Introducing GenX Spirits

GenX Spririts Collection Nov 2015 FB Cover

It gives me utmost pleasure to present to you my new blog called GenX Spirits – Cognac Whiskey Wine. Last year and once again early this year, I mentioned that I have reached the pinnacle as far as collecting credit cards is concerned. So, I have decided to instead collect spirits and I guess the time has come for me to blog about it.

But first, please click here to my GenX Spirits Facebook Page and “Like” it to be a follower so that you are informed whenever I have a new post showing off my collection or just simply telling you what spirit or wine I have tried.

Without further ado, I present to you my new blog called GenX Spirits – Cognac Whiskey Wine at WordPress:

Click here to visit my new blog GenX Spirits Home Page at WordPress.

I have posted several articles to date titled as follows:

GenX Spirits Collection 2015 – in this article, I posted my spirits and wine collection in Melbourne Australia which includes a Yamazaki Whiskey and the Limited Edition Cordon Bleu 1912 Blend. I also shared how much I paid for each of the bottle.

Hennessy VSOP XO 250 Years Collector Blend.jpgHennessy – The World’s Top No.1 Best Selling Spirit in 2014. And guess which is the No.2 Best Selling Spirit? It’s Jack Daniel’s. In this article I also presented a Hennessy Showdown – VSOP versus XO versus Collector’s Hennessy 250 Years Blend (and the price in KLIA, Malaysia and Melbourne). Plus I will also show you a bottle of Hennessy Fine de Cognac which I bought in London. The Hennessy Fine de Cognac is not available in Malaysia or Melbourne. And if you are thinking of buying a bottle of Hennessy James Hennessy which is exclusively sold at airports only, it is to your benefit that you read this article.

Martell Exclusive Limited Edition Cordon Bleu 1912 BlendMartell Exclusive Limited Edition Cordon Bleu 1912 Blend – One Of The World’s Most Delicious Cognacs. In this article I posted the price of the LE Cordon Bleu 1912 Blend in Malaysia and Melbourne, Australia.

Baileys Irish Cream on the rocks Baileys Limited EditionBailey’s Irish Cream Gift Set 2015. In this article I will show you why having a nice drink during a happy moment can trigger fond memories which are priceless in years to come. Recently, I opened a bottle of Bailey’s Irish Cream. And it was wonderful for me as it’s like having ice-cream, sugar rush and alcohol all at the same time. However, the effect of the Bailey’s on my wife was not what I expected….

As usual, my articles are meant to be informative and in most cases I would also include the price of the spirit for your reference.

Feel free to comment at my GenX Spirits Facebook Page or at my new GenX Spirits blog at wordpress. I also welcome any suggestions/recommendations that you may have in respect of other spirits that you think I may like.

OCBC Premier Voyage MasterCard – Mini Review

Introducing the newest Credit Card for Ultimate Bragging Rights – OCBC Premier Voyage MasterCard made from duralumin.
Someone commented at my main blog – “I keep hearing OCBC promoting the OCBC Voyage Card “The 1st Metallic Credit Card In Malaysia”. Went to their website and found 0 information about it although the radio ad keeps telling us to check out
Have you heard about it and have the scoops on it?”
You guys know me lah – I got nothing better to do always eager to assist anyone in need on matters relating to credit cards, haha. So I did a mini review for his sake and for those who are thinking of signing up for the OCBC Premier Voyage Miles MasterCard.
And what I concluded is that the OCBC Premier Voyage Miles MasterCard is the best credit card for those who wants bragging rights.
So, I incorporated a mini review of the OCBC Premier Voyage Miles into my Best Top 10 Credit Cards in Malaysia 2016 article.
OCBC Premier Voyage MasterCardWithout further ado, click here to read my Mini Review of the OCBC Premier Voyage MasterCard (if you had read the article before, scroll down to Conclusion).
In the Mini Review, you will be shown what returns you’ll be earning with the OCBC Premier Voyage MasterCard and how many Voyage Miles is required to offset the annual fee of RM800 (not including 6% GST).
There is even a comparison of the OCBC Premier Voyage Miles MasterCard versus Maybank 2 Cards Premier and even versus 2 Entry Level Credit Cards which are the Maybank 2 Gold Cards and Hong Leong Bank Essential Visa.

FREE Android and Apple Apps for Fixed Deposit Promos and Top 10 Credit Cards

Last weekend I was so freaking FREE that I started to play around with a few FREE App Builders.

And I am pleased to announced that I am now a FREE App Developer, hahaha.

Please try out my FREE Apps, i.e. Fixed Deposit Promos and Malaysia Top 10 Credit Cards by following the instructions as shown in the following images:

Apple and Android Fixed Deposit App

Apple and Android Best Top 10 Credit Cards AppOf course do not expect my no budget self funded App to be top notch quality. And since I used a FREE App Builder, I have no control as to what ads are being showed or where it occurs.

However for Apple devices, the good thing is there are very minimal ads for the Apps I created using Mobincube.

And if you are thinking of building your own Apps, here is a short review of the FREE App Builders I tried out ( Mobincube versus Appypie ):


Pros: Easy To Use, Many Templates To Choose, FREE Plan ALLOWS APP TO BE EDITED AND UPDATED AFTER IT IS PUBLISHED, i.e. allows for New Version.

Cons: Does not create Icon for Apple Devices but you have to run the App under Safari.


Pros: Easy To Use, Many Templates To Choose, Allows icon to be present in Apple Devices this is really good versus MobinCube).

Cons: For the FREE Plan – it DOES NOT ALLOW UPGRADES/NEW VERSION, i.e. you cannot edit the App once it is published. This is a very major set back, you cannot correct errors/mistakes.


The Best Credit Cards To Accumulate AirAsia Big Points

If you are looking for a credit card that allows you to earn AirAsia Big Points so that you can fly for FREE, you are in luck because I will teach you a thing or two about AirAsia Big Points.

AirAsia is an award winning low cost carrier and it allows us to fly to many destinations at unbelievable low prices. AirAsia recently also won the award for the best cabin crew beating many other major airlines.

I really love AirAsia as it saves me a lot of money and allows me to fly here and there so often that is as if I’m taking the bus. And the best thing is that I can use my Maybank 2 Cards Premier AMEX Reserve to purchase AirAsia tickets and I earn 1 Enrich Mile for every RM0.954 spent on AirAsia tickets.

Credit Cards to Earn AirAsia Big Points Fly For FreeClick here to read my article The Best Credit Cards To Earn AirAsia Big Points and Fly For FREE!

In the above mentioned article, you will learn how good or bad is the Citibank AirAsia Visa Gold and Platinum credit card which earns you up to 3 AirAsia Points for every Ringgit spent.

You will be taught which credit card is the best for both local and overseas spending to earn you AirAsia Big Points.

If you are accumulating FREE AirAsia Big Points from your credit card usages, the above mentioned article is not to be missed or you’ll regret big time :)

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.