Best Top 10 Credit Cards 2016 in Malaysia

It gives me utmost pleasure to once again present to you my Exclusive Annual Ultimate Credit Card Showdown to determine the Best Top 10 Credit Cards in Malaysia 2016.

And we have a new Top 10 Credit Card this year that is FREE FOR LIFE with just 12 swipes a year and it gives you 3X FREE access to Plaza Premium Lounges without any conditions whatsoever. And the best part, it earns you 6% cash back for internet transactions.

From my analysis of 31 credit cards to determine the top 10, you will learn which card is most suitable for your spending pattern. And if you are into accumulating Frequent Flyer Miles to redeem FREE tickets with AirAsia, American Airlines, British Airways, Cathay Pacific, Malaysia Airlines, Singapore Airlines Qantas and many other airlines, my Ultimate Credit Card Showdown will teach you how you can gly Business Class for FREE sooner than you can imagine.

Without further ado, please click on the image below on the link to read my Ultimate Credit Card Showdown to determine The Best Top 10 Credit Cards in Malaysia 2016:

Best Top 10 Credit Cards Malaysia 2016 Gold 450 x 300Malaysia’s Best Top 10 Credit Cards 2016 – Ultimate Showdown

As usual, it’s best to read my freaking long winded articles over the weekend and treat them as FREE entertainment or FREE Financial Tuition.

And after you have read my Ultimate Credit Card Showdown 2016, you will be taught and influenced to collect as many FREE FOR LIFE credit cards as you possibly can in order to optimize the returns from your credit card usages.

Once again, you are reminded that credit card is a very dangerous tool that can lead you to the shit hole of debt; and as such, you are advised to use it wisely with discipline and only if you have the cash in hand to pay your credit card bill(s) in full prior to the Due Date.

And remember – Cheap No Good, Good No Cheap but FREE IS THE BEST!

Agoda Visa Wednesday is Back – Valid until 18 November 2015

Two days ago I received a SMS from RHB stating that Agoda Visa Wednesday is back! But when I checked Visa Malaysia website, they still showing the old promo which has expired back in June.

I also checked Maybank and UOB websites and there is nothing on Agoda Visa Wednesady.

BUT, in RHB website, there is a promo on the Agoda Visa Wednesday :)

Agoda Visa Wednesday 2015

The promo terms and conditions are as follows:

Booking Period –  16 September 2015 until 18 November 2015

Travel Period – 16 September 2015 until 31 March 2015

12% Discount for – Australia, New Zealand, North America, Europe, Middle East, China, Korea and Maldives.

10% discount for all other countries not mentioned above.

If you are new to Credit Cards – I suggest you read my article below before applying for one:






Recently, an iFriend of mine messaged me at Facebook to thank me for my articles and that he has managed to redeem Business Class tickets with his Maybank 2 Cards Premier.

Besides him, many of you have also thanked me for my articles over time. I do appreciate all your kind comments and truly touched whenever someone shows his/her gratitude after reading my article(s). Same goes to those who have supported me by buying stuff at Groupon via my links at my blog, thank you thank you.

Anyway, the same person who messaged me yesterday asked my opinion on the UOB PRIVI MILES VISA. I was like what the heck is UOB PRIVI Miles? So I went to UOB website and the first impression I got was – this card looks freaking fantastic. Below is what UOB advertised:

1) The BEST WAY to earn miles. No limits. On How You Earn Miles. Or UseThem.

2) Minimum Annual Income to be eligible for the card – RM60K

3) 5X UNIRinggit for every RM spent overseas, retail household, automobile services and Visa Wave Transactions.

4) Redeem up to 4 Airmiles for every RM5 spent.

5) 12X Complimentary Access to Plaza Premium Lounge.

6) Offset Annual Fee with UNIRINGGIT Earned.

So, is this UOB PRIVI Miles is as good as what UOB claimed? Well, I wasted few hours of my time reviewing the UOB PRIVI Miles card for your benefit.

Click here to read my UOB PRIVI MILES Credit Card Review

Visa Debit and Credit Card 50% Second Ticket Off with Malaysia Airlines and Singapore Airlines and British Airways

Can’t wait for Malaysia Airlines Sales, well until 30 September 2015, you are entitled to 50% off for the second ticket when you purchase the first ticket with your Visa credit card. Not only for Malaysia Airlines, but the Visa promo is also applicable for Singapore Airlines, China Airline and British Airways too.

Today I saw a Visa Credit Card Promotion ad in The Star for Malaysia Airlines. Buy 1 ticket Economy or Business Class and get the second ticket 50% off. So I went googling and as usual, good things are meant to be shared. So, click the link below to my short article (which is unusual) titled Visa Credit Card Promotion – Malaysia Airlines versus Singapore Airlines versus British Airways:

Visa Buy 1 and Get The Second Ticket 50% Off – Malaysia Airlines versus Singapore Airlines versus British Airways

And I’m very sure that you will be happy to know that Agoda Wednesday 12% off is valid until 31 December 2015

GenX’s Recommendations of Cash Back Credit Cards Malaysia 2015

GenX GenY GenZ Credit Cards Recommendations

I have been promoting the Maybankard 2 Cards for years simply because the AMEX gave us 5% cash back for any type of transactions including Petrol and Groceries that form a major part of our expenses. With the government imposing 6% GST, live has become harder for many and now even worst for credit card holders with Maybank’s evil action (during the month of Raya the 5% cash back will be revoked except for Dining).

But I have not abandoned you guys like what Maybank will be doing to you. If you are looking for alternative cards to replace your Maybankard 2 Cards, I have good news for you. I am pleased to present to you GenX’s Recommendation of Credit Cards. Please share my recommendations with others so that they too can benefit from it.

Click the link below to GenX’s Recommendations of Credit Cards:…/genxs-recommendations-…

In the above mentioned article, I have listed several cash back credit cards from UOB Bank, Hong Leong Bank, Maybank Islamic, AEON Credit, Public Bank and CIMB Bank that may be good replacements for the Maybankard 2 Cards AMEX. However, you may need to hold several combinations of cards to achieve the same effect of the Maybankard 2 Cards AMEX where the 5% cash back was applicable to all types of transactions.

I have briefly mentioned the Pros and Cons of the cash back credit cards recommended plus other types of credit cards for other types of specific wants, i.e. Frequent Flyer Miles and FREE entries to airport lounges.

Maybank will also be reducing the FREE entries to Plaza Premium Lounge with their Visa Signature and Visa Infinite to just 5X. But if you hold the Maybank 2 Cards Premier, I will show you how you can get 20X or 25X or even 45X FREE entries to airport lounges worldwide!!!

Even with just 5X Free entries to Plaza Premium Lounge, the MBB VS still not too bad as it earns the cardholder 5% cash back for Petrol and Groceries EVERYDAY where you can earn up to RM88/month or RM1,056/year.

As for the MBB VI, we started off with only 5X FREE entries only with Priority Pass Membership Card, so, add the 5X FREE entries to PPL nationwide, we still get 10X FREE entries to airport lounges. So, it’s still 100% increase from the day I got my MBB VI, hahaha.

Maybankard 2 Cards AMEX – Freaking Bad News

I have really bad news for your guys who hold the Maybankard 2 Cards. Effective 1st August 2015, the once a upon a time wonderful Maybankard 2 Card AMEX 5% weekend cash back will be downgraded to DINING only!!!

Maybankard 2 Cards June 2015 Benefits downgrade 5%

Maybankard 2 Cards June 2015 Benefits

Well, 5% cash back for dining not that bad as most of us take our family out on weekends.

So for those of you guys who need a credit card for Petrol and Groceries, the good news is Maybank still have 2 other cards that will give you 5% cash back.

Click here to review of the FREE FOR LIFE Maybank Islamic MasterCard Ikhwan Platinum or Gold – 5% cash back for Petrol and Groceries.

And if you need 5% cash back for Petrol and Groceries plus FREE access to Plaza Premium Lounge too, click here to read my review of the Maybank Visa Signature where the annual fee is auto waived with RM50K spending.

You might also now want to consider AEON Watami Visa Credit Card that will earn you 3% cash back for any transactions subject to terms and conditions. Click here to read my review of the AEON Watami Credit Card.

For more cash back credit cards option – please click here to my CASH BACK PAGE at my main blog.

Enrich Miles June 2015 Credit Card Related News and Update

Couple months ago I presented to you guys a Comprehensive Review on The Best Credit Cards for Redeeming Frequent Flyer Miles (link below):…/comprehensive-review-o…

The article mentioned was prepared as a Tutorial and covered many subjects:

1. A summary of how much you need to spent in order to earn 1 Enrich Miles comparing more than 20 credit cards for local and overseas spending;

2. Ways to redeem your Enrich Miles – i.e. Redeem full ticket, using Cash+Miles and upgrading from Economy to Business Class;

3. It is worth while to redeem for an Economy Class ticket using Enrich Miles versus paying for it in full;

4. It is more worth while to redeem for Business Class versus upgrading from Economy to Business Class;

5. My recommendation on which card to get based on one’s annual income;

6. How to get the Maybank 2 Cards Premier if your annual income do not meet the requirement;

7. Enrich Miles versus Kris Flyer (KL/London); and

8. Lots of other stuff – or else it cannot be called a Comprehensive Tutorial, hahaha.

On 16 June 2015, I was highlighted via Message at my Facebook Page that Citibank PremierMiles Visa Signature new terms and conditions will come into effect on 18 June 2015.

I just updated the above mentioned Comprehensive Review/Tutorial highlighting the new conversion rate for the Citibank PremierMiles Visa Signature PLUS a new Lesson No.22 (previously there were 21 lessons). I have decided to post the Lesson No.22 here for your quick reference:

Your Enrich Miles can be used to redeem flight with other airlines within the One World group since Malaysia Airlines is part of it.

For example, you can redeem for a return Business Class ticket KL/London with British Airways using your Enrich Miles! All you have to do is call Enrich Customer Service to perform the redemption. You will need 132,000 Enrich Miles to redeem for the return ticket KL/London with British Airways. As I have shown you earlier, you will need 127,000 Enrich Miles if you redeem online for the same trip with Malaysia Airlines. Also check out British Airways World Traveller Plus Class which is something between Economy and Business Class and you’ll be pleasantly surprised that a return flight between KL/London cost about RM5.8K only!

Another example, say you prefer to fly to Melbourne with Qantas. Once again you can do so by calling Enrich Customer Service. However, since there are no direct flights with Qantas between KL and Melbourne, you will need to to transit in Singapore.

Once again, click the below link to my Comprehensive Review of The Best Credit Card to Earn Frequent Flyer Miles to start learning about how you can fly Business Class sooner than you think:…/comprehensive-review-o…

After reading the above Tutorial, also click the link below to read my article EARN FREE GOLD BARS WITH YOUR CREDIT CARDS where in the Introduction I showed that it may NOT be a smart move, i.e. buying a return Economy Class ticket outright KL to London instead of using your Treats Points to redeem a return Business Class ticket KL to London:…/earn-free-gold-bars-wi…

Note: Above e-articles are FREE only if you have “Liked” me at Facebook and become a Follower of mine. If you have “Liked me” or is a Follower of mine at blogspot, you are automatically granted status as GenX Premier Follower; as such, you are are entitled to extraordinary privileges and unbelievable discounts which include reading any of my articles, tutorials, Credit Card Ultimate Showdowns, eBooks and reviews any time FREE FOR LIFE. No conditions whatsoever :)

The Best Credit Cards 2015 for FREE Entries to Plaza Premium Lounge at KLIA, KLIA2 and Worldwide

UPDATE July 2015 – Below contents are outdated. The Maybank Visa Infinite and Visa Signature no longer offer UNLIMITED FREE entries to Plaza Premium Lounges nationwide. Please click here to my new FREE ENTRIES TO AIRPORT LOUNGES WITH CREDIT CARDS PAGE at my main blog where I have a list summarizing the of credit cards that grant complimentary access to airport lounges.

In my Credit Card Ultimate Showdown 2015 – The Top 10 Best Credit Cards in Malaysia, I awarded Maybank the Credit Card Issuer Of The Year. They have 5 cards in my Top 10 list and I listed down the reasons why they are so freaking generous compared to other credit card issuers.

If you are looking for the best credit card to suit your spending pattern, I recommend you click here and read my Credit Card Ultimate Showdown 2015.

And once again, Maybank has given me more reasons to back up my claim that it is the most generous bank and that the Maybank 2 Cards Premier is the best credit card combo in the world.

Recently, I log on to my M2U and saw that I was imposed the RM800 annual fee and 6% GST too for my Maybank 2 Cards Premier. And since I did spend the minimum amount to qualify for auto annual fee waiver, RM800 was instantly credited into my account AND best of all, so was RM48 (6% GST)!!! No need to beg them :)

And yesterday I updated the list of credit cards that entitle us FREE entries to airport lounges at LYN and my blog. If you are a reader of mine, you should be aware that the Maybank Visa Signature Supplementary card holders are also entitled to enter Plaza Premium Lounges nationwide for FREE. Click here to read my review of the Maybank Visa Signature which also reward us with 5% Cash Back for Petrol and Groceries EVERYDAY.

Yesterday, a member at LYN by the name of zenquix (another Sifu of mine) mentioned that the Maybank Visa Infinite Supplementary Cards are also entitled to enter Plaza Premium Lounges nationwide for FREE!!! This is freaking fantastic as I have 3 Supplementary cardholders.

In addition to UNLIMITED FREE entries to Plaza Premium Lounges, the Maybank Visa Infinite also comes with the Priority Pass Membership Card (Principal cardholder only) which gives us 5X FREE entries to airport lounges worldwide.

To read my comprehensive review of the Maybank Visa Infinite (stand alone), please click here.

To read my comprehensive review of the Maybank 2 Cards Premier – AMEX RESERVE and Visa Infinite combo, please click here.

And to see which Gold, Platinum and Premier credit cards (from AEON Credit, American Express, Alliance Bank, AmBank, Citibank, HSBC, Hong Leong Bank, Maybank, RHB, and UOB Bank) that allow you FREE entries to KLIA, KLIA2 and airport lounges worldwide, please click on the link below (you can scroll down to the Summary to see the updated list):

The Best Credit Card for FREE Entries to KLIA Plaza Premium Lounges, , KLIA2 Plaza Premium Lounges (there are 3) and Airport Lounges Worldwide.

Maybank Credit Card Promo – Spend and Win Sale May to August 2015

Maybank is once again offering their credit card holders the opportunity to win some pretty good stuff but we will need to pay a nominal sum for it. Example, you may be able to get a Touch N Go Smart Tag preloade with RM500 for just RM8. Click on the images below to learn more:

Maybank Sale Credit Card Promo May and June 2015

Maybank Sale Credit Card Promo May and June 2015 2Remember – you need to register for the contest via sms:

SALE (space)  12 Digit NRIC Number (space) ITEM CODE

Example for Smart Tag: SALE 881118083668 A3

Sent to 66628

And please note, the promo is only open to Principal cardholder only.

The contest ends on 31 Augusr 2015.