Enrich Miles Redemption – Comprehensive Tutorial

It gives me utmost pleasure to announce that I have 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 back in 16 February 2015  and Maybank Treats Points Redemption Program effective 1 May 2015, 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.

And since a Business Class ticket from KL to London is worth about RM10K (if you book one way), that’s like getting cash back of RM5K per year with just RM2K spending a month which beats the heck out of the Maybankard 2 Card AMEX where you only earn guaranteed cash back of RM600 a year with RM1K spending a month.

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.

And if you have Liked me here in Facebook or have signed up as a Follower of mine at blogspot, you are hereby awarded the status of GenX Premier Follower and thus you are entitled to special extraordinary privileges and unbelievable discounts…..

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 start learning how you can fly Business Class for “FREE”

Agoda Visa Wednesday Promo Is Back! Up to 12% Discount

Nowadays, many credit cards including DiGi subscribers get you up to 7% discount when you book with Agoda.com.

And I usually book with Agoda.com as I have reward points with them where I can offset some of the cost for my hotel rooms. And Agoda allows us to use our Maybank American Express where we earn 5X Treats Points.

Good news – effective 8 April 2015 and until 10 June 2015, we get get 12% discount when we book with Agoda using our Visa credit cards for hotels in Australia, New Zealand, North America, Europe, Middle East, Japan and China. For other destinations, we are entitle to 10% discount, which is still better than the 7% discount with get with most credit cards.

Agoda Visa WednesdayPlease note than the discount is only applicable for travel period until 31 December 2015.

And the most important thing to note, in order to enjoy the 12% discount, you must book the room(s) on Wednesday only and via http://www.agoda.com/visawedmy

The Visa Wednesday discount is applicable to both Credit and Debit Cards.

If you are new to Agoda.com or other online hotel booking sites, please click on the link below to my article on Online Hotel Bookings:

Hotel Online Booking with My Credit Cards – Agoda.com versus HotelClub




Maybank Treats Points 10% Bonus Enrich Miles Promotion April 2015

Back in early February 2015, I converted my Maybankard 2 Cards AMEX Treats Points to Enrich Miles and still had a couple thousand Treats Points remaining which I could not redeem for anything. But with Maybank postponing the Revision of Treats Points Redemption to 1st May 2015. I managed to get more FREE Enrich Miles converted last week with my Maybankard 2 Cards Platinum AMEX!

For those who missed my Important Announcement on Maybank Treats Points and Enrich Miles, please click here to read my comments on how the inflated points affect us in terms of equivalent cash back we earn with our Maybank AMEX credit card 5X Treats Points plus you now need more Enrich Miles to redeem for FREE Malaysia Airlines tickets. Also in this article I did a comparison for redeeming return Business Class to London between Malaysia Airlines Enrich Miles versus Singapore Airlines KrisFlyer Miles. Plus the steps on how to upgrade Malaysia Airlines Economy Class ticket to Business Class using Enrich Miles.

I have accumulated more than 1,000,000 Treats Points with my Maybank 2 Cards Premier (AMEX Reserve and Visa Infinite), mainly earned from paying my children’s tuition fees (two of them in Uni and one in a Private High School). In my article titled, My Pride And Joy Who Also Makes Me Poorer By The Day (click here to read it), I have shared how much my second son high school in Melbourne cost me and where my children are schooling now.

So, last week I thought I should convert my Maybank 2 Cards Premier Treats Points to Enrich Miles so that I can redeem for FREE Business Class tickets when Enrich Miles is having a Sale again.

So with more than 1M TP in my Maybank 2 Cards Premier accounts, I redeemed more than 220K Enrich Miles. Add that to my balance in my Enrich Miles Account, I now have enough to redeem for 2 FREE return Business Class tickets to Europe! The two FREE return tickets to Europe on Business Class is worth RM30K, and it’s all thanks to Maybank. Click here to read my Comprehensive Review of the Best Credit Card in The World, if you have not.

Then the Maybank CS asked if I would like to convert my Maybankard 2 Cards Platinum AMEX TP where I had more than 10K TP. Like I mentioned earlier, early last month I already redeemed my Maybankard 2 Cards AMEX TP and it did not hit me that I will have much TP remaining.

But because I have been using my Maybankard 2 Cards AMEX on weekends to earn 5% cash back in February and March 2015. I also earned 5X Treats Points in the process. I spent about RM900/month in February and March 2015 with my Maybankard 2 Cards Platinum AMEX on essential stuff (like Petrol, Groceries, Telco bills and Makan); thus, I earned myself another 9K TP. Add to the 2K remaining, it turned out I have 11K TP which I managed to covert for 1K Enrich Miles. Currently 7000 TP = 1000 EM. Come 1st May, 10,000 TP = 1000 EM. Therefore I now have 4K TP remaining in my Maybankard 2 Cards AMEX account.

I tell you, the Maybankard 2 Cards AMEX is a really good card to own. I spent RM900 per month on essential stuff, and within 2 months I can redeem 1000 Enrich Miles for FREE.

FYI, recently I flew to Melbourne with Malaysia Airlines on Economy Class, and below are the Enrich Miles credited into my account:

In January 2015, KL to Melbourne I earned 1964 Enrich Miles BUT for my flight in February 2015, KL to Melbourne I only earned 982 Enrich Miles!!! What! Did Malaysia Airlines half their Enrich Miles for flying with them?? I must go check my wife’s Enrich Account and see how many Enrich Miles she was awarded for flying with MAS recently.

Anyway, my point is that my Maybankard 2 Cards Platinum AMEX not only earned me 5% cash back on weekends BUT it also earned me 1K Enrich Miles (for 2 months spending with it) and I don’t even need to suffer 8 hours in the plane.

About an hour ago, a regular at LYN by the nickname “bearbear” gave me a heart attack! He shared with all that Maybank is having 10% Bonus Enrich Miles Promo!!! The ad only shows Maybank 2 Cards Premier, but not Maybankard 2 Cards.

Maybank Treats Points Enrich Miles Promotion April 2015

When I saw the ad, I was like, AHHHHHHHHHHHHHHHH, If only I have waited until tomorrow to redeem my TP for EM, I would have earned extra 22K+ Enrich Miles for nothing!

Anyway, for those of you who have the Maybank 2 Cards Premier, the entire month of April is a good time to redeem your Treats Points for Enrich Miles.

And as a reminder to all Maybankard 2 Cards cardholders, call Maybank Customer Service to check how many TP you have just before 1st May 2015. I will be calling them on 20th April to see my balance TP. Last weekend, I used my Maybankard 2 Cards Platinum and earned myself 4000 TP (RM800). Add this new 4000TP to my previous balance 4K TP, I have enough to redeem another 1K Enrich Miles for FREE. I tell you, Maybank is the most generous bank in Malaysia! I love Maybank :)

Once again, if you still have yet to get the wonderful Maybankard 2 Cards or the best credit card in the world – the Maybank 2 Cards Premier, please click on the link below to start reading my The Best Top Ten Credit Card – Credit Card Ultimate Showdown 2015:

The Best Top 10 Credit Cards in Malaysia – Ultimate Showdown 2015

UPDATE 5 April 2015 – The 10% Bonus Enrich Miles Promotion is also applicable to credit card holders of Alliance Bank, AmBank, BSN, CIMB, Citibank, Hong Leong Bank, HSBC, RHB, Public Bank and Standard Chartered Bank. However, there is no mention of UOB Bank Malaysia in Enrich website.

Enrich Miles 10% Bonus April 2015 PromotionAnd here is some freaking news to blow your mind away…..

One of you guys (my iFriend) message me at Facebook that we are imposed 6% GST for redeeming FREE Enrich Miles with our Maybank Treats Points! This was also confirmed by LYN member by the nickname of bearbear.

For example, for Maybank AMEX Reserve and Visa Infinite, the current conversion rate is suppose to be 4500 TP = 1000 Enrich Miles.

But with 6% GST, the actual conversion comes out to be 4770 TP = 1000 Enrich Miles.

So, don’t freak out when your bank tells you that you need more reward points to redeem FREE Enrich Miles!

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:


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