https://www.budgetsis.com/home daily 1.0 2025-06-10 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ce2af093-adb6-42c2-a342-29999a86d43f/IMG_6018.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/6322e392-202b-43dc-b8ff-1e840e437026/IMG_6624.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a5b4ebf8-0c6a-4096-a582-ca2f70e48fad/IMG_6576.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/78f1896c-d5cd-4f8b-88ab-8da27cbdee4f/IMG_0141.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a2f89b8f-16d4-4568-9167-cfd63e6e29e7/IMG_6313_jpg+2.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b40d76b1-3000-4152-b387-36cf881173ad/IMG_6475+2.JPG Home https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b5d2fc10-1a56-4ee0-86bc-92c69cd1961c/IMG_5921+2.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/23843a83-3fbf-49bf-a389-08e0dfc7605a/IMG_7123_jpg+2.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/1c478e61-ffbf-497f-a057-ddd8f51f0a92/IMG_5658_jpg.JPG https://www.budgetsis.com/credit-card-guide daily 0.75 2025-06-08 https://www.budgetsis.com/credit-card-guide/free-amp-simple-guide-to-points-amp-miles-6s8nd monthly 0.5 2025-06-08 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/299fdde7-d454-4f5c-8f32-b0d8c8197131/IMG_0127.jpg Credit Card Guide - Free & Simple guide - How to Maximise Credit Card Rewards by Paying Bills and Loans via Third-Party Platforms - Like my favourite platform - Every What Can EveryPay Do? EveryPay is a third-party platform that lets you pay bills, loans, rent, and more using your credit card — even if the merchant doesn’t accept cards! Here’s what you can use it for: ✅ Housing loan / Rental ✅ Car loan (hire purchase) ✅ Personal loan ✅ Insurance (non-auto debit) ✅ Education / Tuition fees ✅ Renovation invoices ✅ Condo maintenance & sinking fund ✅ Government bills (e.g., DBKL, LHDN, KWSP) ✅ Utilities (sometimes excluded from direct points by banks!) Why use EveryPay? – Earn credit card points, cashback, or miles – Unlock rewards even from bills you normally can’t earn from – Pay online easily, no more manual bank transfers – Schedule recurring payments or set reminders – Use your Amex, Visa, or Mastercard with smart card pairing https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/f80abe52-488e-448d-91f3-3ad9d4b839c9/Free+Airmiles+Guide.png Credit Card Guide - Free & Simple guide - How to Maximise Credit Card Rewards by Paying Bills and Loans via Third-Party Platforms - Steal My Entire Done-For-You System for Earning Points and Miles Like a Pro— Even If You Have Little to No Experience! Use the RIGHT Cards align with spending behavior I always use credit cards that give me bonus points for categories I spend the most on, like online & ewallet, oversea spending, dining, and travel. This way, I’m earning extra points without changing my spending habits and it can maximise my miles~ Leverage Promotions: Stay updated with platform-specific promotions to further reduce fees or boost rewards. Calculate Cost-Benefit: Ensure your earned rewards or cashback exceed any fees you incur. Double your points with a spouse/ travel partner. Refer your spouse/partner to get referral bonus. using the same pooling FFP. Combine the points to redeem free travel My Journey was slow too I know nothing about points & miles with a lot of trial and error since then I started digging deeper. I learned about credit card rewards, miles, and how to maximize them. And after learning all these strategies, I slowly built up my points balance. I learned about the best cards to use, the sweet spots for earning points, and how to transfer them to different airlines and hotels. Trust me, it wasn’t easy but the rewards were worth it ! My Comprehensive Ultimate Miles Guide - Get It Here https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3872f3ab-3427-4e18-a271-e5785a06c64d/Free+Airmiles+Guide+%281%29.png Credit Card Guide - Free & Simple guide - How to Maximise Credit Card Rewards by Paying Bills and Loans via Third-Party Platforms - What’s inside my ebook? Everything A-Z About Points and Miles: step-by-step easy-to-follow modules covering all aspects of earning and redeeming points and miles. This is a ONE. STOP. SHOP. for travelers looking to leverage points for incredible adventures. Lifetime Access to Ongoing Updates: Enjoy lifetime access to course updates and community support groups. Stay informed about the latest travel deals, loyalty programs, and earning strategies. Exclusive Community Access: join our community to share tips, and celebrate successes together.to get latest updates and tips Free Travel Itineraries for members also free flight deal update More hidden feature & loopholes in my guide ✨ Hidden Features & Loopholes I Share: – How to reduce fees as low as 0.3% with my exclusive code – What bill types still earn full points even after banks cut off MCC codes – The trick to use Amex for payments that usually don’t accept Amex – Stack with CardUp / iPayMy / EveryPay based on card promos (yes, I compare!) – Double dip rewards with card promo + platform bonus – The safest way to automate recurring payments without missing due dates – A little-known way to pay property-related expenses and still earn rewards – How I paid my renovation & wedding using credit card (and flew business class with the points) Bonus for my community: ✅ Lowest fees in Malaysia ✅ Card pairing cheat sheet ✅ Access to ask me 1:1 if not sure which card to use My Comprehensive Ultimate Miles Guide Join Us here - Get It Here https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/441952c5-e771-4d00-ab47-ebff47739f55/Budgetsis+RATE+CARD.png Credit Card Guide - Free & Simple guide - How to Maximise Credit Card Rewards by Paying Bills and Loans via Third-Party Platforms - Reel Feedback I’ve helped tons of members successfully redeem Business Class flights with just a small amount—or even fly for free—saving thousands on travel costs! ✈️ With the right strategy, you can turn your everyday household expenses into valuable points. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/40e29ac3-c194-4857-8491-5be6ec44d84a/Mockup+Templates+With+MRRPLR+%E5%89%AF%E6%9C%AC+%282%29.png Credit Card Guide - Free & Simple guide - How to Maximise Credit Card Rewards by Paying Bills and Loans via Third-Party Platforms My guide includes a personalized 1:1 card restructuring advice to maximize your points and miles, plus lifetime access to our supportive community group where we share the latest travel deals, promos, and tips. Don’t miss out, join us now and start flying smarter! My Comprehensive Ultimate Miles Guide Join Us here - Get It Here https://www.budgetsis.com/credit-card-guide/free-amp-simple-guide-to-points-amp-miles monthly 0.5 2025-06-08 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/f80abe52-488e-448d-91f3-3ad9d4b839c9/Free+Airmiles+Guide.png Credit Card Guide - Free & Simple guide to Points & Miles - Steal My Entire Done-For-You System for Earning Points and Miles Like a Pro— Even If You Have Little to No Experience! Use the RIGHT Cards align with spending behavior I always use credit cards that give me bonus points for categories I spend the most on, like online & ewallet, oversea spending, dining, and travel. This way, I’m earning extra points without changing my spending habits and it can maximise my miles~ Learn to turn my non card expenses into card points Turn Non-Card Expenses into Points. Even if a bill can’t be paid directly with a credit card (like rent or utilities or renovation fees), I find ways to turn those payments into points! Some 3rd party services let you pay bills with a credit card for a small fee, and use those to pay. It’s a great way to earn points on expenses that usually wouldn’t count! In my ebook that will teach you how to do it like i do ~ All tutorials are in my comprehensive guide get it here Double your points with a spouse/ travel partner. Refer your spouse/partner to get referral bonus. using the same pooling FFP. Combine the points to redeem free travel My Journey was slow too I know nothing about points & miles with a lot of trial and error since then I started digging deeper. I learned about credit card rewards, miles, and how to maximize them. And after learning all these strategies, I slowly built up my points balance. I learned about the best cards to use, the sweet spots for earning points, and how to transfer them to different airlines and hotels. Trust me, it wasn’t easy but the rewards were worth it ! My Comprehensive Ultimate Miles Guide - Get It Here https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3872f3ab-3427-4e18-a271-e5785a06c64d/Free+Airmiles+Guide+%281%29.png Credit Card Guide - Free & Simple guide to Points & Miles - What’s inside my ebook? Everything A-Z About Points and Miles: step-by-step easy-to-follow modules covering all aspects of earning and redeeming points and miles. This is a ONE. STOP. SHOP. for travelers looking to leverage points for incredible adventures. Lifetime Access to Ongoing Updates: Enjoy lifetime access to course updates and community support groups. Stay informed about the latest travel deals, loyalty programs, and earning strategies. Exclusive Community Access: join our community to share tips, and celebrate successes together.to get latest updates and tips 1:1 DMs Support - where you can ask my anytime, anywhere, I’ll answer your questions, provide personalized & restructuring current cards vs current expenses advice, and share insider tips on maximizing your rewards. Free Travel Itineraries for members also free flight deal update https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/441952c5-e771-4d00-ab47-ebff47739f55/Budgetsis+RATE+CARD.png Credit Card Guide - Free & Simple guide to Points & Miles - Reel Feedback I’ve helped tons of members successfully redeem Business Class flights with just a small amount—or even fly for free—saving thousands on travel costs! ✈️ With the right strategy, you can turn your everyday household expenses into valuable points. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/40e29ac3-c194-4857-8491-5be6ec44d84a/Mockup+Templates+With+MRRPLR+%E5%89%AF%E6%9C%AC+%282%29.png Credit Card Guide - Free & Simple guide to Points & Miles My guide includes a personalized 1:1 card restructuring advice to maximize your points and miles, plus lifetime access to our supportive community group where we share the latest travel deals, promos, and tips. Don’t miss out, join us now and start flying smarter! My Comprehensive Ultimate Miles Guide Join Us here - Get It Here https://www.budgetsis.com/credit-card-guide/malaysias-shariah-compliant-miles-credit-cards monthly 0.5 2024-09-22 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/850ec249-399f-4c65-b0b1-bc76c8d7ad6a/5c874371f50752ac33dae6bb+%281%29.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - Maybank World Mastercard Ikhwan (soon to be world elite) Local - RM2 : 5 TreatsPoints = MPR RM4 Overseas - RM1 : 5 TreatsPoints= MPR RM2 10,000 TreatsPoints upon first spend* Airport Lounge Access https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7fe0cee2-f7f4-4439-9330-287f33a7e24d/519489e2193821ed4a0000ea+%281%29.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - Maybank Islamic Ikhwan Visa Infinite Card-i Earn up to 2 Treatspoints for every RM1 spent local Earn 5 Treatspoints for every RM1 spent overseas Earn 1x Treatspoints on all transactions for utilities, petrol, education, EzyPay and insurance transactions 10,000 TreatsPoints awarded upon first time spend on card Airport Lounge Access https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/72039859-b628-4866-a8e8-2f9e47b071b5/519489e2193821ed4a00003d+%281%29.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - AmBank Islamic Visa Infinite 5X AmBonus Points for overseas spend Airline Miles conversion at over 50 airlines partners Travel Takaful Insurance Lounge access https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/9a1c9ad7-512e-4bd3-a6ea-51e6827a39ec/519489e2193821ed4a00003e+%281%29.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - AmBank Islamic Visa Signature 3X AmBonus Points for overseas spend Airline Miles conversion at over 50 airlines partners Travel Takaful Insurance Airport Lounge access https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/af5001c9-ef11-41e5-983a-7798a9cdccdd/519489e2193821ed4a00007a.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - CIMB Islamic Mastercard Platinum Earn 1 Bonus Point for every RM1 you spend Redeem flights and hotel stays from 11 airline partners and 3 hotel chains. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/6de24439-61bb-4396-b237-869813c51703/53c8a6d3f2d42521322f2820+%281%29.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - AFFIN Islamic World Mastercard 3X AFFIN Rewards Point for overseas transactions 1X AFFIN Rewards Points for local transactions Airport Lounge Access https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/c072b603-2363-4c2e-8abb-13ef32502fc8/3.jpg Credit Card Guide - Malaysia's Shariah-Compliant Miles Credit Cards - Ready to take your miles game to the next level? Purchase my ebook guide, The Ultimate Guide to Earning Air Miles and learn how to: Strategically earn miles and points. Find the best redemption opportunities. Maximize your travel rewards & redeem flights Avoid common pitfalls. 1:1 DMs Support Exclusive updates on the latest card promotions and travel trends. https://www.budgetsis.com/credit-card-guide/cashback-credit-card-with-lounge-access-in-malaysia monthly 0.5 2024-09-16 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d2fe18fb-f2d1-4425-8d8d-351bf6edd80e/519489e2193821ed4a000009+%282%29.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - Aeon Visa Gold Get 8% Cashback on the 20th & 28th of every month at AEON Stores & AEON BiG Hypermarkets Enjoy 5% Cashback on Dining Transaction Enjoy 3X Complimentary Access to Plaza Premium Lounge in Malaysia https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ced6a520-4afc-4b43-9d00-fd72151995d3/565d7a5c7c3b559945f5257e.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - Aeon Big Visa Gold Enjoy 5% Cashback on the AEON BiG Thank you Member Day, 28th of every month Enjoy 5% Cashback for petrol every Sunday Enjoy 2% Cashback for online and overseas spending every day Enjoy 3X Complimentary Access to Plaza Premium Lounge in Malaysia https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/370dd0fa-3f2d-48d2-ba28-51be55d46f7d/51c028adcd7c300920000004.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - RHB VISA SIGNATURE Up to 6% Cashback Up to 6x complimentary access to selected Plaza Premium Lounge in Malaysia in a calendar year with minimum spend of RM500 and above in the past calendar month to earn access. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/52d61dff-5285-44ce-a734-43ca790cbc9b/56d94e05e7a1074832bdd147.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - RHB WORLD MASTER CARD Enjoy up to 6% cashback Enjoy up to 6x complimentary access to selected Plaza Premium Lounge in Malaysia in a calendar year with minimum spend of RM500 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/9a3d0cb8-5032-413c-8293-d9924b28bc0c/537eea2c06a589d1189a6e0c.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - PB Visa Signature Credit Card Enjoy 3% Cash Back and earn Green Points & VIP Points for your purchases 2x complimentary access to Plaza Premium Lounge in Malaysia with minimum accumulative retail transactions of RM1,000 within 30 calendar days before and/or after each lounge access. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/55e43040-35c7-4a96-9dfb-c2c50bd5a87b/519489e2193821ed4a000120.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - PB Visa Infinite 2% Cashback for overseas retail purchases 0.3% Cashback for local retail purchases 3x access to Plaza Premium Lounge in Malaysia https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3e6141dd-9afb-4bf3-9198-52c08395b365/5d9ff9a04945eeac7b690da5.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - Bank Rakyat Platinum Explorer 5% cash back for all airlines and hotel bookings Enjoy 3 times complimentary access a year to all Plaza Premium Lounge in Malaysia https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/df1f8e56-78dd-427c-8867-00fc8b2ec739/64ec266e909d473f02007ab6.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - CIMB PETRONAS VISA INFINITE - I (Islamic) Up to 12% Cash Rebate when you spend at PETRONAS and/or on the Setel App Up to 6% Cash Rebate on groceries and dining spend Unlimited 1% Cash Rebate on overseas spend 4x Complimentary Access for principal and supplementary cardholders to selected Plaza Premium Lounges worldwide https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/98508e25-700b-48dd-a67b-3dabfc7ae54a/56051c5234a4e55376a16124.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - Bank Islam Visa Infinite Credit Card-i 8% Cash Back for monthly spend from RM2,000 and above. Capping at RM30 per card per month 1% Cash Back for monthly spend of RM8,000 and above. Capping at RM100 Cash Back per card per month. Unlimited 0.2% Cash Back for monthly spend of RM500 and above. 3 times free access to Airport Independent Lounge at the selected Premium Lounge Network in Malaysia & Singapore. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/288ca283-b6f5-4c1c-9e1a-a1905df6d2ec/529d7ab195dae3756f000d22.jpg Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia - OCBC WORLD MASTERCARD Up to 1% unlimited cashback RM2 million complimentary travel insurance 2x Access to KLIA Plaza Premium Lounge per calendar year https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ee5ad297-3837-44b5-bc14-4b9c4fefd634/Screenshot+2024-09-15+at+8.30.16+PM.png Credit Card Guide - Cashback Credit Cards With Lounge access in Malaysia Step-by-step guides on earning miles, transferring points, and booking award flights. even photos tutorial. Expert tips for maximizing your rewards and avoiding common pitfalls. Case studies showcasing real-world examples of how others have used their Ultimate Miles card to travel the world. Exclusive updates on the latest card promotions and travel trends. https://www.budgetsis.com/credit-card-guide/complimentary-mastercard-affluent-fine-dining monthly 0.5 2024-09-08 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ffe3bf3f-26ea-476f-9866-44492163c773/Screenshot+2024-09-08+at+2.21.40+PM.jpg Credit Card Guide - Complimentary Mastercard Affluent Fine Dining There were 5 selected premium dining outlets on their website. Refer here https://www.mastercard.com.my/en-my/personal/offers-and-promotions/affluent-fine-dining.html https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d24daace-f373-49ed-854c-e6b4223c6cac/IMG_8490.JPG Credit Card Guide - Complimentary Mastercard Affluent Fine Dining - Overall Impression The set lunch was amazing, included two appetisers , two main course and two desserts from Nobu. From the Yellowtail Jalapeno to the Tenderloin Wasabi Pepper. The sushi and sashimi were incredibly fresh. The desserts, especially the Yuzu Pavlova, were the perfect ending to a delicious meal. Highly recommend! https://www.budgetsis.com/credit-card-guide/earn-krisflyer-miles-faster-a-malaysia-guide monthly 0.5 2024-08-12 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/0247e4e4-42f7-4651-9847-e2e5a4bcd6ab/2.png Credit Card Guide - Earn KrisFlyer Miles Faster: A Malaysia Guide - Local Spending 1) Undoubtedly, the Maybank AMEX Platinum Charge Card stands out as a top contender for earning KrisFlyer points. Offering an impressive earning rate of one KrisFlyer mile for every RM1.40 spent, it matches the earning potential of Enrich points. Given the superior value of KrisFlyer miles, this card becomes particularly attractive. However, it’s essential to acknowledge the card's stringent requirements. A substantial annual income of approximately RM190,000 is necessary to qualify, and the non-waivable annual fee of RM3,250 is significant. Furthermore, American Express' merchant acceptance in Malaysia remains limited due to higher processing fees imposed on retailers and merchants. 2) The UOB Visa Infinite Card offers compelling rewards, including up to 5X UNIRinggit for every RM1 spent on local dining and 8X UNIRinggit for every RM1 spent overseas. Meanwhile, the UOB World Card provides 12X UNIRinggit on selected e-commerce spending and e-wallet top-ups, along with 5X UNIRinggit on selected departmental stores and overseas transactions. Additionally, cardholders can earn a substantial bonus of 125,000 UNIRinggit by spending RM48,000 annually on the UOB World card. Notably, UOB UNIRinggit generally offers a more favorable conversion rate to KrisFlyer miles compared to Enrich points. 3) The Co-brand Maybank KrisFlyer Platinum Credit Card offers several compelling advantages for accumulating KrisFlyer miles. Cardholders earn one KrisFlyer mile for every RM2 spent on online transactions and overseas purchases, and one mile for every RM2.50 spent domestically. Moreover, the card provides exceptional value with one KrisFlyer mile awarded for every RM1 spent on Singapore Airlines, Scoot, and KrisShop purchases. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/4d90c5e3-b544-4f5d-9faa-0a2490201aaf/3.png Credit Card Guide - Earn KrisFlyer Miles Faster: A Malaysia Guide - Oversea Spending 1) The combination of the UOB Zenith and PRVI Miles cards is often regarded as the pinnacle of credit cards for overseas spending in Malaysia. Similar to the Enrich program, this duo offers exceptional value. However, owning both cards is crucial to maximize benefits. The Zenith card boasts an extraordinary redemption rate of 1,000 miles for just 6,400 UNIRinggit. Even if the PRVI Miles card is your primary spending vehicle, transferring UNIRinggit to the Zenith card for redemption unlocks this superior exchange rate. Effectively, this translates to earning one KrisFlyer mile for every RM0.64 spent overseas. 2) Standard Chartered Journey Credit Card offers a compelling proposition for overseas spending, mirroring the earning rate of the Maybank KrisFlyer co-branded Amex card by awarding one KrisFlyer mile for every RM2 spent abroad. A significant advantage of the Standard Chartered Journey card lies in its Visa affiliation, ensuring broader acceptance at merchants worldwide compared to American Express. This expanded accessibility enhances its practicality for international travelers seeking to maximize KrisFlyer mile accumulation without limitations imposed by specific card networks. 3) Maybank World Mastercard also provides a competitive earning rate for overseas spending, offering one KrisFlyer mile for every RM2 charged. However, a notable limitation lies in the monthly redemption cap of 100,000 miles. This restriction can pose challenges for high-spending individuals who aim to maximize their KrisFlyer mile accumulation through this card. While the earning potential is attractive, the redemption cap necessitates careful consideration for those with substantial overseas expenditure. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/e1c7e6fb-98a3-450f-8926-d57473139945/4.png Credit Card Guide - Earn KrisFlyer Miles Faster: A Malaysia Guide - OTHERS BANK CREDIT CARD FOR KF Several no-annual-fee credit cards in Malaysia provide opportunities to accumulate KrisFlyer miles, albeit with slightly less advantageous local spending rates compared to their fee-charging counterparts. These cards typically offer a competitive earning rate of approximately one KrisFlyer mile for every RM2-RM3 spent on overseas transactions. While the rewards for local spending may not be as lucrative, they still contribute to your overall mile balance. It's crucial to weigh the benefits of avoiding annual fees against the potential for higher earning rates on premium cards. Ultimately, the optimal choice depends on individual spending patterns and travel frequency. I'm currently in the process of compiling , "The Ultimate Guide to Air Miles Credit Cards," which will delve deeper into these options and provide in-depth comparisons. Stay tuned for its release, as it will offer valuable insights to help you make informed decisions about maximizing your KrisFlyer/Enrich/Asia miles. https://www.budgetsis.com/credit-card-guide/ambank-enrich-credit-card-review-infinite-vs-platinum monthly 0.5 2024-08-03 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/feea8fbd-145d-4f1a-a7a7-11c907f86c1b/ambank-enrich-visa-credit-cards.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Make it stand out Hey Bros and Sis! As I previously teased in my community posts last June and Instagram stories (which I later deleted), the AmBank Enrich Visa credit cards are now officially 1st July 2024 available on the AmBank website. AmBank's Enrich Visa Infinite and Visa Platinum cards are designed to cater to the diverse needs of frequent flyers. Both cards offer a range of benefits centered around earning Enrich Points, which can be redeemed for Malaysia Airlines flights and other rewards. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8f0234ef-b4fc-457b-a86a-adde5b348504/JDAK001-table-sample-04.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Here’s a table to better summarise the features of each credit card: AmBank Enrich Visa Infinite Target Audience: High-spending individuals with a penchant for travel. Key Benefits: Earn 1 Enrich Point for every RM1 spent overseas and airlines, and RM3 spent locally. Unlimited access to Malaysia Airlines Golden Lounge for cardholder and one guest. Up to 10% discount on Malaysia Airlines flight tickets. Comprehensive travel insurance coverage. Concierge service. Fees: RM500 annual fee (waived with RM50,000 to RM99,999 annual spend, fully waived with RM100,000 annual spend). Income Requirement: Minimum RM100,000 annual income. AmBank Enrich Visa Platinum Target Audience: Budget-conscious travelers looking to earn Enrich Points. Key Benefits: Earn 1 Enrich Point for every RM2 spent overseas and airlines, and RM4 spent locally. Four complimentary access to Malaysia Airlines Golden Lounge per year. Up to 10% discount on Malaysia Airlines flight tickets. Basic travel insurance coverage. Fees: None (free-for-life). Income Requirement: Minimum RM24,000 annual income. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/44c858c6-812f-4563-aa0e-4f633dece87a/ambank-enrich-visa-infinite-annual-fee-waiver.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d9d87dd8-cdac-4c3f-85e8-d616309df6d4/ambank-enrich-points-per-ringgit-spent.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/2e1ce304-39be-4bf7-8bee-1eb291c6926e/ambank-enrich-visa-infinite-golden-lounge-access-tnc-bull-shit.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Make it stand out If you usually fly business class, this benefit might not be very useful since you'd likely have lounge access already. But if you frequently fly economy class on domestic flights, the free lounge access can be a nice perk. And you can bring +1 guest! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/67ca9c0b-b709-4c9c-afdd-ee533bbebec4/enrich-elite-fast-track-with-ambank-enrich.jpg Credit Card Guide - AmBank Enrich Credit Card Review: Infinite vs. Platinum - Make it stand out Another highlight, if you fly with Malaysia Airlines often, both AmBank Enrich cards can help you earn Elite Points faster. This means you can reach higher tiers quicker, which comes with extra benefits like lounge access and free checked baggage. The AmBank Enrich Visa Platinum is especially good for this since it doesn't have an annual fee. https://www.budgetsis.com/credit-card-guide/your-guide-to-awesome-malaysia-airlines-miles-credit-cards-2024 monthly 0.5 2025-02-11 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/94a4254c-cec3-4389-bef3-e4136007971d/BEST+LOCAL+SPENDING+BANK+CREDIT+CARD+%281%29.png Credit Card Guide - Your Guide to Awesome Malaysia Airlines Miles Credit Cards 2024 - Best Local Spending Bank Credit Card for Enrich Miles 1) Definitely, the Maybank AMEX Platinum Charge Card takes the lead in terms of earning Enrich points. You get 1 Enrich point for every RM1.40 spent. However, it's important to note the high annual income requirement of around RM190,000 and the hefty non-waivable annual fee of RM3,250. Additionally, Amex's merchant acceptance in Malaysia is limited due to its higher costs for retailers and merchants. 2) Alliance Bank Visa Infinite: If your spending leans heavily towards online transactions and e-wallets, this card is ideal for you! Even though they've introduced a RM3,000 cap on online spending starting June 2024, you still enjoy a competitive earning rate of 1 Enrich point for every RM1.88 spent. Compared to other options, it has a lower income requirement of just RM60,000 annually. Plus, the annual fee is often easily waived. 3) AmBank has recently launched its new Enrich card, offering a competitive earning rate of 1 Enrich point for every RM3 spent until April 2025. However, after April 2025, the earning rate will decrease to 1 Enrich point for every RM5 spent. So my advice to capitalize on the current higher earning rate, it's advisable to apply for the card before their campaign ends. To qualify, you'll need an annual income of RM100,000 and pay an annual fee of RM500. Cardholders enjoy unlimited access to Malaysia Airlines Golden Lounges and a 10% discount on Malaysia Airlines ticket purchases. Apply your credit card here and get free luggage ! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3420ef19-36c3-4411-9e6f-0a7ad697a2c5/BEST+LOCAL+SPENDING+BANK+CREDIT+CARD+%282%29.png Credit Card Guide - Your Guide to Awesome Malaysia Airlines Miles Credit Cards 2024 - Best Oversea Spending Bank Credit Card for Enrich Miles 1) The UOB Zenith and PRVI Miles combination is often considered the best credit card for overseas spending in Malaysia. However, it's essential to have both cards because the Zenith card offers an exceptionally high redemption rate of 1,000 miles for just 6,400 UNIRinggit. Even if you primarily use the PRVI Elite card for your transactions, you can still transfer your UNIRinggit to the Zenith card to enjoy this superior redemption rate. This effectively to earning 1 Enrich point for every RM0.64 spent overseas. 2) The UOB PRVI Miles card secures the second spot for overseas spending. It offers a generous 10x points for every RM1 spent overseas, translating to an effective conversion rate of approximately RM0.90 for every Enrich point earned. 3) As mentioned Ambank is running a new launched campaign , Enjoy an incredible earning rate of 1 Enrich point for every RM1 spent until April 2025. so grab this opportunity to maximize your rewards – apply for the card before the campaign ends! Apply your credit card here and get free luggage ! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/87ae3506-7b40-4a8b-9c69-e0e90d7f9e0d/BEST+LOCAL+SPENDING+BANK+CREDIT+CARD+%283%29.png Credit Card Guide - Your Guide to Awesome Malaysia Airlines Miles Credit Cards 2024 - Lower-entry credit cards for Enrich ! There are several lower-entry credit cards suitable for earning Enrich points through online and e-wallet spending. Two options to consider are the Alliance Bank Visa Platinum and Hong Leong Sutera Platinum cards. it is, the way you tell your story online can make all the difference. Apply your credit card here and get free luggage ! 1) Hong Leong Sutera Platinum card offers a generous 8x points for both online and e-wallet spending, effectively earning you 1 Enrich point for every RM3 spent without any spending cap. This card also rewards you with 8x points on groceries, essentials at selected stores like Giant, Cold Storage, Jaya Grocer, and Mercato, as well as pharmacies like Guardian, Watsons, and Caring Pharmacy, and convenience stores like MyNews and 7-Eleven. This earning rate is comparable to AmBank Enrich's current introductory offer, but the Hong Leong Sutera card's benefits are limited to specific spending categories. 2) Alliance Bank Visa Platinum card also offers 8x points for online and e-wallet spending, its conversion rate to Enrich points is less favorable at RM1.88 for every Enrich point earned. To maximize your Enrich point accumulation, consider combining the Hong Leong Sutera Platinum card for dining and essential spending (where it excels with its 8x points) and the Alliance Bank Visa Platinum card for online transactions. This strategic approach can help you optimize your Enrich point earnings. Get wise new card without new card issuer fee : https://wise.com/invite/ihpc/vickiec41 https://www.budgetsis.com/credit-card-guide/do-you-know-you-can-get-3-nights-free-stay-hotel-at-bali monthly 0.5 2024-06-30 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/9222c513-c8ee-46bd-98f5-5fd437f6ee4f/Untitled+design+%287%29.png Credit Card Guide - Do you know you can get 3 nights FREE stay hotel at Bali? Bali Stay for free? Yes, please! We got a 3-night stay for FREE! Thanks to our CIMB Travel World Credit Card. Let us spill the tea on how we did it and why this card is a must-have for any travel kaki. https://www.budgetsis.com/credit-card-guide/the-travel-club-lounge-you-need-to-know-about monthly 0.5 2024-06-16 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/02ea77d3-5dc5-48d9-bb8b-10a41fa7f870/Untitled+design+%286%29.png Credit Card Guide - Travel Club Lounge KLIA2 Review (and How to Get in!) - Before every flight, we always try to find the best airport lounges to relax and enjoy some free perks. While Plaza Premium Lounges at KLIA2 are well-known, did you know there's a another lounge in KLIA2 called the Travel Club Lounge? It's less crowded experience for us seeking a peaceful pre-flight retreat. https://www.budgetsis.com/credit-card-guide/your-money-saving-guide-to-payments-in-bali monthly 0.5 2024-06-11 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b408dbd6-4bf3-4fda-8671-0f2620c11400/IMG_6159.JPG Credit Card Guide - Do you know you can use TNG at Bali? - How do we save our currency from Bali !! Here are some secret hacks to save big on your trip with convenient e-wallets. https://www.budgetsis.com/credit-card-guide/budget-saving-tips-with-tripcom monthly 0.5 2024-05-27 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7384862d-e2c1-4335-b7e6-901a5602f03b/hotel_image.jpeg Credit Card Guide - Budget Saving Tips with Trip.com - Why Book via Trip.com? (Is it Trustworthy?) We understand your concern! Just like you, we once wondered if Trip.com was a trustworthy platform. But rest assured, Trip.com is a leading OTA known for its wide range of travel services, user-friendly interface, and exceptional customer support. Here are some reasons why you should consider booking your travel arrangements through Trip.com: https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d5460b0a-d570-4d83-a5b1-4a9c3f4ca97b/Screenshot+2024-05-26+at+10.16.54+PM.png Credit Card Guide - Budget Saving Tips with Trip.com - Competitive Prices: Trip.com often provides cheaper deals compared to booking directly with airlines or hotels. They have partnerships with numerous travel service providers, allowing them to offer significant discounts. We compared prices across different OTAs for our hotel bookings, and Trip.com consistently came out on top with the cheapest deals! Trustworthy and Reliable: With a robust customer support system and a strong reputation in the travel industry, Trip.com is a reliable choice for your travel bookings. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8a6367c1-77b5-4d42-9baa-ff784deea896/WhatsApp+Image+2024-05-26+at+22.25.39.jpeg Credit Card Guide - Budget Saving Tips with Trip.com - Exclusive Deals: Trip.com regularly features special promotions and discounts, helping you save even more on your travel expenses. Convenient Booking: The platform allows you to book flights, hotels, and car rentals all in one place, making trip planning easier and more efficient. https://www.budgetsis.com/credit-card-guide/howtomaximizeenrichpoints monthly 0.5 2024-05-23 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/f92e85f3-bc56-4d78-8041-307d1542e13e/WhatsApp+Image+2024-05-22+at+2.09.32+PM.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - Fly with Malaysia Airlines: This is the most straightforward way to rack up Enrich Points! Every time you book a paid flight with Malaysia Airlines, you'll earn points based on the ticket price. Tip: Upgrade your experience! Choosing a higher fare class can significantly boost your points per dollar spent, getting you closer to that dream vacation faster. 2. Explore the World with oneworld Airlines: As part of the oneworld alliance, Malaysia Airlines lets you earn Enrich Points on almost any oneworld flight! This means you can earn points on domestic flights with airlines like American Airlines and redeem them for exciting adventures on other oneworld carriers, like Cathay Pacific business class or British Airways economy class. Heads up: Each oneworld partner airline has its own system for awarding points. Be sure to check the specific program details before your flight. Remember: The more you fly, the more Enrich Points you'll earn! Combine these strategies with other earning methods like credit card rewards and shopping with Enrich partners to unlock a world of travel possibilities. So start planning your next adventure and let Enrich Miles take you there! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/0c6eff64-a189-4516-abb9-808285f001fd/Untitled+design+%281%29.png Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 3 . Maximize Your Miles with the Perfect Enrich Miles Credit Card While flying is a fantastic way to earn miles, consider an Enrich Miles credit card to supercharge your mileage accumulation. Different cards cater to specific spending habits, offering bonus miles in categories like travel, dining, or online shopping. Credit Card Matchmaker: Find Your Perfect Fit To choose the best card, take a moment to identify your primary spending categories. Here are some popular options based on spending habits: * E-wallet Reloads & Online Shopping: Alliance Bank Visa Infinite - Earn 1 Enrich Mile for every RM1.88 spent. * Local Spending: Maybank 2 Cards Premier - Earn 1 Enrich Mile for every RM2.80 spent. * Overseas Spending: UOB Card - Earn 1 Enrich Mile for every RM0.90 spent overseas. We've delved deeper into various Enrich Miles credit card options in our previous blog post, click here to read! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/73192ba4-3830-4ab2-af8e-5ebf61dd88f2/75825842-414a-421d-9a4a-ae220a6a6ef9.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 4. Earn More Points With Elite Status: Supercharge Your Earnings Upgrade your travel game and unlock significant point bonuses with Malaysia Airlines Enrich elite status. Here's how it works: Tier Bonuses: The higher your Enrich status, the more points you earn on qualifying flights operated by Malaysia Airlines, MASwings, and codeshare flights marketed by Malaysia Airlines (excluding Oneworld partner and mixed-carrier flights). https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/40585245-f3e4-402e-a142-4e7455fc7522/Untitled+design+%284%29.png Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 5. Hotel Partners / Hotel Loyalty Program / Hotels Platform Level Up Your Travel: Supercharge Your Enrich Points with Everyday Activities! Flying with Malaysia Airlines and oneworld partners is a great way to earn Enrich points, but it's not the only option! Here are powerful ways to transform your everyday routine into travel rewards: Unwind in Style and Earn Enrich Points: Unlock a World of Stays: Enrich boasts an extensive network of hotel partners across the globe. This incredible variety gives you the flexibility to choose the perfect accommodation for your needs, whether it's a luxurious five-star resort, a charming boutique hotel, or a convenient airport stay. The best part? You'll earn Enrich points with every stay, bringing you closer to your dream vacation. Maximize Your Earnings: Consider booking your hotel stay through the Enrich Hotels platform. You might even be eligible for bonus points or special offers! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/579d6764-569a-438a-9b51-ac5a84d3f4bc/Untitled+design+%282%29.png Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 6. Fuel Up Your Travel Dreams with Petron and Enrich Miles! Looking to add some extra mileage to your travel plans? Look no further than Petron stations in Malaysia! Here's how you can transform your gas station visits into valuable Enrich points: Convert Petron Miles to Enrich Points: Filling up at any of the over 600 Petron stations across Malaysia allows you to convert your Petron Miles points to Enrich Miles at a fantastic 4:1 conversion rate. This means every 4 Petron Miles points get you 1 Enrich Mile, giving your travel dreams a boost. Earn More Petron Miles with Premium Fuel: Maximize your earnings by opting for Petron's premium fuel options! You'll earn 2 Petron Miles points for every liter of Blaze 95, Diesel Max, or Turbo Diesel purchased. But that's not all - for every liter of Blaze 97 or 100, you'll earn an impressive 3 Petron Miles points, accelerating your Enrich points accumulation. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/0e5e407c-8e9f-4d69-94e4-7913f230844e/8f110d74-e974-44d5-af84-6dc4195f992c.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 7 . Dine and Earn: Malaysia Airlines Enrich Dining Partners Craving delicious food and rewarding points? Look no further than Malaysia Airlines Enrich dining partners! While the program might be currently limited to two restaurants, they offer enticing options to tempt your taste buds and boost your Enrich balance. Grand Hyatt Kuala Lumpur: Indulge in a culinary adventure at the Grand Hyatt Kuala Lumpur. Earn 1 Enrich point for every RM2 spent at THIRTY8, their vibrant restaurant featuring international cuisine, or JP teres, a haven for authentic Japanese delights. OpenHouse: Experience elevated Malaysian cuisine at OpenHouse. Earn 1 Enrich point for every RM1 spent, but remember there's a minimum spend of RM100 to qualify. Savor generational recipes with a modern twist, all while earning valuable points towards your dream vacation. Pro Tip: Don't forget to present your Enrich membership card when dining at these partner restaurants to ensure you receive your well-deserved points! Bonus Tip: Keep an eye out for future Enrich program updates. Malaysia Airlines might expand its dining partnerships, offering more ways to earn points while enjoying delicious meals. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/fad29a07-0169-43d1-a075-109581c3a151/4e2be6a7-b1e0-46d6-977e-ab9059a65fb6.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 8. Pamper and Earn: Enrich Your Wellness at ESSA Spa Unwind, rejuvenate, and earn rewards all at once! At the luxurious ESSA Spa located within the Grand Hyatt Kuala Lumpur, pampering goes hand-in-hand with earning Enrich points. Here's how to indulge and earn simultaneously: ESSA Spa Spoiling: Earn 1 Enrich point for every RM2 spent on any of ESSA Spa's rejuvenating treatments. From traditional Malaysian therapies to invigorating massages, treat yourself to a blissful spa experience while collecting points towards your next adventure. Insider Tip: Remember to present your Enrich membership card when making your reservation at ESSA Spa to ensure you receive your well-deserved points. Bonus Tip: Combine your spa day with a delectable meal at one of the Enrich dining partners at Grand Hyatt Kuala Lumpur for a truly rewarding experience. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a6c685ec-91bf-4a17-8cf0-a3151708e9e1/a035e36e-8efd-4074-a312-0b0455130467.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 9. Earn Enrich Points While You Level Up Your Education! Here's an exciting way to combine earning Enrich points with furthering your education! SEGi, a network of online universities and courses in Malaysia, allows you to earn Enrich points for qualifying tuition fees. This is a fantastic opportunity to invest in yourself and unlock travel rewards at the same time. Here's the Deal: Earn 1 Enrich Point for Every RM2 Spent : For qualifying courses in specific programs, you'll earn Enrich points on your tuition fees. This translates to accumulating points while you pursue valuable degrees! Eligible Programs: Currently, you can earn Enrich points on tuition fees for the following programs: Masters in Business Administration (offered in collaboration with University of Sunderland (UK)) BSc (Hons) International Tourism and Hospitality Management (offered in collaboration with the University of Sunderland (UK)) Thinking about attending one of these programs? Consider SEGi! Not only will you gain valuable knowledge and skills, but you'll also be rewarded with Enrich points that can take you closer to your dream vacation. Here's a Bonus: SEGi has campuses across Malaysia, offering flexibility for students in different locations. Participating campuses include: SEGi College Kota Damansara SEGi College Kuala Lumpur SEGi College Penang SEGi College Sarawak SEGi College Subang Jaya SEGi University Remember: Check with SEGi to confirm the latest information regarding Enrich point earning eligibility for specific programs and campuses. Start your educational journey with SEGi and watch your Enrich points soar! https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d53129d1-af1e-4abe-ba2c-5b0920baeeaf/49b39e1e-e150-477a-97d0-8779d3d85322.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 10.Boost Your Balance: Convert Sunway Pals Points to Enrich Points Looking for an extra way to inflate your Enrich points balance? Look no further than the Sunway Pals conversion program! Sunway Pals: This loyalty program by the Malaysian conglomerate Sunway Group lets you earn points at various Sunway merchants, including Sunway Malls, theme parks, and even medical services. Unlock the Conversion Power: Convert your accumulated Sunway Pals points to Enrich points at a rate of 1,000 Sunway Pals points = 350 Enrich points. There's a minimum conversion threshold of 2,000 Sunway Pals points, so plan accordingly. The conversion process takes approximately 14 business days. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b21c1b83-4c5e-4442-80f6-653c4e53c91d/4e0b752a-012b-4920-a0c2-9846f4a15582.jpeg Credit Card Guide - The Best Way How to Maximize Malaysia Airlines Enrich Points (2024) - 11. Protect Yourself and Earn Enrich Points with Insurance! Traveling with peace of mind and earning rewards for it? Yes, please! Here's how you can boost your Enrich points balance while safeguarding yourself with insurance: Travel Insured, Points Secured: AXA Travel Insurance: Ensure a worry-free travel experience with AXA Travel Insurance! As a bonus, you'll earn a rewarding 1 Enrich point for every RM1 spent on your plan. MHinsure Annual Travel Protection: Planning a trip? MHinsure offers comprehensive annual travel protection plans. The best part? You'll earn a valuable 1 Enrich point for every RM1 spent on your plan, adding to your travel adventures. Bonus! AXA Motor Insurance: AXA doesn't just offer travel protection! For those seeking car insurance, AXA Motor Insurance lets you earn up to 1,700 Enrich points (based on a points-per-RM1 basis, with a possible exchange rate of ~$0.25 per RM1). Remember: Check with the insurance providers for the latest Enrich points earning details and plan specifics. Travel smart, stay protected, and get rewarded! https://www.budgetsis.com/credit-card-guide/free-business-class-flight-to-new-zealand-and-how-alliance-bank-vi-points-made-it-happen monthly 0.5 2024-05-19 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ccd37863-b866-4969-9e06-c584727bfa84/IMG_4550.JPG Credit Card Guide - Free Business Class Flight to New Zealand and How Alliance Bank VI Points Made it Happen - Hey Travel kakis! I just got back from an amazing trip to New Zealand, and the best part? My business class flights from Malaysia Airlines were practically free! I know it sounds too good to be true, but it's all thanks to Alliance credit card points and a little planning. Maximizing Rewards with the Alliance Bank Visa Infinite If you're anything like me, you do most of your spending online and through e-wallets. The Alliance Bank Visa Infinite card is perfect for this, as it offers an amazing 8x Timeless Bonus Points (TBP) for every Ringgit spent on online purchases and e-wallet top-ups (up to RM3,000 per statement cycle). Its about spend RM1.88 = 1 Enrich Point. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7e9d4fb2-258e-4bc1-9982-dc7628115225/%E4%BD%A0%E7%9A%84%E6%AE%B5%E8%90%BD%E6%96%87%E5%AD%97+%281%29.png Credit Card Guide - Free Business Class Flight to New Zealand and How Alliance Bank VI Points Made it Happen - Here's how I made the most of it: 1.Everyday Spending: I put all my online shopping, bill payments, and e-wallet top-ups on my Visa Infinite. This quickly racked up a ton of TBP. 2.Choosing a Partner: The Alliance Bank lets you transfer TBP to various partners, including Malaysia Airlines Enrich. Enrich lately offers great redemption rates for flights. 3.Transferring Points: Transferring TBP to Enrich was super easy just through the Alliance Bank online banking platform or call to customer service centre. 4.Booking My Dream Flight: With my Enrich points, I booked a round-trip business class ticket to Auckland. The points covered most of the cost, leaving me with a tiny out-of-pocket expense for taxes and fees. https://www.budgetsis.com/credit-card-guide/pack-smart-for-your-trip-with-these-muji-travel-essentials monthly 0.5 2024-05-14 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3d7d4e04-4ae8-48ef-bce7-3b36bd03e448/cap.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Leakproof Companions: Muji's Petit Tube and Petit Pump Bottle are lifesavers! These refillable containers in various sizes are perfect for transferring your favorite shampoos, conditioners, lotions, and even makeup for travel-sized convenience. No more lugging around bulky bottles and worrying about spills in your luggage. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7804e475-d629-4472-a0a8-d114cde12ca6/gusset.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Declutter and Organize: Gusset Cases are your secret weapon for organization. These versatile cases come in different sizes, perfect for storing toiletries, electronics, or even undergarments. The expandable gusset allows you to maximize space, while keeping your belongings neatly separated and easy to find. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8f547867-0d4d-44ca-af54-51a78fead1cb/cream.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Refill and Repack: For creams, lotions, or contact lens solution, consider the Muji Polypropylene Cream Container. These lightweight and leakproof containers come in various sizes, allowing you to pack just the amount you need for your trip. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3c64a904-9578-43ec-b57d-2720827af9da/vertical.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Secure and Convenient: Traveling with medication, small valuables, or even your passport and phone? Muji's Combinations Case Vertical Type is the perfect solution. This compact case features a combination lock for added security and comes with a handy strap for easy carrying. It's ideal for keeping pills, jewelry, or any small items you want to keep extra safe, and its size can even accommodate a passport and phone for added convenience. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/99416ff7-abc2-48ee-a3c3-ee14cc603c84/mug.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Hydration on the Move: Stay hydrated throughout your travels with a Travel Mug. Muji offers stylish and leakproof options to keep your coffee, tea, or water hot or cold for extended periods. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8d3d36f4-47fc-4403-99c5-a4c4202b7ade/neck.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Neck Cushion: Don't forget to add Muji's Fitting Neck Cushion to your travel essentials list! This supportive cushion provides much-needed comfort during long journeys, allowing you to catch some sleep and arrive at your destination feeling refreshed. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/76076697-91e2-4248-afaa-4fc2f5277181/clear+case.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Gusset Cases and Clear Cases: Muji offers a variety of storage solutions for your travel needs. Gusset Cases come in different sizes, perfect for storing toiletries, electronics, or even undergarments. The expandable gusset allows you to maximize space. If you prefer clear visibility of your belongings, Muji also offers Clear Cases in various sizes. These are ideal for storing similar items as Gusset Cases, allowing you to see exactly what you need at a glance. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/c0442ad6-a29c-420a-ad4c-b61fc29afc89/hanging.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Muji Hanging Box Case The Muji Hanging Box Case is a game-changer for toiletries! This clever case features a built-in hook for hanging in wardrobes, closets, or on luggage racks. Made from lightweight and durable materials, it keeps your essentials organized and accessible wherever you travel. The secure zipper closure ensures everything stays put, while the various compartments (depending on the model) allow you to separate items like shampoo, lotions, and makeup for a quick grab-and-go routine. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/bb4657cc-7708-4d7e-95bb-19fb6248c9e0/Screenshot+2024-05-14+at+11.16.58+PM.png Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Muji Body Soap: Muji Body Soap is your pack-light essential for a refreshing cleanse on the go. This gentle and versatile soap is perfect for all skin types, leaving you feeling clean and comfortable throughout your travels. Choose from a variety of scents or a fragrance-free option to suit your preference. The compact size makes it ideal for travel and eliminates the need for bulky shower gels or body washes. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7c7e8e1c-9cea-4e3f-a420-8258d2ca0ffb/passport.jpeg Credit Card Guide - 10 Must-Have Travel Essentials from Muji - Muji Passport Case: Keep your travel documents secure and organized with a Muji Passport Case. This sleek and functional case is crafted from durable materials and features a clear pocket to display your passport for easy identification at airport security checkpoints. Additional compartments allow you to store boarding passes, travel insurance documents, or even cash and credit cards, making it a convenient all-in-one travel companion. https://www.budgetsis.com/credit-card-guide/2w1nf1b81x53misvrm2em2uvbqxv04 monthly 0.5 2024-05-09 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b506b03a-fb8f-4379-857b-6c71fe31561a/8.png Credit Card Guide - 5 Best Currency Cards for Malaysians travellers - WISE New Card Issuance Fee: RM13.70 Annual Fee: FREE Hold and exchange 40+ currencies Currency conversion uses the mid-market exchange rate, with low fees from 0.43% 2 withdrawals a month, to the value of 1,000 MYR - FREE! Click here apply to get a free card without new card issuance fees https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/01c04895-842f-4d33-8dc2-a00d195489f2/7.png Credit Card Guide - 5 Best Currency Cards for Malaysians travellers - GX Bank New Card Issuance Fee: RM12 Annual Fee: FREE Unlimited 1% cashback every single time you pay. Competitive exchange rates and no foreign transaction fees. Physical and virtual cards available. Earn 3% p.a. daily interest on all your account balances, in Main Account and Savings Pockets. Protected by PIDM up to RM250,000 for each depositor. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/93cf25c4-6b3e-4126-b0e5-f26e5816c6c9/9.png Credit Card Guide - 5 Best Currency Cards for Malaysians travellers - BigPay New Card Issuance Fee: RM20.00 Annual Fee: FREE Spend at any Mastercard-accepting merchant worldwide, Earn AirAsia BIG points with every transaction, which can be redeemed for flights and other rewards. Experience transparent transactions with Mastercard's competitive exchange rates applied to all your foreign currency spending. Withdraw cash for a small fee (RM6 locally, RM10 overseas). Apply Here and code ‘WLVGRULQRB’ to get RM5 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d72b55da-99e4-48cc-a53b-e938a8817d1e/10.png Credit Card Guide - 5 Best Currency Cards for Malaysians travellers - EnrichMoney EnrichMoney is a joint venture between Malaysia Airlines and Merchantrade, bringing together expertise in travel and finance. New Card Issuance Fee: RM10.00 Annual Fee: RM10.00 Seamlessly exchange over 20 currencies at competitive rates, eliminating the hassle of carrying multiple foreign currencies. Benefit from EnrichMoney's consistently low exchange rates. Withdraw cash from ATMs worldwide for a nominal fee of RM10 per withdrawal. Strong option for frequent Malaysia Airlines flyer. Use our referral code AD697D66A7 and get 1000 enrich point https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ed787dc2-86e6-471a-b739-2da18eb3eda0/11.png Credit Card Guide - 5 Best Currency Cards for Malaysians travellers - MAE Visa Card New Card Issuance Fee: RM8.00 Annual Fee: RM8.00 Anyone above 12 can apply for a MAE Visa Card. Never worry about running out of funds. Set up automatic top-ups to keep your account balance healthy. Withdraw cash from local ATMs without any additional charges. Access your funds globally with overseas ATM withdrawals for a nominal fee of RM12 per transaction. Embrace seamless payments and hassle-free travel across Southeast Asia with MAE Visa Card. Download MAE in AppStore & Google Play - key in code ‘ALS0828’ https://www.budgetsis.com/credit-card-guide/your-guide-to-airport-lounge-access-for-free monthly 0.5 2024-05-05 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d403a1cd-5394-4a5e-a031-53f85d5e54ee/%E6%B7%BB%E5%8A%A0%E6%A0%87%E9%A2%98+2.JPG Credit Card Guide - Your Guide to Airport Lounge Access For Free Ah, the airport lounge. A haven of peace amidst the pre-flight chaos. Comfortable seating, complimentary snacks and drinks, even sometimes a shower – it's the perfect way to unwind before your journey. But how do you actually get in? Here's your breakdown of the different ways to access an airport lounge in Kuala Lumpur, including the new option from AirAsia X: https://www.budgetsis.com/credit-card-guide/travel-friendly-credit-cards-for-starter-income-malaysians monthly 0.5 2024-04-22 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/2ad9fc1f-7e4a-4b99-bdd4-4bf60258ae6f/4.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - CIMB CIMB Travel Platinum Are you looking for a credit card with no annual fees and the option to apply for a free supplementary card for your family? Then, the CIMB Travel Platinum card might be perfect for you! Making it a great option for budget-conscious travellers with a minimum income of RM2,000 monthly! Eligibility: ✅ Income Requirement: RM24,000 per annum Reward Points: ✅ 5x Overseas, Airline and Duty free stores ✅ 2x Local Spend ✅ 1x Local Education, Local Insurance & Local Utilities Benefits: No annual fee! ✨ 2x Grab Rides Codes worth RM65. (⚠️ With Minimum quarterly spend of RM3,000) 4x complimentary access to airport lounge. (⚠️ With minimum quarterly spend RM3,000) Up to 200+ Plaza Premium Lounge Worldwide available for CIMB credit card user. View the full list here: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/cimb_new_card.pdf Insurance: Travel Insurance Coverage up to RM1 Million E-Commerce Purchase Protection up to USD 200 Apply here: https://invol.co/cll0pp7 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/85aa7f35-ebe7-436a-853c-38b1f862a8d6/1.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - Alliance Bank Alliance Bank Visa Platinum Alliance Bank Visa Platinum is perfect for online shoppers, as it rewards you with 8 TBP for every RM1 spent online shopping. Plus, it earns you 8 TBP for e-wallet top-ups, a benefit rarely found on other credit cards! Eligibility: ✅ Income Requirement: RM24,000 per annum Annual Fee: ✅ RM120 (First year waived, swipe 12x to waive for subsequent years) Reward Points: ✅ 8x Online spending & E-wallet top up ✅ 3x Overseas spending & dining ✅ 1x Contactless spending, auto-billing & other transactions Benefits: Timeless Bonus Points (has no expiry date!) Apply here: https://invol.co/cll0psm https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/1afb58a5-74e2-49a9-a04a-836f96cdf142/5.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - AEON AEON Visa Gold Travel comfortably on a budget! The AEON Visa Gold card stands out with its complimentary airport lounge access in Malaysia, requiring no minimum spending. Eligibility: ✅ Income Requirement: RM36,000 per annum Annual fee: ✅ RM95 (First year waived, swipe 12x to waive for subsequent years) Reward Points: ✅ 3x Overseas spending & dining ✅ 2x Spend at AEON Stores & AEON BiG Hypermarkets ✅ 1x for every RM2 spend on other transaction ⚠️ Aeon Points can only be redeemed for AEON cash vouchers. Benefits: 3x Complimentary Access to Plaza Premium Lounge in Malaysia. View the full list of participating Plaza Premium Lounge: https://login.aeoncredit.com.my/ul/1567592390168_full_tnc_and_participating_lounges.pdf Additional Benefits! AEON credit card is also offering cash back features! 8% Cashback on AEON Thank You Day (capped RM100 per month) 5% Cashback on Dining Transaction (capped RM25 per month) Insurance: Up to RM200,000 travel insurance coverage. Apply here: https://invol.co/cll0psj https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/5634ff14-4087-48c4-b9fb-77370c825f79/3.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - Maybank Maybank Singapore Airlines KrisFlyer American Express Gold Perfect for KrisFlyer fans with a low minimum income requirement of RM3,000 monthly salary. Plus, the first year's annual fee can be waived. Eligibility: ✅ Income Requirement: RM36,000 per annum Annual fee: ✅ RM100, first year waived Reward Points: ✅ 1 KrisFlyer mile RM4 spent locally or overseas ✅ 1 KrisFlyer mile RM3 spent on online transactions ✅ 1 KrisFlyer mile RM1 spent on Singapore Airlines, Scoot & KrisShop Benefits: 3,000 bonus KrisFlyer miles on first card spend 50% savings on access fee to Plaza Premium Lounge (Local & International) Insurance: Travel Personal Accident coverage of up to RM750,000 Apply here: https://invol.co/cll0pt6 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/682f7c99-fbcc-4bf7-805a-a9de5721a774/6.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - Hong Leong Bank Hong Leong Bank Sutera Platinum Card Looking for even more options to maximize your rewards? Don't miss out on this additional card! Similar to the previous recommendation, it offers a rewarding points with 8x points for various spending categories, including online purchases, overseas transactions, groceries, and dining. Eligibility: ✅ Income Requirement: RM36,000 per annum Annual fee: ✅ RM120 Swipe card once within 60 days from card issuance date to waive for first year. Spend RM15k per year on retail to waive for subsequent year. Reward Points: ✅ 8x Online Spending & Oversea Spending ✅ 8x Groceries & Essentials & Dining ✅ 1x for other transactions Insurance: Travel Insurance Coverage up to RM1.7 million Apply here: https://invol.co/cll0pw7 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/36cfda7e-2298-4433-b3da-bd39ba2a873f/2.png Credit Card Guide - Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k - Ambank Ambank Visa Platinum Additional credit card for our fellow readers! The Ambank Visa Platinum credit card is ideal for family spending. One of its key benefits is a low minimum income requirement of only RM2,000 monthly salary. Additionally, it offers free annual fees for life on the main card and up to 3 supplementary cards. However, a RM188 annual fee applies to each additional supplementary card (starting from the 4th card). Eligibility: ✅ Income Requirement: RM24,000 per annum Reward Points: ✅ 2x Overseas spending ✅ 1x Other transactions Benefits: No annual fee! ✨ 0% Easy Payment Plan program, you can now enjoy up to 36 months interest/management free instalment. Insurance:: Up to RM500k travel insurance coverage when the full fare of airline tickets are charged to the Card. Apply here: https://invol.co/cll0pso https://www.budgetsis.com/credit-card-guide/2024-malaysia-top-rated-credit-cards-with-free-lounge-access- monthly 0.5 2024-05-05 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ff9822ca-d8d2-4f77-9ec2-d7c9f473c61f/Untitled+design+%283%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - CIMB 1. CIMB Travel Platinum ✅ Annual Fee: WAIVED ✅ Minimum Income Requirement: RM24,000 per annum ✅ Airport lounge benefits: up to 4X access per year. ⚠️ Remarks: Minimum quarterly spend of RM3,000 entitles the cardholder 1x access. 2. CIMB Travel World ✅ Annual Fee: RM554.72 (Spend RM120,000 per annum to waive annual fees) ✅ Minimum Income Requirement: RM100,000 per annum ✅ Airport lounge benefits: up to 12X access per year. ⚠️ Remarks: Minimum quarterly spend of RM6,000 entitles the cardholder 3x access. 3. CIMB Travel World Elite ✅ Annual Fee: RM1,215.09 (Spend RM240,000 per annum to waive annual fees) ✅ Minimum Income Requirement: RM250,000 per annum ✅ Airport lounge benefits: up to 12X access per year. Up to 200+ Plaza Premium Lounge Worldwide available for CIMB credit card user above! View the full list here: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/cimb.pdf Apply Here : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/0f096106-c741-4038-99fe-234576dbf69f/Untitled+design+%284%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - AEON 1. AEON Gold ✅ Annual Fee: RM95 (Swipe 12X to waive annual fees) ✅ Minimum Income Requirement: RM36,000 per annum ✅ Airport lounge benefits: 3X complimentary access per year to selected Plaza Premium Lounges in Malaysia. 2. AEON Platinum ✅ Annual fee: RM200 (Spend more than RM12,000 to waive annual fee) ✅ Minimum Income Requirement: RM60,000 per annum ✅ Airport lounge benefits: 6X complimentary access per year to selected Plaza Premium Lounges in Malaysia. Apply here : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/243b711d-490e-4b7e-83bb-be8017ea408f/Untitled+design+%285%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - Ambank 1. Ambank Visa Signature ✅ Annual Fee: FREE FOR LIFE ✅ Minimum Income Requirement: RM80,000 per annum ✅ Airport lounge benefits: up to 6X access per year. ⚠️ Remarks: Minimum spend of RM1,000 within 30 calendar days before or 30 calendar days after each lounge access. 2. Ambank Visa Infinite ✅ Annual Fee: FREE FOR LIFE ✅ Minimum Income ✅ Requirement: RM120,000 per annum ✅ Airport lounge benefits: up to 6X access per year. ⚠️ Remarks: Minimum spend of RM1,000 within 30 calendar days before or 30 calendar days after each lounge access Explore the full list of selected Plaza Premium Lounges here: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/ambank_ambank_islamic.pdf Apply here : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/578e8f45-66f0-414e-aff5-f96366e8116d/Untitled+design+%286%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - Maybank 1. Maybank Krisflyer American Express ✅ Annual Fee: RM300 ✅ Minimum Income Requirement: RM60,000 per annum ✅ Airport lounge benefits: up to 5X access per year to 80+ Plaza Premium Lounges. Check out the complete list here: https://www.maybank2u.com.my/iwov-resources/pdf/personal/cards/credit_cards/PPL-local-international-list.pdf 2. MAYBANK 2 Cards Premier ✅ Annual Fee: RM800 (Spend RM80,000 per annum to waive annual fee) ✅ Minimum Income Requirement: RM100,000 per annum ✅ Airport lounge benefits: up to 6X access per year to 60+ Plaza Premium Lounges. Browse the list here: https://www.maybank2u.com.my/iwov-resources/pdf/personal/cards/credit_cards/PlazaPremiumLounge_edm.pdf Apply here: : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/e05ad7c5-401f-429e-b770-e3c3e45126db/Untitled+design+%287%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - HSBC 1. HSBC Travel One ✅ Annual Fee: RM300 (Spend RM20,000 per annum to waive annual fee) ✅ Minimum Income Requirement: RM60,000 per annum ✅ Airport lounge benefits: up to 6X access per year to Plaza Premium Lounge in MY, SG and HK only. 2. HSBC Visa Signature ✅ Annual Fee: RM600 (Swipe at least once a month for a consecutive 12-month period to waive annual fee) ✅ Minimum Income Requirement: RM72,000 per annum ✅ Airport lounge benefits: up to 6X access per year to Plaza Premium Lounge in MY, SG and HK only. Apply here: : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/719e64d6-7714-479f-a948-2953d8d30e64/Untitled+design+%289%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - Alliance Bank 1. Alliance Bank Visa Infinite ✅ Annual Fee: RM438 (Spend more than RM12,000 per annum to waive annual fee) ✅ Minimum Income Requirement: RM60,000 per annum ✅ Airport lounge benefits: 2X access per year to Plaza Premium Lounge and 1X access to Travel Club Lounge. Discover the entire list here: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/Alliance_Bank_Malaysia.pdf Apply here: : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/f882b1fb-8e09-459f-98b8-eee7712786bd/Untitled+design+%2810%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - Standard Chartered Standard Chartered Journey ✅ Annual Fee: RM600 (Swipe RM60,000 per annum to waive annual fee) ✅ Minimum Income Requirement: RM90,000 per annum ✅ Airport lounge benefits: Unlimited access to Plaza Premium Lounge in KLIA / KLIA 2! Apply here: : https://invol.co/clkzlmv https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/75d04708-77a4-46c8-81b6-d26830316563/Untitled+design+%2811%29.png Credit Card Guide - 2024 Malaysia Top Rated Credit Cards with Free Lounge Access ✈️ - UOB 1. UOB World Card ✅ Annual Fee: RM600 ✅ Minimum Income Requirement: RM60,000 per annum ✅ Airport lounge benefits: up to 6X access per year to Plaza Premium Lounge in KLIA / KLIA 2! 2. UOB PRVI Miles Elite ✅ Annual Fee: RM600 ✅ Minimum Income Requirement: RM100,000 per annum ✅ Airport lounge benefits: up to 8X complimentary access per year to Plaza Premium Lounge in 17 airports in 9 countries. Discover the entire list: https://www.uob.com.my/web-resources/personal/pdf/personal/cards/credit-cards/uob-prvi-miles-elite/uob-prvi-miles-elite-tnc-eng.pdf 3. UOB Visa Infinite ✅ Annual Fee: RM600 ✅ Minimum Income Requirement: RM120,000 per annum ✅ Airport lounge benefits: up to 12X complimentary access per year, 1X complimentary access per calendar month Check out the list of plaza premium lounges: https://www.uob.com.my/web-resources/personal/pdf/personal/cards/credit-cards/uob-visa-infinite/DP-Lounge-List-Asia-Pacific-VI.pdf 4. UOB Zenith ✅ Annual Fee: RM1,000 ✅ Minimum Income Requirement: RM192,000 per annum ✅ Airport lounge benefits: up to 12X complimentary access per year. For the list of participating Plaza Premier Lounges, click here: https://www.uob.com.my/web-resources/personal/pdf/personal/cards/credit-cards/uob-zenith-card/airport-lounges-zenith.pdf?s_cid=pfs:my:paid:sea:go:na:tx:na:cc:150324-evergreen:jonpd6:slbau14:pub&vid=pub Apply here: : https://invol.co/clkzlmv https://www.budgetsis.com/credit-card-guide/free-airasia-flatbed-next-whos-in monthly 0.5 2024-04-17 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/2d44ad50-1eb7-4055-9725-68f3138d10a1/IMG_1484.JPG Credit Card Guide - Free AirAsia FLATBED next! Who's in? Hey Travel Kaki! I'm sharing my flying experience with AirAsia flatbed to Tokyo! I used to redeem my Alliance Bank credit card's airmiles for Malaysia Airlines Business Class. However, with Enrich points recently devalue, I jumped at the chance to redeem my TBP points for AirAsia's Zero Fare flatbed for only RM3100! Here's the breakdown: Malaysia Airlines Business Class required a hefty 132,000 Enrich miles (equivalent to a staggering 2 million TBP), and that wasn't even the full cost! On top of that, I'd be looking at an additional RM1,500 in airport taxes. then AirAsia was a game-changer! For just 1.8 million TBP, I redeemed 310,000 AA points and scored a luxurious flatbed seat, a delicious meal, and a whopping 40kg baggage allowance – all included in the price! No hidden fees, no extra charges, just pure travel bliss The AA Flatbed Experience: Top Notch! ✨Priority boarding - say goodbye to queues! ✨Priority baggage handling - my bags were waiting for me in a flash! ✨Full 180-degree lie-flat seats - hello ultimate comfort! https://www.budgetsis.com/credit-card-guide/creditcardairmiles monthly 0.5 2024-04-07 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/b51f400e-ffc0-43ee-bee1-133139d34a30/2.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - Alliance Visa Infinite This card is a champion for online spenders and e-wallet enthusiasts. ✈️ RM1.88 for 1 Enrich Points ✈️ RM0.75 for 1 Air Asia Points ✈️ 8x Timeless Bonus Points ✅ Annual income only required RM60,000 ✅ x2 Plaza Premium Lounge access x1 Travel Club Lounge Access ✅ No expiry for Timeless Bonus Points! ✅ 0% instalment for Hotel, Flight and Oversea spending (perfect for travel spending) Ideal for: Individuals who frequently make online purchases on platforms like Shopee, Lazada, and Taobao, and top up their e-wallets for everyday spending. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/2e89ac83-30c1-4c26-bd50-3e8f5ee4c99f/1.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - Maybank Platinum Amex: Looking for your weekday credit card? This credit card is special rewards for weekday users! ✈️ RM2.80 for 1 Enrich Point ✈️ RM1.40 for 1 Air Asia Point ✈️ 5x Treat Points for your everyday local spend, including petrol & groceries! ✅ Annual income RM100,000 ✅ Treat Points expire after 3 years. but there's a way to extend their life! Once you redeem them for Air Miles, those miles have a separate 3-year expiry from the redemption date. That's a total of 6 years to use your points for unforgettable travel experiences! ✅ x5 Plaza Premium Lounge access at participating local and international Plaza Premium Lounge Ideal for: Weekday shoppers, maximize your points on groceries and other everyday purchases. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8055e9e9-3a1d-42f8-9de8-59083e66c4c7/4.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - UOB PRVI Miles Elite Card: This card is your perfect travel companion for overseas adventures. It offers the best conversion rate! ✈️ RM0.90 for 1 Enrich Point / Air Asia Point ✈️ 10x UNIRM points for overseas spend ✅ Annual income RM100,000 ✅ 3 years expiration for UNIRM. Simply redeem your UNIRM points for Air Miles before they expire, Air Miles themselves have a separate 3-year expiry from the redemption date. ✅ x 8 Airport Lounge Access, available across 17 airports in 9 countries Ideal for: Frequent travelers who want to maximize their Air Miles earning on overseas spending. Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3ea03ba8-be4d-4f90-942a-63db428a17a6/5.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - CIMB Travel World/Travel World Elite Looking for a vacation at Bali/Phuket ? This card offers an incredible limited-time bonus! Earn a *FREE 3-night stay* at Club Wyndham Asia in Bali or Phuket with a minimum spend. This offer runs from February 1st to December 31st, 2024. Don't miss out! This card is a top choice for many travelers thanks to its extensive airline partnerships. *Redeem your miles with over 10 airlines,* including major carriers like Air France-KLM, EVA Air, British Airways, Etihad Airways, Turkish Airways, Cathay Pacific, Emirates, and Japan Airlines.! ✈️ RM1.25 for 1 Enrich Points ✈️ RM 0.80 for 1 Air Asia Points ✈️ 10x Bonus Points for Overseas Spending and Airlines Purchase. ✅ Annual income RM250,000 ✅ x 12 Airport Lounge Access Ideal for: Upcoming travelers seeking a complimentary hotel stay. (Be sure to check back for details on the minimum spend requirement). https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/67ad29ab-a993-4bc1-bb5e-45d8148943c0/6.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - Maybank Amex Platinum Charge Card Frequent flyer? Transform your airport experience into pure luxury! This premium credit card boasts unlimited access to over 1,400+ airport lounges worldwide, courtesy of a FREE Priority Pass membership! ✈️ RM1.40 for 1 Enrich Points/ KrisFlyer Miles ✈️ RM1.12 for 1 Air Asia Points ✈️ x5 Membership Rewards Points ✅ Annual income RM190,000 ✅ Unlimited access to Airport Lounges worldwide ✅ Get a FREE 300,000 Membership Rewards Points (equivalent to 42,000 Enrich Points!) when you spend over RM20,000 in 3 months. ✅ This card partners with Etihad Airways, Emirates, Qatar Airways, and Japan Airlines, letting you redeem your miles for luxurious travel experiences. Ideal for: Frequent flyers who appreciate airport lounge access and a luxurious travel experience. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/95a1952c-52dc-4071-a808-b23408875c2f/3.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels - Maybank KrisFlyer American Express Platinum This card reigns supreme for KrisFlyer miles collectors! ✈️ 1 KrisFlyer mile for every RM 2.5 spent locally ✈️ 1 KrisFlyer mile for every RM2 spent on online and overseas transactions ✈️ 1 KrisFlyer mile for every RM1 spent on Singapore Airlines, Scoot & KrisShop website ✅ Annual income RM60,000 ✅ x5 Airport Lounge Access Ideal for: Loyal KrisFlyer program members who want to maximize their KrisFlyer miles earning. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/35d107aa-b27a-4453-a1d8-9d12d9d55af4/2.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/7990a03b-6627-499a-acc3-a40911f76b88/Airmiles+credit+card+%28local+spending%29.png Credit Card Guide - Here’s how we use our travel credit cards to earn free flights and hotels https://www.budgetsis.com/credit-card-guide/insider-travel-videography-tips-for-creating-engaging-itinerary-videos monthly 0.5 2024-04-01 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/ac742bf9-632c-48f9-a643-c2b158b1f648/0d1d2b92-6807-46ac-b04f-5d1a0ff6c9a5.jpeg Credit Card Guide - Insider Travel Videography Tips for Creating Engaging Itinerary Videos - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.budgetsis.com/myjourney daily 0.75 2024-10-04 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/1841af82-dcbf-44ef-89f1-168d97fc5f47/IMG_7123_jpg+2.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/052adbef-8c18-4766-ba83-e156bb283eab/IMG_5764.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/94270833-1869-4bb0-92a1-3049d00ebf15/3.jpg https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/6b7e90c1-9be7-4049-93bf-66ac4b0d40c1/IMG_5766+2.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/51bf14c6-9686-4906-82c6-c0d124f2e46d/4.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/e8b50d63-3ca4-4e72-8971-2ddec92b79a5/2.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/4bd307de-c0cc-4a13-a48d-c85e96279ca8/3.png https://www.budgetsis.com/points-and-miles-guide daily 0.75 2025-06-26 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d2db93d3-cc30-46a9-84d4-cacb32fb9c0a/Mockup+Templates+With+MRRPLR+%E5%89%AF%E6%9C%AC.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/51290dde-5211-48c3-bee6-81e18188a57e/3.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8fcaaaee-8f95-4119-bf42-0a02293b8d52/Image+23-06-2025+at+6.46%E2%80%AFPM.JPG https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/1849e03c-8870-4207-afd4-ff86f5a7c5af/4.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/fe844a33-6964-406b-8764-f1e9afca6d6e/IMG_0787.jpg https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/af9c657c-953d-4033-ae35-321caba7477e/5.png https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/145f2f52-5c65-476c-9a59-3cbc63068c5e/IMG_0731.jpg https://www.budgetsis.com/points-and-miles-guide/p/n16jyohuecsn4xy2hli5lyl5eplr5n monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8af3acf9-3f5a-4aab-b1f4-34e92ef18fce/Before+%281%29.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a5a5b81e-cd24-4d66-aaa7-23a2522290a9/1.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/46bf8d05-67fa-4557-9dc1-6d3195e47a73/2.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3b056a31-684e-49f5-8110-ce1c4bd517f5/3.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a10e129e-32ee-4672-b0b6-c364164b6677/4.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/87785d35-48f6-43a5-a480-e4e5489d3d49/2.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/d2b23104-c715-40a5-8305-8cc9a64fbd77/1.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/a075babf-e760-4718-af54-b2906147b77c/4.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/570d581b-3b15-4c52-8240-23013c82fa35/3.png Points And Miles Guide - LR MOBILE PRESET - FILM EDITION - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.budgetsis.com/points-and-miles-guide/p/02u528mize6vawjubf15nl2wrrgaog monthly 0.5 2025-06-22 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/8b8a32f3-4949-4872-bfae-0664d4cb8f54/BudgetSis+%283%29.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/21366e7c-c3c4-45d9-9aea-1a5df5515613/%E6%B7%BB%E5%8A%A0%E6%A0%87%E9%A2%98+%281%29.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/f9d1c0e9-039c-49a4-a0ab-8608c8eb705c/Mockup+Templates+With+MRRPLR+%E5%89%AF%E6%9C%AC.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3ba2960f-fb4e-4aa2-90d7-674c1635eaba/Mockup+Templates+With+MRRPLR+%E5%89%AF%E6%9C%AC+%281%29.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/4b329d81-ec4a-4921-86a7-7d0a8ee03573/3.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/aed2251c-6027-4255-9aa5-6cc76b64efe7/4.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/3ba24506-f128-4622-afe1-650648b0e584/5.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/070985b4-8993-4e05-8b6e-7906c5137b46/Screenshot+2024-09-15+at+8.30.16+PM.png Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) - Make it stand out https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/0296b5eb-1d13-4965-9579-3d52390c8c07/Screenshot+2024-09-16+at+5.49.46+PM.jpg Points And Miles Guide - The Ultimate Guide to Earning Air Miles (ENG) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.budgetsis.com/travel-tips daily 0.75 2025-03-24 https://www.budgetsis.com/travel-tips/hokkaido-spring-ski-osaka-sakura-itinerary monthly 0.5 2025-03-24 https://images.squarespace-cdn.com/content/v1/65f83414b539b222798e0a0c/2d8c5a34-0909-4351-922d-c602838bd7b9/IMG_6662_jpg.JPG Travel Tips - Hokkaido Spring Ski + Osaka Sakura Itinerary - Day 1: Arrival in Hokkaido (Sapporo / New Chitose Airport) → Niseko ✈ Pro Tip: If flying into Japan via ANA, maximize the ANA Blue Sale to get a free multi-city domestic flight (e.g., Tokyo → Sapporo → Osaka). Pick up rental car (Honda) for your Hokkaido trip Optional stop in Sapporo: Lunch at Ramen Shingen (Sapporo’s famous miso ramen) Quick visit to Odori Park & Sapporo TV Tower Drive to Niseko (2-hour drive) Check-in at Torifito Hotel Niseko (one of my favourite budget hotel with onsen) Rent ski gear if needed Dinner in Niseko Try Max Value 20% off sashimi / uni / sushi!! Day 2-3: Niseko Skiing Day 2: Niseko Grand Hirafu & Annupuri Full day skiing at Grand Hirafu (best spring ski terrain) Après-ski at Gondola Snowscape Café Day 3: Niseko Hanazono & Local Attractions Morning ski at Hanazono (less crowded) Afternoon: Snowmobile tour / Snowshoeing Visit Milk Kobo for fresh Hokkaido dairy desserts Day 4: Niseko → Kiroro Ski Resort Drive from Niseko to Kiroro (1.5 hours) Check-in at Kiroro Resort Full afternoon skiing at Kiroro (famous for powder snow even in spring) Dinner at Kiroro Resort Day 5: Kiroro Ski + Return to Sapporo Morning Ski at Kiroro – Enjoy fresh powder before crowds arrive Afternoon: Drive back to Sapporo Check-in to Sapporo hotel (e.g., JR Tower Hotel Nikko Sapporo) Evening: Sapporo Beer Museum & Genghis Khan BBQ Shopping at Tanukikoji Day 6: Sapporo → Osaka (Flight) ✈ Pro Tip: Use your ANA Blue Sale free multi-city domestic flight to fly from Sapporo to Osaka! Morning flight from New Chitose to Osaka (Kansai Airport) Check-in to Osaka Hotel (e.g., near Namba/Dotonbori) Osaka Sakura Spot: Osaka Castle Park – One of the best hanami (cherry blossom) spots Use KKday’s Buy 1 Free 1 Cherry Blossom Tour for guided hanami trips Dinner at Dotonbori: Try takoyaki, okonomiyaki & kushikatsu Day 7-8: Kyoto & Nara Sakura Trips Pro Tip: Book Kyoto & Nara sakura tours via KKday for the best deals! Day 7: Kyoto Sakura Day Trip Philosopher's Path – Beautiful canal walk lined with sakura Maruyama Park & Yasaka Shrine – Best night hanami spot Arashiyama Bamboo Forest & Togetsukyo Bridge for scenic sakura views Day 8: Nara & Yoshino Sakura Nara Park: Friendly deer & sakura views at Todaiji Temple Yoshino Mountain: Japan’s top sakura viewing spot Day 9: Free & Easy in Osaka + Shopping Morning: Kuromon Market for fresh sushi & seafood Afternoon: Umeda Sky Building for city views Evening: Last-minute shopping at Shinsaibashi Day 10: Flight Home from Kansai Airport Final souvenir shopping at Kansai Airport (try matcha snacks & Royce chocolate) https://www.budgetsis.com/new-page daily 0.75 2026-01-28