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Thursday, March 8, 2012

The Best Top 10 Credit Cards in Malaysia - Ultimate Showdown 2012

An article by GenX GenY GenZ : http://generationsxyz.blogspot.com
Please do not reproduce/reprint this article in whole or part in any form. 

[UPDATE (August 2013): As of August 2013, Maybank has revised upwards the TP required for redeeming the same cash voucher prior to August 2013. But with Maybankard 2 Card AMEX earning 5X TP for every Ringgit spent, it is still the best credit card for earning reward points as far as local spending is concerned.

Update 1 May 2012 - HLB Visa Signature now no longer comes with the Priority Pass Membership Card for those who sign up after February 2012. As such for new card holder case, 1 STAR should be deducted for Airport Lounge Access.] 

INTRODUCTION

Last year in May I published for the very first time my list of Top Ten Credit Cards in Malaysia - Ultimate Showdown 2011 as follows:

No.1 - Combinations of all My Credit and Debit Cards.

No.2 - Maybankard 2 Platinum Cards.

No.3 - American Express Platinum Credit Card. 

No.4 - EON Bank Visa Signature.

No.5 - CIMB World MasterCard with Visa Infinite

No.6 - OCBC Titanium MasterCard.

No.7 - Alliance Bank Platinum Visa/MasterCard.
No.7 - Maybankard 2 Gold Cards.
No.7 - UOB Preferred Platinum Visa/MasterCard.

No.10 - Citibank Platinum Visa Cash Back.

Once again, for this article, Malaysia Best Top 10 Credit Cards 2012, the FREE FOR LIFE criteria is not the main consideration but more on the returns, benefits and prestige that comes with the card. The same format as last year's is adopted for evaluating this year's Top Ten Best Credit Cards in Malaysia with an addition of a new criteria for overseas spending benefit. A STAR is awarded to that particular criteria if the benefit is above average. And in some cases it can be more than a single STAR. The criteria used is as follows: 
  • Reward Points and/or Cash Back for Local Spending (standard for the industry is return of equivalent to 0.5% cash back).
  • Reward Points and/or Cash Back for Overseas (2X Points or 1% cash back earns the card 1 STAR).
  • Reward Points or Cash Back For Petrol (most credit cards do not reward you for petrol).
  • Customer Service  (this is subjective and shall be based on my experience with the relevant banks).
  • Free Airport Lounge Access (this is a privilege and is not standard).
  • Automatic Free Annual Fee Waiver (this is a must nowadays).
  • Travel Insurance (some cards have terminated this benefit).
  • Others (exclusive privileges offered by the card).
This year I selected 18 cards for my evaluation (you will see them soon) which I thought have good standard features and benefits. In the list, two newly launched credit cards were evaluated and they are AmBank Visa Infinite (or World MasterCard) and Maybank Visa Infinite.

However, I did not include any Public Bank Credit Cards because I think their cash back starting at 0.3% is pathetic. And if you ask me, I will tell you that their 5% cash back for luxury items with their Platinum card is a joke. There is a cap of RM100 per customer and a fixed sum allocated monthly for the promo. Come on lah, we are talking about luxury items (where it would cost a few thousand ringgit) and with a cap of RM100/month (and not guaranteed), the 5% cash back is misleading. Better you go use UOB Preferred Plat and earn unlimited 5% SMART$ Cash at some Valiram Group's outlets which includes Coach , Jimmy Choo, Vertu and others. Click here to read my previous article on UOB Preferred Platinum SMART$ Cash at My Credit Cards blogspot.

Same thing for RHB Platinum credit card, the 15% cash back is a joke. In order to get the annual fee waived automatically, one needs to spend RM36K/year or RM3,000/month. RHB is banging on the 15% cash back to attract customers in signing up for their Platinum credit cards; but there is a cap of RM50/month. So if you spend like RM1K for dining at the restaurants that do offer the so called 15% cash back, what you actually earn is 5% only!


THE TOP 10 CREDIT CARDS IN MALAYSIA 

I am pleased to present my Top 10 Best Credit Cards in Malaysia 2012 (click on the card name to read more about the card) :


No. 9 - HSBC VISA SIGNATURE. (Tie with OCBC Titanium MasterCard)


The HSBC Signature shares this same spot at No.9 with OCBC Titanium MasterCard this year. Last year HSBC Visa Signature did not make it into my Top 10 list. I minus 2 STARS for HSBC Visa Signature because I was pissed off with HSBC's contests where they made me pay for the SMS to register and I spent RM5K for a particular contest with my HSBC credit card and yet failed to win anything. But I can't be holding that against HSBC forever because most of the contests/promotions being offered with credit cards nowadays have this same stupid requirement, requiring us to register via SMS.

So let's see what is good with the HSBC Visa Signature:

Reward Points/Cash Back Local - NONE (we only earn 1X points for local spending. The 5X points is only limited to mostly at Mid Valley Megamall and for selected merchants; moreover, it is not a standard feature and have an expiry date).
Reward Points/Cash Back Overseas - NONE (the 10X points is not a card permanent feature and is applicable to hotel and dining bills only).
Reward Points/Cash Back For Petrol - NONE (you earn nothing with this card for petrol unless there is a promotion).
Customer Service  - 2 STARS ( last year I signed up for HSBC online account, and this will automatically stop the Monthly Paper Statement be sent to me. I was not even aware of it. So I forgot to make a payment since I did not receive any paper statement. Only remembered it after like close to a week, called HSBC CS and explained to them on this matter and they gladly waived the late penalty fee and interest charges. So I am happy with HSBC CS. Also, for the Visa Signature, there is a dedicated Toll Free line and this earns them a STAR too.)
Free Airport Lounge Access - NONE (not even a single FREE entry to KLIA Plaza Premium Lounge).
Automatic Free Annual Fee Waiver - 1 STAR (swipe 12 times).
Travel Insurance - 2 STARS (HSBC not only offer travel insurance but overseas medical insurance too).
Others - 2 STARS (for retail purchases covered against theft and accidental damage plus FREE Golf Green fees at selected golf clubs)

TOTAL STARS = 7 STARS 

If you love contests or you are not a fan of Maybank credit cards, then the HSBC credit cards may be beneficial to you. Effective 1st March 2012 - HSBC Premier Credit Cards earns you 5X and 10X Rewards Points at selected places. And from 15 April 2012, you can convert 3000 Reward Points to 1000 Airmiles. Click on below link to read more.

HSBC Premier World MasterCard and Visa Signature Credit Cards Benefits 2012.



No.9 - OCBC TITANIUM MASTERCARD. (Tie with HSBC Visa Signature)


This card was ranked No.6 last year and this year shares the same spot with HSBC Visa Signature at No.9 with 7 STARs. Actually, this OCBC Titanium MasterCard compliments any other credit card in the market and everyone should have it. It earns you 5% cash back for Petrol, Groceries, Utility Bills, Telco Bills and for Dining too every day of the year. Only set back is that the cash back is capped at RM50/month; so, one needs to plan when using this card so that he/she does not spend more than RM1K with it for the 5% cash back items.

This credit card's annual fee is waived if you swipe 12 times and the RM50 GST absorbed by the bank if you spend RM10,000 with it per year. 

Reward Points/Cash Back Local - 2 STARS (because it earns the cardholder 5% cash back for essential expenses).
Reward Points/Cash Back Overseas - NONE 
Reward Points or Cash Back For Petrol - 2 STARS ( 5% cash back for ALL petrol stations). 
Customer Service  - 1 STAR ( from my personal experience). 
Free Airport Lounge Access - NONE (you need to purchase ticket costing more than RM3K).
Automatic Free Annual Fee Waiver - 1 STAR
Travel Insurance - NONE (limited travel insurance is provided but it does not warrant a STAR)
Others - 1 STAR (the bank will absorb the RM50 GST with spending of RM10K/year).

TOTAL STARS = 7 STARS 


No. 7 - AMBANK VISA INFINITE/WORLD MASTERCARD. (Tie with CIMB WMC/VI)


This card was only launched by AmBank this year and is by invitation only. 

Reward Points/Cash Back Local - NONE (only 1X points).
Reward Points/Cash Back Overseas - 2 STARS  (many cards offer 2X points; but the AmBank VI earns the cardholder 5X points for overseas transactions).
Reward Points or Cash Back For Petrol - NONE
Customer Service  - 1 STAR ( I called up to AmBank General Line and I am very happy with the guy I spoke to. He was courteous and was able to answer my queries, so I am giving AmBank a STAR for their CS).
Free Airport Lounge Access - 1/2 STAR (need to spend RM3K overseas but I guess this should not be a problem for their VI members ) 
Automatic Free Annual Fee Waiver - N/A (reason being you need to be invited).
Travel Insurance - 1 STAR (Up to RM2M)
Others - 3 STARS (1 STAR for dining offers and other promotion, 1 STAR for complimentary green fees at selected golf clubs and 1 STAR for Purchase Protection Plan)

TOTAL STARS = 7.5 STARS 



No. 7 - CIMB BANK WORLD MASTERCARD with VISA INFINITE.  ( Tie with AmBank Visa Infinite/World MasterCard)


Same case as last year where I mentioned you have to get these premium cards in a pair to benefit from the different promotions offered individually to their Visa and MasterCard. CIMB Promotions are very good in my opinion. Last year, these cards were ranked at No.5 and dropped 2 spots this year.

CIMB does have pretty good promotions like 15% discount at ERAMAN Duty Free outlets, Free  coffee at Dome, 15% discount at Tai Thong Group's outlets, 15% discount at many Thai Restaurants.  Please note, discounts are not subjected to a cap like what I mentioned for the RHB Platinum 15% cash back for dining. For CIMB credit cards, we actually earn 15% discount for our dining bills .

The Visa Infinte card earns you cash back of 0.5% for local transactions and 1% for overseas. The World MasterCard on the other hand rewards you with 2X points for overseas transactions. 

Reward Points/Cash Back Local - NONE (because it gives the standard with 0.5% equivalent returns). 
Reward Points/Cash Back Overseas - 1 STAR  ( 2X points with WMC or 1% with VI).
Reward Points or Cash Back For Petrol - NONE 
Customer Service  - 1 STAR ( from my personal experience). 
Free Airport Lounge Access - 1/2 STAR (because the 2 FREE entry is only renewable if you spent RM100K).
Automatic Free Annual Fee Waiver - 2 STARS (FREE FOR LIFE without conditions. Even if you don't do a single transaction for years, you won't be subjected to a single sen of annual fee).
Travel Insurance - 1 STAR 
Others - 2 STARS ( 1 STAR for complimentary green fees at selected golf club with the World MasterCard and 1 Star for CIMB promotions). 

TOTAL STARS = 7.5 STARS 

I am sure you guys will agree with me that I should award another STAR to CIMB credit cards if they bring back the 0% Balance Transfer :)



No.6 - MAYBANKARD 2 GOLD CARDSAmerican Express with Visa/MC


I was surprised that Maybankard 2 Gold Cards moved up a spot this year from last year's No.7. Last year it only earned 6 STARS only. This year, it earned 8 STARS. The additional STARs came from CUSTOMER SERVICE and for OTHERS.

The Maybankard 2 Gold American Express card is one of the best entry level credit card in my honest opinion. It earns you 5% cash back on weekends for ALL types of transactions including petrol on top of unlimited 5X Treats Points every single day of the year anywhere on earth. The card is free for life without a single condition. An article by GenX GenY GenZ : http://generationsxyz.blogspot.comPlease do not reproduce/reprint this article in whole or part in any form. 

Reward Points/Cash Back Local - 2 STARS (because the MBB 2 AMEX earns you unlimited 5X Treats Points anywhere on earth anytime and 5% Cash Back on weekends capped at RM50/month).
Reward Points/Cash Back Overseas - NONE 
Reward Points or Cash Back For Petrol - 1 STAR ( not ALL petrol stations accept AMEX).  
Customer Service  - 2 STARS (since most of us keep the Visa/MC in the drawer and only use the AMEX, we will call the AMEX Toll Free line at 1800-88-9559 which is 24 hours where the CS are courteous and helpful).
Free Airport Lounge Access - NONE
Automatic Free Annual Fee Waiver - 2 STARS (FREE FOR LIFE without conditions).
Travel Insurance - NONE. 
Others - 1 STAR  (taking into consideration we only need to spend RM2K with the AMEX to earn 10,000 Treats Points to offset RM50GST and at the same time can earn 5% cash back on weekends, which is better than OCBC Titanium spend RM10K to get automatic GST waiver).

TOTAL STARS = 8 STARS 


This card was formerly known as EON Bank Visa Signature and it was ranked at No.4 last year. Why has its ranking dropped? It is because last year I did not consider Standard Chartered Bank Visa Infinite, hahaha.

The annual income requirement to be eligible for this card was RM180,000 p.a. and after HLB took control of EON Bank, it was revised down to RM80K p.a. The annual fee of RM800 is waived subjected that you spent RM30,000 with it per year. 

The card earns you 1.5X reward points for local transactions and 2X for overseas. On top of points, this card also gives you cash back of 1% for overseas transactions subjected that you spent RM10K with it overseas and the cash back is capped at RM500. 

[Update 1 May 2012 - The HLB Visa Signature grants you 3 free access to worldwide airport lounges with Priority Pass membership for those who signed up for the card prior March 2012. The Priority Pass Membership Card IS NO LONGER ISSUED to cardholders who sign up after 1st March 2012.] And for a limited time, from now until end of June  2012, HLB Visa Signature cardholders enjoy unlimited FREE access to KLIA, LCCT, Senai and Changi Plaza Premium Lounge.

Overall, the benefits of the HLB Visa Signature looks good, however, when it was under EON Bank, the overseas conversion rate I experienced with it was pretty high compared to Maybank's Visa or MasterCard; and therefore, I won't use it anymore for my overseas transactions. 

Reward Points/Cash Back Local - 1/2 STAR (because it gives higher than the standard 1X but lower than Maybank Visa Infinite's 2X and Maybankard AMEX 5X TP).
Reward Points/Cash Back Overseas  - 1.5 STARS (because it earns the card holder 2X points and additional 1% cash back if spend above RM10K but less than Maybank and AMBank VI 5X points).
Reward Points or Cash Back For Petrol - NONE 
Customer Service  - 1/2 STARS (Even tho HLB VS has Toll Free Line [EX-EONBank dedicated Visa Signature Toll Free 1800882611] for their CS, I am only giving them half a star this year because I find their CS quality have deteriorated, they cannot seem to answer my queries satisfactorily. Besides a guy by the name of Brandon, the rest of the CS I spoke to recently are hopeless). *Please note, I am generally happy with the service provided by HLB Platinum CS Toll Free 1800388830.
Free Airport Lounge Access - 2 STARS (Worldwide airport lounges with Priority Pass for those who sign up prior to March 2012. And until 30 June 2012, unlimited free entry to Plaza Premium Lounges at KLIA and LCCT).
Automatic Free Annual Fee Waiver - 1 STAR
Travel Insurance - 2 STARS (because it offers Medical Insurance on top of Travel Insurance).  
Others - 1 STAR (for Free Purchase Protection Plan against theft and damage).

TOTAL STARS = 8.5 STARS (for those who sign up after March 2012 where the Priority Pass Membership Card is no longer issued, this card only earns 7.5 STARS; and therefore the ranking should be dropped and tie with CIMB and AMBank WMC and VI) 
No. 4 - STANDARD CHARTERED BANK VISA INFINITE


This card is the Ultimate Airport Lounge Card because the Priority Pass Membership Card that comes with it offer UNLIMITED entries to airport lounges worldwide and this feature itself is worth 3 STARS. However, other benefits are so so only.

Reward Points/Cash Back Local - NONE
Reward Points/Cash Back Overseas  - 2 STARS (5X Choice Points)
Reward Points or Cash Back For Petrol - NONE 
Customer Service  - 2 STARS (CS is efficient and got Toll Free)
Free Airport Lounge Access - 3 STARS (UNLIMITED entries to airport lounges)
Automatic Free Annual Fee Waiver - NONE
Travel Insurance - 1 STAR (because it offers Medical Insurance but no Travel Insurance).  
Others - 1 STAR (for Free Purchase Protection Plan).

TOTAL STARS = 9 STARS 




The American Express Platinum credit card earns you minimum 2X Membership Reward points for any transaction, which works out to be 1% cash back since you can redeem 200 Membership Reward points for RM1 cash back. And for your transactions related to groceries, petrol, GSC tickets, phone bills and books (at Borders, MPH, Kinokuniya and Times)  you will earn 5X Membership Reward points or 2.5% cash back. Also, you will earn 10X Membership Reward points (equivalent to 5% cash back) for your purchases at AMEX Platinum Partners. The best part about American Express Cash Back is that it is uncapped. So for big spenders, this card is excellent. 

The annual fee for the American Express Platinum credit card is RM800, and you've got to request for yearly waiver. 

Other benefits of this card is that it offers complementary green fees at selected golf clubs, purchase protection plan and unlimited access to KLIA and LCCT Plaza Premium Lounge.

However, I doubt you'll use this card for your own personal overseas expenses because the conversion rate is high. Better use a Maybankard Visa or MasterCard for overseas transactions.

Reward Points/Cash Back Local - 1 STAR (because it earns you minimum 2X Membership Reward points and unlimited 5X Membership Reward points for groceries, GSC, book stores and phone bills).
Reward Points/Cash Back Overseas - NONE
Reward Points or Cash Back For Petrol - 1 STAR (you earn 5X MR points or 2.5% cash back). 
Customers Service - 2 STARS ( Toll Free and CS representatives always courteous - i.e. AMEX 1800-88-9559). 
Free Airport Lounge Access - 2 STARS (unlimited access to local Plaza Premium Lounge).
Automatic Free Annual Fee Waiver - NONE
Travel Insurance - 1 STAR 
Others - 3 STARS ( 1 STAR for dining offers and other promotion, 1 STAR for complimentary green fees at selected golf clubs and 1 STAR for Purchase Protection Plan).  

TOTAL STARS = 10 STARS 

To read more about American Express Platinum Credit Card click here to AMEX website.





Well, I have mentioned the benefits of Maybankard 2 Gold Cards above in general. The Maybankard 2 Platinum cards have more benefits compared to the Maybankard 2 Gold cards where you will enjoy Toll Free line to Maybank Customer Service for the Visa and MasterCard, complimentary green fees at selected golf clubs, purchase protection plan and travel insurance.

Reward Points/Cash Back Local - 2 STARS (because it earns you unlimited 5X Treats Points anywhere on earth anytime and 5% Cash Back on weekends capped at RM50/month)
Reward Points/Cash Back Overseas - NONE 
Reward Points or Cash Back For Petrol - 1 STAR ( not ALL petrol stations accept AMEX)  
Customer Service  - 2 STARS (since most of us keep the Visa/MC in the drawer and only use the AMEX, we will call the AMEX Toll Free line at 1800-88-9559 which is 24 hours where the CS are courteous and helpful). An article by GenX GenY GenZ : http://generationsxyz.blogspot.comPlease do not reproduce/reprint this article in whole or part in any form. 
Free Airport Lounge Access - NONE
Automatic Free Annual Fee Waiver - 2 STARS (FREE FOR LIFE without conditions.)
Travel Insurance - 1 STAR
Others - 3 STARS  (1 STAR the AMEX which only need us to spend RM2K to offset RM50GST, 1 STAR for Purchase Protection Plan, 1 Star for Golf privileges) 

TOTAL STARS = 11 STARS 





Maybank launched Visa Infinite last October and the benefits are pretty good. Click on above link  to read my comprehensive review.

Reward Points/Cash Back Local - 1 STARS (because it earns you unlimited 2X Treats Points anywhere).
Reward Points/Cash Back Overseas - 2 STARS  (just like AmBank, this card also earns the card holder 5X points for overseas transactions).
Reward Points or Cash Back For Petrol - NONE
Customer Service  - 2 STARS (Toll Free line and dedicated Premier Customer Service)
Free Airport Lounge Access - 1 STAR ( 5X entries to airport lounge worldwide)
Automatic Free Annual Fee Waiver - 1 STAR (need to spend RM50K!)
Travel Insurance - 1 STAR
Others - 3 STARS  (1 STAR the FREE Starwood Privilege Card, 1 Star for Golf privileges [should be more than a Star for golfers since it offers International Golf Privileges compared to Maybankard 2 Platinum Cards for local golf clubs only]  and 1 Star for conversion of 5X TP to 1 Enrich Mile where it works out to 90sen = 1 Enrich Mile) 

TOTAL STARS = 11 STARS 

Click here to read my comprehensive review of the MYBANKARD VISA INFINITE.



AND the No.1, THE BEST CREDIT CARD IN MALAYSIA goes to ....




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drum-roll ........... (can you hear it in your head?)





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more drum-roll .........(you should be hearing it by now) 






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drum-roll getting louder....... (to benefit those with hearing problems)





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and ends with a KABOOM!

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The No.1 Best Credit Card in Malaysia - Once again - Not one card but all My Credit Cards and Debit Cards combined, hahaha.





I guess most of you guys who read my first article on Top 10 Credit Cards would have known the answer to the above even prior to me writing this article. Since both Maybankard 2 Platinum Cards and Maybank Visa Infinite earned the same number of STARS, there is no number 1 spot, i.e.- there is no "The" Best Credit Card in Malaysia. Both the Maybankard 2 Cards and Maybankard Visa Infinite are second to none.

Same reasoning as what I mentioned last year, if the Maybankard 2 Platinum American Express card had provided free access to KLIA Plaza Premium Lounge and the American Express card is accepted by most insurance companies, then I would say that the Maybankard 2 Platinum Card is truly the best credit card in Malaysia but that is not the case. Also it lacks overseas Medical Benefits like the one provided by HLB Bank Visa Signature, Citibank Platinum, Citibank PremierMile Visa Signature and HSBC Visa Signature. One major disadvantage of the Maybankard 2 Card is that the American Express card is not accepted by ALL petrol stations :( On the other hand, the Maybankard 2 Visa or MasterCard is accepted by ALL petrol stations but you will only earn 1X Treats Points.

As for the Maybankard Visa Infinite, the 2X Treat Points and 5X Treats Points are indeed very good, but it only offers 5 complimentary entries to airport lounges. If it comes with separate unlimited FREE entries to KLIA or LCCT Plaza Premium Lounge, then this card is a must have credit card for most frequent travelers. An article by GenX GenY GenZ : http://generationsxyz.blogspot.comPlease do not reproduce/reprint this article in whole or part in any form. 

Why is FREE access to airport lounge (without any condition) a main criteria you may ask? Well, you get FREE "makan" ( meal ) by just presenting your card. The magic word is FREE :)

So once again, I would like to reiterate that there is no best credit card in Malaysia. To benefit most from a credit card, you must be smart enough to choose the right card to use (not own) based on your spending pattern and if the card promotions benefits you.

Having said the above, I think the OCBC Titanium MasterCard is a great sidekick card that compliments any credit card and everyone should have it :)

To summarize once again, Malaysia Best Top Ten Credit Cards for 2012 (last year's ranking) are: 

No.2(2) Maybankard 2 Platinum Cards
No.2(-) Maybankard Visa Infinite

No.3(3) American Express Platinum Credit Card 

No.4(-) StanChart Visa Infinite

No.5(4) Hong Leong Bank Visa Signature

No.6(7Maybankard 2 Gold Cards

No.7(5) CIMB World MasterCard with Visa Infinite
No.7(-) AmBank Visa Infinite/World MasterCard

No.9(6) OCBC Titanium MasterCard
No.9(-) HSBC Visa Signature

And as I mentioned earlier, I evaluated 18 credit cards, below is a table summarizing the STARs earned for each credit card. Credit cards that were in the Top 10 last year but did not make it into this year's list are:
  • Alliance Platinum was at No.7 last year but dropped to No.11 this year. 
  • UOB Preferred Platinum tied with Alliance at No.7 too last year but this dropped to No.16. It lost a STAR because the FREE entry to KLIA, LCCT and Senai Plaza Premium Lounge privilege was removed starting this year.
  • Citibank Cash Back was at No.10 last year but this year share the No.17 position with UOB One Card. Basically both these card's benefits are similar and only good for petrol up to RM600.
My evaluation also included Citibank Premier Visa Signature which tied with Alliance Bank Platinum at No.11 followed by Citibank Platinum at No.13. Both theses cards are pretty good and offer FREE entries to KLIA and LCCT Plaza Premium Lounges except that they do not offer some kind of auto annual fee waiver. If Citibank were to offer similar auto annual fee waiver like HSBC's 12 swipes or Maybankard 2 Cards' FREE FOR LIFE, they would have earned themselves a STAR or 2 STARS respectively and most probably will be in my Top 10 credit cards. For those having Citibank credit cards - click here to read my post on Citibank Credit Card Promotions 2012.





Wow, Maybank has 4 credit cards in my Top 10 list, if I were to award a title for The Best Credit Card Issuer in Malaysia, they deserve it. Come to think of it, 5 of my cards out of 18 are from Maybank, i.e. AMEX Gold Charge Card, Maybank Visa Infinite, Maybank Platinum MasterCard, Maybankard 2 AMEX and Maybankard 2 Visa.

Let's hope Maybank comes out with FREE FOR LIFE without condition Maybankard 2 Cards Version 2.0 where BOTH the AMEX and  Visa/MasterCard earns us 5X Treats Points for local and overseas transactions. And the Version 2.0 must offer FREE entry to at least KLIA Plaza Premium Lounge so that I can give it the award of being THE BEST Credit Card in Malaysia.

And for the time being, I have 8 of out the Top 10 best credit cards in Malaysia :)



Click here to read my article on Premier Credit Cards - Exclusive and Privilege Credit Cards. In this article I have ranked Premier credit cards based on  minimum Credit Limit.





Click here to read last year's top credit cards.

Click here to read my article titled The Best Credit Card in Malaysia - Is There Really One?

Want to enter KLIA or LCCT Plaza Premium Lounge for FREE makan? I have an article published for your benefit - click here to FREE Entry to KLIA and LCCT Plaza Premium Lounge with Credit Cards. This article includes FREE entry to worldwide airport lounge with the Priority Pass Membership Card issued with Premier Credit Cards.

Click here to see what cards are in my wallet in my article titled Louis Vuitton Wallet for My Credit Cards and Wife's Too.




Those of you who are interested in converting you Treats Points to Enrich Miles, click here to read my article Toshiba i5 for RM999 with Maybankard On The Spot Redemption and  ENRICH MILES REDEMPTION 



Click here to read my article UOB Privilege Banking Visa Infinite and RetirementThe new UOB Visa Infinite competes with Maybank and StanChart Visa Infinite where these Premier Credit Cards offer 5X reward points and Priority Pass Membership Card.



Click here to read my article - Hong Leong Bank Credit Cards - What Are They Good For? If you are interested in Personal Loan or need cash with your credit cards, this article may be of some assistance.

Click here to my article titled My Bragging Rights and My Credit Cards 2013

To read my brief review on the UOB Visa Infinite versus Citibank Prestige World MasterCard Elite versus Alliance Bank Visa Infinite versus Standard Chartered Bank Visa Infinite, please click here to my article The Best Credit Card for FREE Entry to Airport Lounge 2013


Click here to my article titled New Credit Cards 2013 in Malaysia where I did a review comparing CIMB Cash Rebate Platinum MasterCard versus Citi PremierMiles American Express versus Citi Prestige MasterCard Master Elite versus Hong Leong Bank Wise Visa versus, RHB Visa Signature vs. Standard Chartered Bank WorldMiles MasterCard.



To find out the best of the best credit cards in Malaysia 2014, click here to my Credit Cards Ultimate Showdown 2014. If your current credit cards are in my Top 10 list, it's time you go start with applying for the Maybankard  2 Cards.


3 comments:

  1. interesting. Thanks for sharing. But I wish to highlight that there is no retail protection on Maybank Visa Infinite. So you may want to minus one point from your total scoring.

    ReplyDelete
    Replies
    1. adam, you are right. Thank you for pointing it out. Revised it to to maintain 3 Stars for OTHERS, haha. Appreciate you taking the time to comment but as a reminder - please sign up as a follower to comment. This is to prevent me reading and posting the many spams I get but in your case I know it is genuine.

      Delete
  2. adam, at the very top of every page there is a Reminder on how to join as a follower. I just added the same image to the end of this post. I am sure you can figure it out.

    ReplyDelete

Only followers of GenX GenY GenZ comments will be published :)

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