Bros & Sis, as you all know, there is no such thing as the best credit card in Malaysia. We have to select the right credit card based on our spending pattern.
For cash back, I will tell you straight off that the best credit card on weekends, where AMEX is welcome, the fabulous Maybank 2 Gold/Platinum Cards American Express is second to none because you are guaranteed to earn 5% cash back for any type of transactions including government transactions! Then again, if the merchant does not accept AMEX, then the Maybank 2 Gold/Platinum Cards are useless, hahaha.
Having said the above, when it comes to Air Miles, in addition to your spending pattern, there is another criteria to consider, which is what airline’s air miles you want. For examples, the CIMB Enrich credit cards are pretty good for Enrich but useless if you are into KrisFlyer or AsiaMiles!
Today’s article will give you a guide as to what credit card you should hold if you are into air miles. Now, if you are thinking of redeeming for Economy Class tickets which are freaking cheap, I suggest you stop reading the rest of this article but instead click here to my Cash Back Page and choose the right credit cards that earn you minimum 3% cash back for different categories. I tell you, if you really sit down and use your brain to analyze, you will find that you will earn more from cash back cards compared to redeeming an Economy Class ticket or even Business Class ticket to Shanghai or Perth!
However if you want to fly for FREE, minimum Business Class for flights that are 8 hours or more, then opting for Air Miles credit cards will give you much better returns versus cash back credit cards.