Conclusion

Based on the credit cards reviewed above, I have prepared a table of comparison for your easy reference:

So from the above, I have once again showed you that in order to optimize earning air miles, in this case Enrich Points, you need more than 1 credit card!

For topping up eWallets and Online Transactions – Alliance Bank Virtual Platinum Credit Card.

For Petrol and Groceries – Alliance Platinum (Physical card) but best you play cash back credit cards.

For Overseas – Alliance VI or UOB VI or RHB Premier VI. All these 3 mentioned credit cards’ are FREE FOR LIFE is you have Privilege or Premier Banking Status with the respective bank.

For purchasing more than RM100K Malaysia Airlines tickets – AmBank Enrich VI if you can get the discount shown in Ambank’s table.

For Dining and everything else not mentioned above – Hong Leong Bank Visa Infinite.

In addition to the above credit cards, you should also look into CIMB eCC (mentioned in my article Best Credit Cards in Malaysia 2025) where you can earn 12X Bonus Points on 28th of every month but there is a capping.

Now, I need to point out that Maybank Singapore Airlines Platinum AMEX offers you – (1) FREE Access to Airport Lounges without needing to spend a sen and (2) 1 KrisFlyer Mile for every RM2.50 and RM2 spent over the counter and online which is way netter than HLB VI for most categories and even purchasing Malaysia Airlines tickets!!!

Last but not least, if you are paying interest on your Credit Card Outstanding Balance, it means you are spending beyond your means and you should terminate your credit cards and settle your debts asap. The only way to really earn anything from credit cards is that you settle your Statement Balance prior to the Due Date and not pay a single sen more to the bank(s).