The Best Credit Cards For Malaysia Airlines Enrich Points

First of all, the Alliance Visa Infinite and Platinum Visa are no longer the best credit cards for Enrich Points (please click here to my article titled Alliance Bank Visa Infinite and Platinum Credit Card Revision effective August 2025 – Should You Keep Or Terminate?). The Alliance Visa Infinite may be good for overseas transactions if you do not have UOB Visa Infinite (which is way better as you can convert UNIRM to KrisFlyer or Asia Miles too). As for the Visa Platinum which earns you 5X TBP for Dining and Groceries, well if you do not have any other credit card for Dining then it is good I guess where you do earn 1 Enrich Point for every RM3 spent.

I am pleased to list below the Best Credit Cards for Enrich 2026 for different type of spending pattern:

1. FREE For Life Hong Leong Bank Visa Infinite for Dining where you will earn 1 Enrich Point for every RM1 spent. No capping.
2. CIMB eCC on 28th of the month to earn 12X Bonus Points for Online Transactions where you will earn 1 Enrich Point for every RMRM1.041. Please check CIMB website on or after 1st Jan 2026 for annual fee waiver.
3. UOB Visa Infinite (non Privilege Banking) for Overseas where you will earn 1 Enrich Point for every RM1.20 spent. This said card is not FREE For Life but the annual fee is waived with RM50K spending plus you can call and beg for annual fee waiver. You can also consider UOB PRVI Miles Elite which also earns you 1 EP for every RM1.20 spent overseas.
4. FREE For Life Alliance Virtual Card for eWallet Top Up where you will earn 1 Enrich Point for every RM1.875 spent. Capped at RM3K per month.
5. FREE For Life Alliance Virtual Card for Online Transactions where you will earn 1 Enrich Point for every RM1.875 spent. Capped at RM3K per month which is separate quota from eWallet Top Up.
6. FREE FOR LIFE CIMB Travel Platinum MasterCard for Airlines and Overseas where you will earn 1 Enrich Point for every RM2.50 spent.
7. FREE For Life Hong Leong Bank Visa Infinite for Tour Agents (you are to confirm with the Tour Agent their MCC Code to ensure that it is as per listed at HLB TnC) where you will earn 1 Enrich Point for every RM4 spent.
8. FREE For Life Hong Leong Bank Visa Infinite for Insurance and Education where you earn 1 Enrich Point for every RM6 spent.
9. FREE FOR LIFE CIMB Travel Platinum MasterCard for Retail Spending where you can earn 2X Bonus Points which works our to be 1 Enrich Point for every RM6.25 for every RM6.25 psent locally.

For Alliance Virtual Card and CIMB eCC, Online Transactions include TNB (via TNB App), Hotel Bookings (e.g. Agoda), Airlines, Telcos, Shopee (including to pay bills), Lazada to pay bills, Tour Agents (some can send you payment link), VCA (they can send you payment link where you can use AMEX too), and etc.

Click here to learn more at my article titled he Best Credit Cards To Earn Malaysia Airlines Enrich Points Plus Bonus July 2025 – A Comprehensive Tutorial – the most important thing you will realize is you must read the credit cards’ TnC. Example, CIMB will not reward you any Bonus Points for Auto-Debit or if you have a Late Payment (because you forgot the Due Date).

The key to playing credit cards is to OPTIMIZE the returns. So if you ask me, for Petrol and Groceries we should use Maybank 2 Card Gold/Platinum AMEX on weekend to earn 5% cash back. For Online Transactions we should use Maybank AMEX Plat-i to earn 8% cash back.

So say you if you can only pay ONLINE (not via a single transaction but many times to an account – all you need to do is ask) with a Visa or MasterCard for transactions related to (1) RM20K to a Tour Agent or (2) RM20K for your child’s International School Fees or (3) Insurance Premium of RM20K – you can then optimize by doing the following payments:

1. RM3K with Alliance Virtual Card (plan and you may get to use it before and after Statement Date and thus you may get to pay RM6K);
2. RM1.7K with CIMB eCC on 28th of the month (plan and pay in advance on the 28th if necessary);
3. Balance RM15.3K with Hong Leong Bank Visa Infinite
4. If your spouse has his/her own Principal CIMB eCC and Alliance VC, then you can repeat Steps 1and 2 above and the Balance Amount for item 3 will be reduced further.

In respect to to above example, if the merchant accepts AMEX for Online Payment, you can add Maybank 2 Cards Gold/Platinum AMEX, Maybank AMEX Platinum-i and even use Maybank KrisFlyer AMEX Platinum which earns you more air miles (compared to over the counter and definitely way better than HLB VI).

Please note from the above example, I did not include Super Premium Credit Cards where these said cards can earn us more air miles. I will give you one example for Enrich Points – Hong Leong Bank Visa Infinite P.

My Air Miles Disciples and I (where we do spend more than RM5K per month) do play the Alliance Virtual Card, CIMB eCC and HLB VI to earn Enrich Points coupled with Cash Back credit cards and/or Cards that earn us KrisFlyer Miles in order to OPTIMIZE. Once again, the key is not maximizing (by playing only Enrich Points only) but to OPTIMIZE (play Enrich + KrisFlyer + Cash BacK and also other FFP).

The thing about Enrich Point is that it is excellent to redeem tickets during off-peak periods where we will need less Enrich Points compared to KrisFlyer Miles from KUL to the same destination. However, during Peak Periods or last minute, the Enrich Points required to redeem a Malaysia Airlines ticket (regardless Economy or Business Class) is freaking ridiculous whereas the miles required for KrisFlyer are fixed for Saver Option.

Click here to Page 5 for The Best Credit Cards for KrisFlyer Miles

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