, both cards earn you 5X Treats Points. And the second main feature is that you can earn 1 Enrich Mile with every RM0.90 spent. The annual fee is automatically waived with RM80K spending a year. Even if you only spend about RM30K to RM50K a year locally, it may be still worthwhile to get the Maybank 2 Cards Premier  because you can earn yourself a one-way business class ticket to Australia or Europe with Malaysia Airlines which is worth much more than the annual fee. To learn more about the wonderful Maybank 2 Cards Premier, click on the link below to my comprehensive review:

Maybank 2 Cards Premier – A Comprehensive Review by GenX GenY GenZ

In my comprehensive review of the Maybank 2 Cards Premier, I will show you why the Maybank 2 Cards is so wonderful and what you should do to optimize your returns with it. And the overseas conversion rate of the Maybank 2 Cards Premier is way better than UOB Visa Infinite and Alliance Bank Visa Infinite where both also earns you 5X points for overseas transactions.

MAYBANK VISA INFINITE STAND ALONE REVIEW

The Maybank Visa Infinite was launched back in 2011 and immediately become an over night sensation because it earns the cardholder 5X Treats Points overseas and coupled it with the Enrich Miles conversion of 4500TP =  1 Enrich Miles, it meant that the cardholder earn 1 Enrich Mile with every RM0.90 spent. No other credit card then offered such a generous conversion of reward points to Enrich Miles.

The Maybank Visa Infinite annual fee is automatically waived with RM50K spending a year. To learn more about the Maybank Visa Infinite, please click on the link below:

Maybank Visa Infinite – A Comprehensive Review

MAYBANK VISA SIGNATURE REVIEW

The annual income requirement is RM180K for both the Maybank 2 Cards Premier and stand alone Visa Infinite. What if your annual income is only RM100K? Well, check out the fantastic must have Maybank Visa Signature which earns you 5% cash back for Petrol!!!

And the Maybank Visa Signature entitles you to UNLIMITED FREE entries to Plaza Premium Lounge nationwide. But, like I always say, Maybank is freaking generous when it comes to their credit card benefits. You see, Maybank Visa Signature Supplementary card holders are also entitled to UNLIMITED FREE entries to Plaza Premium Lounge nationwide!!!

To learn more about the Maybank Visa Signature, please click on the link below:

Maybank Visa Signature – Another Must Have Cash Back Credit Card