Best Credit Cards in Malaysia 2016

I have not been updating this blog for sometime as effective 1st January 2016, all my latest articles were published at

If you are new to credit cards, I suggest that you first take my Credit Card Tutorial 2016 which I have updated all my previous tutorials with current contents.


Click here to start your FREE Credit Card Tutorial

After you have taken my FREE Credit Card Tutorial lessons, then only you should check out my latest Credit Card Ultimate Showdown 2016 Episode III where I compared more  than 30 credit cards to determine Malaysia’s Best Top Ten Credit Cards in 2016.


Click here to read my article titled The Best Top 10 Credit Cards in Malaysia 2016.

If you are looking for the Best Credit Cards in Malaysia for Petrol, Groceries and FREE Access to Airport Lounges at KLIA, KLIA2 & overseas, please check out my Special Edition Best Credit Cards in Malaysia article.


Click here to read my Special Edition article for the Best Credit Cards for Petrol, Groceries and Airport Lounges.

After reading the above mentioned articles, you would know that there is no such thing as the best credit card BUT you must choose the right credit card based on your spending pattern to optimized the returns from your credit card transactions.

And I have a BEST CREDIT CARD PAGE at my main blog where I recommended FREE FOR LIFE credit cards for different types of transactions and income levels.

Best FREE FOR LIFE Credit Cards 2016

Click here to my BEST CREDIT CARD PAGE and see the FREE FOR LIFE credit cards you must have in your wallet.

My main blog has tons have articles and credit card reviews to assist you in determining the best credit card based on your spending pattern.

Card issuers frequently revised there card’s benefits. Therefore it is best that you check out my latest credit card reviews in January and February 2016. The credit cards reviewed recently are Affin Bank BHPetrol MasterCard, AEON BiG Visa Classic and Gold, CIMB Bank Enrich World MasterCard, CIMB Enrich Elite World MasterCard, RHB Visa Signature, RHB Visa Infinite, RHB World MasterCard and OCBC Voyage Premier MasterCard.

Of course the best credit card to earn you frequent flyer miles faster than any other credit card on earth is no other than the fabulous Maybank 2 Cards Premier – Visa Infinite and AMEX Reserve Combo. The card was ranked the No.1 Credit Card in Malaysia for 2014, 2015 and 2016 in my Credit Card Ultimate Showdowns.

I also have an AIRPORT LOUNGE PAGE which list most of the credit cards in Malaysia that grant you FREE access to airport lounges locally and worldwide.

All my article have something to do with credit cards, and my recent article titled My Macau and Hong Kong Trip 2016 is no different. In this article, you will learn that we get 15% discount at Eraman Duty Free for Cosmetic (including SK II products) and Liquor. Plus where I went to get a supplementary CIMB World MasterCard within an hour  for my daughter. And if you are looking for a Rolex GMT Master II Blue Black Batman, you’ll be surprised that it is selling for less in Macau compared to Malaysia! And of course I used my Maybank 2 Cards Premier AMEX Reserve to pay for my AirAsia tickets and Hotel to earn 1 Enrich Miles for every Ringgit spent locally or overseas.

Please also check out my articles below published for your reading leisure…. and I’m pretty sure you will learn a thing or two which you will thank me in your later years:)

The Secret To Eternal Happiness

Burning Away Your Fixed Deposit and Earning Gold Bars With Your Credit Cards.

And for those of you guys who have PTPTN loans, I have got good new for you. You can repay your PTPTN loan ONLINE with credit cards anywhere on earth and earn some cash back in the process:)


Click here to read my article titled Paying PTPTN Loans with Credit Cards.

Last but not least, check out my Facebook Page, by clicking here and “Like” if to be notified of latest news:)

Oh yes, if you enjoy Cognac or Whisky or Red Wine, please click on the links below and visit my blog called GenX Spirits – Cognac Whiskey Wine and my other Facebook Page simply called GenX Spirits:  – my post dated 12 February 2016 will teach you how to identify a genuine Hennessy XO and VSOP so that you won’t be conned into consuming a fake Hennessy Cognac.



GenX GenY GenZ Avatar

Ladies and and Gentlemen, it gives me great pleasure to present to you my very first dotcom website – GenXGenYGenZ Dotcom. It is now online and you’ll be amazed with a new experience where you won’t be bombarded with irritating random ads anymore… unless by some miracle AdSense approves my new website in the future.

This new FREE of Random Ads dotcom website is made possible by my kind readers who have purchased stuff from Groupon via my previous links provided at my GenerationsXYZ.blogspot. By them doing so, I managed to earn about RM600 in 2015 and I used most of it, i.e. USD99 or more than RM400, to sign up for a new dotcom domain with However, if in 2016 nobody purchases anything from Groupon AFTER visiting my new dotcom site and CLICK ON the Groupon links I have provided, I will not get any income and therefore I would not have made enough to cover the cost to maintain the dotcom site for another year, So, please visit my and click on the Groupon links before you purchase anything as your actions will assist in maintaining this said website which is created to benefit everyone FOR FREE!

The reason I signed up for the dotcom domain with wordpress is because I have no knowledge in designing a website. But from my years of blogging, I have learned a few tricks on how to utilize html codes. And I have made good use of this limited knowledge of html codes to come up with a Static Front Page with very minimal text where you can simply click on the images to be directed to my article(s).

Once again, I thank you for your support over the past few years and please click on the link below to read my second post – GenX’s Online Profile and start on a new journey together and hopefully for many years to come…

And after reading the above mentioned post, please visit the Home Page and Bookmark it as you can expect a new article every other day until 1st January 2016.

The Secret to Longevity and Eternal Happiness

Today I’m going to share with you the secret to longevity – Water Of Life. It’s an eau de vie, a natural French Spirit (not the supernatural kind) rich in antioxidants and one of the purest drinks on earth! And in my article, I will present to you proof of this claim, i.e. it prolongs longevity.

the-secret-to-longevityClick here to read my article titled Cognac – Water Of Life For Longevity at my GenX Spirits WordPress Blog.

Also please visit my GenX Spirits Facebook Page for more articles on Spirits and Like it to be a follower. 

Secreto To Eternal Happiness

In case you missed it, please click here to read my article titled The Secret To Eternal Happiness which was recently published at my main blog.

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