Tag Archives: Alliance

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UPDATE July 2015 – Below contents are outdated.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.

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”

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.

The Best Credit Card in The World Just Got Better

In my comprehensive review of the Maybank 2 Cards Premier (American Express Reserve and Visa Infinite combo), I concluded it by awarding the Maybank 2 Cards Premier the title  of “The Best Credit Card In The World”.

Usually with time, most credit card issuers will downgrade the benefits that come with their credit cards. Example, when UOB Bank first launched their Privilege Banking Visa Infinite, it offered unlimited entries to airport lounges worldwide with the Priority Pass Membership Card; however, they downgraded this privilege recently and now it only offers 12X FREE entries a year.

When Maybank launched the stand alone Visa Infinite in 2011 and Maybank 2 Cards Premier (AMEX Reserve plus Visa Infinite) in early 2014, both the Visa Infinite come with a Priority Pass Membership Card that offers 5X FREE entries to airport lounges worldwide. If you did not know, these mentioned cards offer the best conversion of credit cards’ reward points to Enrich Miles or KrisFlyer Miles.

And recently, Maybank revised upwards the benefits of their Visa Infinite credit card, i.e. it now offers UNLIMITED entries to Plaza Premium Lounges nationwide for the Principal Card Holder while maintaining the 5X FREE entries with the Priority Pass Membership Card for FREE access to airport lounges worldwide. This is freaking unbelievable, who would have thought that Maybank would be so generous to upgrade their credit cards’ benefits over time.

Below are the Plaza Premium Lounges where you are entitled to FREE UNLIMITED entries with the Maybank Visa Infinite:

  • KLIA – Plaza Premium Lounge at International area
  • KLIA2
    – Plaza Premium Lounge at Gateway@klia2, Sector 3, Regional Area
    – Wellness Spa at klia2, Sector 6, International Area (after skybridge)
  • Senai International Airport – Plaza Premium Lounge at Airside
  • Penang International Airport – Plaza Premium Lounge at Domestic and International areas
  • Langkawi International Airport – Plaza Premium Lounge at Landside and Airside
  • Kuching International Airport – Plaza Premium Lounge at Airside
  • Kota Kinabalu International Airport – Plaza Premium Lounge at Domestic and International areas.

MAYBANK 2 CARDS PREMIER REVIEW

The Maybank 2 Cards Premier (which comes with both the American Express RESERVE and Visa Infinite) has two main features that are second to none. Firstly, you earn you 2X and 5X Treats Points for local transactions with the Visa Infinite and AMEX Reserve respectively. For overseas, both cards earn you 5X Treats Points. And the second main feature is that you can earn 1 Enrich Mile with every RM0.90 spent. The annual fee is automatically waived with RM80K spending a year. Even if you only spend about RM30K to RM50K a year locally, it may be still worthwhile to get the Maybank 2 Cards Premier  because you can earn yourself a one-way business class ticket to Australia or Europe with Malaysia Airlines which is worth much more than the annual fee. To learn more about the wonderful Maybank 2 Cards Premier, click on the link below to my comprehensive review:

Maybank 2 Cards Premier – A Comprehensive Review by GenX GenY GenZ

In my comprehensive review of the Maybank 2 Cards Premier, I will show you why the Maybank 2 Cards is so wonderful and what you should do to optimize your returns with it. And the overseas conversion rate of the Maybank 2 Cards Premier is way better than UOB Visa Infinite and Alliance Bank Visa Infinite where both also earns you 5X points for overseas transactions.

MAYBANK VISA INFINITE STAND ALONE REVIEW

The Maybank Visa Infinite was launched back in 2011 and immediately become an over night sensation because it earns the cardholder 5X Treats Points overseas and coupled it with the Enrich Miles conversion of 4500TP =  1 Enrich Miles, it meant that the cardholder earn 1 Enrich Mile with every RM0.90 spent. No other credit card then offered such a generous conversion of reward points to Enrich Miles.

The Maybank Visa Infinite annual fee is automatically waived with RM50K spending a year. To learn more about the Maybank Visa Infinite, please click on the link below:

Maybank Visa Infinite – A Comprehensive Review

MAYBANK VISA SIGNATURE REVIEW

The annual income requirement is RM180K for both the Maybank 2 Cards Premier and stand alone Visa Infinite. What if your annual income is only RM100K? Well, check out the fantastic must have Maybank Visa Signature which earns you 5% cash back for Petrol!!!

And the Maybank Visa Signature entitles you to UNLIMITED FREE entries to Plaza Premium Lounge nationwide. But, like I always say, Maybank is freaking generous when it comes to their credit card benefits. You see, Maybank Visa Signature Supplementary card holders are also entitled to UNLIMITED FREE entries to Plaza Premium Lounge nationwide!!!

To learn more about the Maybank Visa Signature, please click on the link below:

Maybank Visa Signature – Another Must Have Cash Back Credit Card

 

KLIA 2 FREE Airport Lounge Entries with My Credit Cards

There are 3 Plaza Premium Lounge in KLIA 2 where I can enter for FREE with my credit cards and or Priority Pass Membership Card.

  • Plaza Premium Lounge Gateway @ KLIA 2 – before main terminal and before entering immigration.
  • Plaza Premium Lounge near Gate L8 – you must pass through security. This airport lounge is a freaking big hassle for those who are departing at gates P and Q.
  • Plaza Premium Lounge Wellness Spa – Satellite Building Mezzanine Floor, next to McD.

At the previous LCCT, I can use my credit cards to get FREE entries for my family members to enter both the Plaza Premium Lounge at landside and airside; BUT, that may not be necessary the case for the Plaza Premium Lounge at Gateway@KLIA2 because they don’t accept Priority Pass Membership Card (PPMC).

The good news is that the Plaza Premium Lounge at Gate L does accept the PPMC. The bad news is – it would be a freaking big hassle if you are departing from Gates P and Q.

Click here to my article to learn more on FREE Entries to the 3 Plaza Premium Lounges at KLIA 2.

 

Alliance Bank Timeless Points Redemption Program Is Ridiculous

If you have been following my blog(s), you will know that I’ll be flying off to Europe and then to USA soon to attend my son’s Master Degree Convocation at an Ivy League University. And in my article titled Enrich Miles Sales is Fantastic with 5X Reward Points Credit Cards, I mentioned I managed to get 2 Business Class tickets to Europe because Malaysia Airlines was having a 50% Sale :) In the same article I also mentioned that I’ll be flying to Europe with American Airlines where we can redeem their ticket(s) with our Enrich Miles; but I did not to so. Click the link below to read more and see how I “earned” 30.88% cash back from using my Maybank Visa Infinite:

Enrich Miles Sale Is Fantastic with Credit Cards that Earn You 5X Reward Points.

Recently I published another where I mentioned I earned FREE 15,000 Enrich Miles for buying American Airlines tickets. This article may benefit those of you who are flying to several domestic destinations in USA. By booking directly with American Airlines online using the Multi-City booking feature, you may save some money instead of taking say Malaysia Airlines return KL/Los Angeles and then purchase separate American Airlines tickets for USA domestic flights. Click the link below and you may just save some money:

I Earned FREE 15,000 Frequent Flyer Airmiles (Enrich Miles) for Purchasing American Airlines Tickets that Earn Enrich Miles too.

And before I fly off, I would like to share with you guys about Alliance Bank Timeless Points. A member at LYN posted that we now need 43,900 Timeless Points to redeem a RM100 cash voucher. So, I went and checked and true enough, Alliance has inflated the points required to redeem stuff by almost 100%!!!

I have updated 2 of my previous articles to reflect Alliance Bank current redemption program and they are:

Visa Infinite – Alliance Bank vs Maybank vs UOB

The Best Top 10 Credit Cards in Malaysia 2014

With the 100% increase, the Alliance Bank Visa Infinite is no longer attractive for both local (2X) and overseas (5X) spending. Moreover, I have shown you guys that my Alliance VI overseas conversion rate was higher than my Maybank Visa Infinite, click below link to learn more about which credit card is the best for overseas transactions:

The Best Credit Cards for Overseas Transactions

Having said the above, the only consolation is that Alliance Bank maintained the Enrich Miles redemption at 6000 Timeless Points = 1000 Enrich Miles.

However, if you want UNLIMITED FREE entries to to airport lounge worldwide, the Alliance Bank Privilege Banking Visa Infinite is second to none because it is FREE FOR LIFE :) And with Alliance Bank new redemption program, I guess the Alliance Bank Visa Infinite card is “useless” and only good for airport lounge access.

For frequent overseas travelers, the card to get is the Maybank 2 Cards Premier AMEX Reserve and Visa Infinite Combo. Both these cards will earn you a FREE Business Class ticket with Malaysia Airlines or Singapore Airlines faster than any other credit card in the world. Actually, the Maybank AMEX Reserve is fantastic too for local spending as you will earn 5X Treats Points for every local RM1 spent. Click the link below to learn more:

Comprehensive Review of Maybank 2 Cards Premier

Credit Card Balance Transfer Plans 2014 – Best 0% Interest Rate Loan

I just republished my article on Credit Card Balance Transfer Plans to show what are the current plans available in the market.

Currently the banks offering 0% Balance Transfer Plan are AEON Card Services, Affin Bank, RHB Bank, Hong Leong Bank and Public Bank. Maybank does advertise that they are offering 0% BT for 12 months BUT that’s bull shit because you will be imposed a 3% upfront fee.

Other Banks’ Balance Transfer Plans mentioned in the article are Allaince Bank and AmBank.

No two Balance Transfer Plans are the same as each bank will have their own set of Terms and Conditions.

For those of you who are new to Balance Transfer Plans and those of you wanting to know what the banks are currently offering, click the link below to learn more on Credit Card Balance Transfer Plans:

The Best Credit Card Balance Transfer Plan 2014

In this article I will show you the following:

1. Different types of Balance Transfer Plans, i.e. True 0% BT Plans, Upfront Interest BT Plans and Reducing Interest BT Plans.

2. Current 0% Balance Transfer Plans and my comments.

3. And what you really need to know about Balance Transfer Plans.

Now, if you are stubborn and not wanting to read my above mentioned article and go ahead and perform a Balance Transfer, I have a tip for you – DO NOT USE THE CREDIT CARD WHICH YOU HAVE PERFORMED BALANCE TRANSFER WITH UNTIL YOU HAVE SETTLE THE DEBT IN FULL. This warning is most appropriate for Balance Transfer Plans that do not create a NEW ACCOUNT for the Balance Transfer.