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:

http://generationsxyz.blogspot.com/…/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):

http://generationsxyz.blogspot.com/…/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:
Lesson No.22 (NEW Added June 2015) – YOU CAN USE YOUR ENRICH MILES TO REDEEM FLIGHT WITH OTHER AIRLINES UNDER THE ONE WORLD UMBRELLA

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:

http://generationsxyz.blogspot.com/…/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:

http://generationsxyz.blogspot.com/…/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.

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

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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!