Enrich Points

Like I mentioned, some people are just into Enrich Points only for reasons known only to them. Now I must say that since Malaysia Airlines is part of One World, you can use Enrich Points to redeem for other airlines under the One World umbrella and even first class but generally we need more Enrich Points compared to Asia Miles (which can be done online and on the spot) for the same flight.

Well, Alliance Bank Visa Infinite and Platinum were very good for accumulating Enrich Points when it was first revamped few years ago but they have downgraded the cards’ benefits where today we are only entitled to 8X Timeless Bonus Points for spending up to RM3K per month!

Click here to read more about Alliance Credit Card current benefits.

So with 8X TBP with Online Spending and 15K TBP = 1K Enrich Points, it means we will earn 1 Enrich Point for every RM1.875 spent online which is very good if you are into Enrich Points.

I can confirm that you will earn 8X TBP via TNB App. HOWEVER, I cannot confirm if you will earn 8X TBP when you pay your Insurance Premiums online. Once again auto-debit is not online.

The Alliance VI or Platinum or Virtual Card are also very good for topping up Shopee Pay up to RM3K…… some people just must use Shopee Pay to purchase stuff instead of paying with AMEX Cash Back credit cards, haha. Please note that Alliance do have promos during Shopee Sales so read your emails.

Please note for Alliance Bank VI, Platinum and Virtual Card, the spending limit of RM3K and Topping Up eWallet limit of RM3K to earn 8X Timieless Bonus Points are separate quotas. Please read Alliance Bank credit cards’ TnC.

As for the 5X TBP for dining and overseas, this works out to 1 Enrich Point for every RM3 spent with the Alliance VI or Plat which is pretty good especially for dining.

And just like in the case of KrisFlyer, you can also use CIMB eCredit Card to earn Enrich Points on the 28th of each month where you will earn 1 Enrich Point for every RM1.04 spent which is freaking super fantastic.

Now, the Alliance and CIMB eCredit Cards have maximum spending monthly quota to earn 8X TBP and 12X CIMB Bonus Points respectively; thus these said cards are useless once you have to transact beyond the monthly spending limits. Say you have to pay Insurance Premium of RM30K, you will then need another card and it definitely won’t be a Maybank credit card because you will only earn 1X TP for Insurance.

So what credit card to use for unlimited amount such as RM30K for an insurance premium? The answer is Hong Long Bank Visa Infinite!

Click here to read Hong Leong Bank Visa Infinite Review

So what is missing to earn Enrich Points? The answer is Petrol.

i am going to tell now about optimizations…… like I mentioned at the very start, you must know how to determine how much you need to spend in order to earn 1 Air Mile.

Once you have determined above, the next step you need to know is how much is 1 Air Mile worth!!! I am not going to teach you exactly how to determine the value of 1 Enrich Point but I will tell you that it will be less than 4.5 sen! If somehow you calculate 1 Enrich Point to be more than 5 sen, I will tell you that you are wrong!

Therefore assuming you can earn 1 Enrich Point when you transact RM1.04 with the CIMB eCC AND 1 Enrich Point is worth 4.5 sen (it will be much less), it means you are getting a return of 4.3% which is less than Maybank 2 Gold/Platinum Cards AMEX 5% cash back!!! In other words, do not waste your freaking time with other credit cards that earns you Reward Points including Maybank Petronas which earns you 8X Treats Points. For Petrol use Maybank cash back credit card(s) or other banks’ credit card that guarantees you minimum 5% cash back!

Tap/Click on the button below to the desired page….