Category Archives: Travel

My Credit Cards 2018 – Malaysia Best FREE FOR LIFE Cards

Another Personal Finance tutorial by GenX @ http://www.GenXGenYGenZ.com

My Best Credit Cards 2018 600

In my FREE Credit Card Tutorial 2018 – CC101 (click here to read it if you have not), the first lesson I taught you was – Get FREE FOR LIFE CREDIT CARDS.

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The Best Credit Cards for Overseas Transactions 2016 – Maybank & UOB Visa Infinite versus AmBank & CIMB World MasterCard

Another credit card tutorial by GenX @ http://www.GenXGenYGenZ.com

The Best Credit Cards Overseas Visa Infinite versus MasterCard plus Teacups

Update April 2017 –  The Best Credit Card for Overseas Transactions in 2017.

RHB Bank Premier Banking FREE FOR LIFE no conditions whatsoever Visa Infinite is freaking excellent for OVERSEAS spending (8X Reward Points). This card is currently The Best Credit Card for Overseas Transactions if you are into Enrich Miles. You are also entitled to minimum 10X FREE entries to all Plaza Premium Lounges nationwide plus 5 overseas. Click here to my updated article titled The Best Credit Card in Malaysia 2017 to learn more.

Update 24 April 2016 – Added transactions with Maybank & UOB Visa Infinite, CIMB World MasterCard and Maybank AMEX Reserve

INTRODUCTION

Over the years I have presented to you guys many comparisons of overseas transactions’ conversion rates with my credit cards. A little more than a couple of years back, at my Generations X Y Z blogspot, I showed you guys that the Maybank Visa Infinite overseas conversion rate was lower/better than my UOB Visa Infinite and Alliance Bank Visa Infinite. Since then I have only been using my Maybank Visa Infinite for my overseas transactions and even terminated my UOB Visa Infinite P in mid 2015 because I needed to spend RM50K to get the annual fee auto waived.

If you are one of my regular readers, you will know that the Maybank 2 Cards Premier, i.e. Maybank Visa Infinite and Maybank AMEX Reserve Combo, are the best credit cards issued by a Malaysian Financial Institution as far as accumulating Enrich Miles is concerned. This is because we earn 5X Treats Points for every RM1 spent overseas with the Maybank Visa Infinite/Maybank AMEX Reserve. And the conversion rate from TP to EM is 4770 TP = 1000 EM; this means, we earn 1 Enrich Mile for every RM0.954 spent overseas!!! No other card in the world can offer you this freaking good returns.

From my previous articles, many of you have been taught that we get the best returns (more than 10% cash back equivalent) from our credit card usage when we redeem for Business Class tickets. That is if you hold the right credit card(s). If you are new to my blog, for your own benefit, I strongly recommend that you read the articles below and you too can earn more than 10% equivalent cash back from your credit cards transactions:

Bragging Rights Europe 2016 Business Class Honda Limited EditionA Little Bit Of This and A Little Bit Of That – Volume II, Chapter 1. Among other things I will show you how I earned FREE money equivalent to RM70,464,50 cash. Three of my children, my wife and I are flying on Business Class return KL/London this coming June/July all thanks Maybank. You will also be taught various ways to fly Business Class for FREE.

Best Credit Cards for Frequent Flyer MilesComprehensive Review of The Best Credit Cards for Redeeming Frequent Flyer Miles – Enrich Miles and KrisFlyer Miles. In this article I prepared tables showing you the best credit cards for local and overseas transactions to earn Enrich Miles and Kris Flyer Miles too. The info in this article are still applicable except for CIMB Enrich World MasterCard where they recently revised the Enrich Miles program. To learn more about CIMB Enrich (Elite too) World MasterCard, click here to read my Review.

And we now can use our Enrich Miles to redeem Emirates Business Class air tickets to Europe and America 🙂 However, you can’t redeem Emirates First Class tickets using Enrich Miles. To redeem Emirates Economy and Business Class tickets using Enrich Miles, you need to call Enrich Customer Service because you can’t do it online unlike redeeming for Malaysia Airlines Berhad’s tickets and get minimum 15% discount.

Enrich Miles Emirates

Effective March 2016, Maybank has revoked the Maybank Visa Infinite Priority Pass Membership Card but the 5X FREE access to local Plaza Premium Lounges was maintained for the Principle cardholder only (previously Supplementary cards were also given the privilege to enter our local PPL for FREE). Therefore, this means my children won’t be able to enter our local PPL for FREE. My wife still has her own cards that allow her to enter the PPL at KLIA and KLIA2. Actually, my children would be happy to know that I can no longer “force” them to go to the PPL KLIA2 as they hate the food there, hahaha. My children prefer to burn my money at Nanny’s Pavilion which serves pretty good food near to the PPL at KLIA 2 Mezzanine Floor.

Somehow, I am truly blessed and miracles always fall on my lap when it comes to credit card benefits. You see, effective 1st January 2016, UOB revised their auto annual fee waiver mechanism for their UOB Visa Infinite P whereby the card user only needs to transact with the card minimum once a month (i.e. minimum 1 time every month and NOT 12 times a year). Therefore, sometime back in February 2016, I went and reapplied for the UOB Visa Infinite P. The reason I reapplied for the UOB VI P was because it comes with a Priority Pass Membership Card that grants 6X Free Entries to Airport Lounges Worldwide.

The standard UOB Visa Infinite only grants the cardholders 4X Free access to local Plaza Premium Lounges and as of April 2016, the cardholder still needs to spend RM50K to have the annual fee waived unlike the uOB VI P.

According to UOB’s website, the Visa Infinite P is by “invitation” only. Generally, in order to apply for the UOB Visa Infinite P, you need to have UOB’s Privilege Banking status plus a certain amount of Assets Under Management (AUM) with UOB. When the UOB VI P was first launched, the AUM required to be eligible for the card was RM1M. However, I’m not sure of the current eligibility. When I reapplied for the UOB VI P, I did not bother to ask what are the latest requirements to qualify for the UOB VI P. I just simply went to UOB to see my Relationship Manager and she asked me to sign on the application form and she filled in the rest.

So today, I’m still blessed to have a Priority Pass Membership Card (from UOB VI P) that grants me FREE access to airport lounges worldwide and I do not need to spend RMX amount a year for the annual fee to be waived.

I still hold the Alliance Bank Visa Infinite issued via Privilege Banking; as such, the annual fee is perpetually waived. However, effective this year, in order to be eligible for FREE access to airport lounges, I need to spend RM150K with the Alliance Bank Visa Infinite. From my years holding Alliance Bank Visa credit cards (starting from their Platinum), I have found their overseas conversion fee to be amongst the highest, Therefore, I hardly ever use my Alliance VI; moreover, it does not make sense to use it since I will earn less Enrich Miles compared to my Maybank Visa Infinite.

Another credit card that one should consider for overseas transactions is the AmBank World MasterCard. However, this card is useless for overseas internet transactions.

The AmBank credit cards are useless to me as majority of my credit card reward points are earned via online transactions:

  1. My children’s tuition fees in Australia (Uni & High School) – I will use my Maybank  Visa Infinite and earn 1 Enrich Mile for every RM0.954 spent on their tuition fees.
  2. Paying for AirAsia and Malaysia Airline Berhad air tickets using my Maybank AMEX Reserve in Ringgit Malaysia and earn 1 Enrich Mile for every RM0.954 spent on air tickets.
  3. Paying for other international airlines tickets, e.g. United Airline and Air France, using my Maybank Visa Infinite and earn 1 Enrich Mile for every RM0.954 spent.
  4. All bills related to my apartment in Melbourne, i.e. Body Corporate, Electricity, Water& Sewerage and Taxes, are paid online and I will use my Maybank  Visa Infinite and earn 1 Enrich Mile for every RM0.954 spent.
  5. Overseas hotels mostly through Agoda paid in Ringgit Malaysia where I will use my Maybank AMEX Reserve and earn 1 Enrich Mile for every RM0.954 spent. Click here to read my article titled Booking Hotel Rooms – Agoda Maybank vs Expedia so that you won’t be fooled by Expedia who advertise lower rates compared to Agoda.

Maybank Treats Points Revision 2016Before I proceed any further, I have to highlight to you that effective April 15 2016, Maybank has revised their Treats Points program where you will no longer or earn miserable reward points from transactions relating to Utilities, Insurance, Government, Petrol and Education. However, I have good news for you, for overseas transactions, i.e. foreign currency other than Ringgit Malaysia, we are still entitled to 5X Treats Points for transactions relating to Education and Utilities. Click here to read my article titled Bad News – Revision To Maybank Treats Points April 2016.

I have been in Melbourne for the last 3 weeks and this gave me the opportunity to use and compare my credit cards’ overseas conversion rate for your benefit and mine. For this article, I will compare my Australia transactions with my Maybank Visa Infinite, UOB Visa Infinite and CIMB World MasterCard.

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Booking Hotel Rooms – Agoda Versus Expedia

An article by GenX @ http://www.GenXGenYGenZ.com

Agoda versus Expedia Hotel Room Booking Online

INTRODUCTION

If you are a follower of my mine, you will know that my eldest daughter is crazy over K-Pop ever since she was in high school. She’s now in her final year of Uni but still spend most of her time glued to her iPad watching Korean Dramas and K-Pop Videos.

When the iPad Mini was first introduced many years ago, my mum got herself one. And with the iPad Mini, my mum could watch Korean dramas anywhere in the house! I tell you, Apple did the right thing by introducing the iPad Mini as it is much lighter and the ladies can carry it with them everywhere they go as it can easily fit into a handbag! Besides watching korean dramas, my mum uses her iPad Mini to play games and she takes tons of photos with it. My mum also brings her iPad with her when we are having dinner with  friends as she can show off her photos.

My eldest daughter has always wanted to go to South Korea. But, I on the other hand have no interest in going there again. You see, I have been to Seoul and Jeju Island many years ago, it was a FREE short holiday complimentary from one of my ex-bosses where we flew there on Business Class and stayed at 5 Star hotels.

Then last week, out of the blue, my mum said she wanted to take my two daughters to Seoul. I agreed with her suggestion as my eldest daughter will be graduating by end of this year and is expected to start work next year. Therefore, I thought it would be good for my daughters to spend some quality time with their grandmother. So, the most suitable time for them to go to Seoul is sometime in end of September as both my daughters will be on their school break.

AirAsia was having a Sale, and I noted the cheapest return ticket cost less than RM900. So, I told my eldest daughter to book the return tickets BUT I ended up paying about RM4,600 (for my mum, wifey and 2 daughters – RM1,150 per pax) because the cheap ticket time is at odd hours. My eldest daughter wanted to arrive in Seoul early in the morning instead of in the evening (the cheaper ticket).

With the tickets purchased, the next thing was to book the hotel rooms.

If you have visited my CREDIT CARD PROMOTIONS PAGE, you will note that the following discounts were mentioned:

  1. Agoda – up to 7% discount with Maybank credit cards.
  2. Expedia – 10% discount with Maybank American Express cards.

Usually I book my hotel rooms with Agoda and get 7% discount with my Maybank AMEX Reserve to earn 5X Treats Points and pay in Ringgit Malaysia. However, since we can get 10% discount with Expedia, I thought I’d check them out. So, I went and read the terms and conditions for the 10% discount and to my dismay, it’s for Stay Period until end of June 2016 only. Since the girls are going to Seoul in September, this means that the promotion is not applicable in my case.

Oh, before I forget, a nice guy messaged me and informed that he too got 7% discount with Agoda Maybank using his Maybank 2 Gold Cards American Express.

However, what I noticed was that Expedia’s advertised price was cheaper than Agoda’s. I shall now present my findings:

AGODA (agoda.com/maybank) VERSUS EXPEDIA (expedia.com.my)

Below is an image showing the advertised price at Agoda and Expedia for the same Superior Double Room at Lotte Hotel Seoul Main Wing with the same check in (19 Sep 2016) and check out (20 Sep 2016) dates:

Agoda vs Expedia Lotte Seoul Price Diff

As you can observe from above, Expedia’s advertised price is RM125 cheaper than Agoda’s. That’s about 13.5% difference. WOW! Expedia is really freaking good, 13% cheaper than Agoda, unbelievable, right?

Below are more examples for different hotels:

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Singapore Airlines KrisFlyer American Express® Gold Credit Card Mini Review

Another Credit Card Review by GenX @ http://www.GenXGenYGenZ.com

INTRODUCTION

Last week someone who holds the Maybank 2 Gold Cards messaged me at Facebook to ask for my opinion on Maybank’s Singapore Airline KrisFlyer AMEX. He pointed out to me that with the “Bonus Miles”, we can get an equivalent of 1 KrisFlyer Mile for every Ringgit Spent! This is really as good as the fabulous Maybank 2 Card Premier where we can earn 1 KrisFlyer Mile with every RM0.954 spent. Considering the fact that Malaysia Airlines nowadays has terminated so many of their routes, we now have to look at other airlines for our desired destinations. So I thought I should also share with you guys this good news and do a mini review of the Maybank KrisFlyer AMEX Gold Credit Card.

Singapore Airlines KrisFlyer American Express Gold Credit Card Review

Singapore Airlines KrisFlyer American Express® Gold Credit Card Mini Review

Annual Fee: 1st year fee-waiver. subsequent years RM250 (principal) / RM125 (supplementary). However, Maybank will waive the annual fee if you request for it on condition you spend x amount. So call Maybank Customer Service and ask before applying for the card.

Minimum annual income: RM48,000

Benefits:

  • Earn 2 KrisFlyer miles for every RM2 spent when you purchase tickets online at http://www.singaporeair.com. Valid for flights originating from Malaysia only. Effective 1 May 2010.
  • Use your Card for all your purchases and earn 1 KrisFlyer mile on every RM2 spent
  • Bonus 3,000 KrisFlyer miles when you use your Card for the 1st time
  • Present your Card for complimentary access to the Plaza Premium Lounge at KLIA, KLIA2, Senai Johor Airport, Langkawi International Airport, Penang International Airport, Kuching International Airport and Kota Kinabalu International Airport.
    Kindly be informed that effective 8th March 2016, access to the Plaza Premium Lounge is now up to a maximum of 5 times per calendar year.
  • Complimentary Insurance Coverage**. Charge your travel fares to the Card to enjoy complimentary Travel Personal Accident coverage of up to RM750,000 for Singapore Airlines KrisFlyer American Express Gold Credit Cardmembers, as well as Travel Inconvenience coverage for missed connections, luggage delay and luggage loss.

Now, earning 1 KrisFlyer mile on every RM2 spent is not much different from the FREE FOR LIFE Maybank 2 Cards Gold AMEX where you also earn 5X Treats Points for every RM1 spent locally or overseas where 10600 TP = 1,000 KrisFLyer Miles. BUT there is one big different between these 2 cards, the Maybank 2 Cards Gold AMEX only earns you 2X TP for Insurance, Education and Government Related  Transactions whereas you will earn 1 KrisFlyer Mile for every RM2 spent on these said transactions!!!

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A Little Bit Of This and A Little Bit Of That – Volume II Chapter 1

A Little Bit Of This and A Little Bit Of That by GenX @ http://www.GenXGenYGenZ.com

Update September 2016 – Upgrading Economy Class to Business Class KL/Melbourne

Prelude – If you have yet to take my Comprehensive Tutorial on The Best Credit Cards for Redeeming Frequent Flyer (Enrich, KrisFlyer and Asia Miles) where you can redeem FREE flights with Malaysia Airlines, American Airlines, British Airway, Qantas, Qatar, Singapore Airlines and Cathay Pacific, please do not proceed to take this Advance Tutorial. First of all, you need to learn which credit card you should be holding to optimize earning Frequent Flyer Miles by clicking on the link below:

Comprehensive Review of The Best Credit Cards for Redeeming Frequent Flyer Miles – Enrich Miles and KrisFlyer Miles

Bragging Rights Europe 2016 Business Class Honda Limited Edition

INTRODUCTION

I am well known for producing freaking long winded but damn good quality articles; and if you are a regular reader of mine, you just can’t get enough of them right? Hahaha. This article covers many subjects and as usual, you are sure to learn a thing or two………… or maybe nothing at all. And since this is my blog, in order to allow you to see and comprehend where I am coming from, it is only naturally that I also share and touch on matters relating to my personal life that gives me “shiok sendiri” sensations, i.e. Bragging Rights, hahaha.

Many of you are aware that I have been using my credit cards’ reward points to redeem Enrich Miles for the last 3 years or so. With the FREE Enrich Miles earned from my credit card transactions, I have redeemed FREE Business Class air tickets to/from Los Angeles for my eldest son and to/from Europe for my dad, mum, wife, eldest son, eldest daughter, sister and myself worth more than RM100K.

I have published many articles relating to Enrich Miles, but the most recent are as follows:

GenX Paris New York London 2014 200Click here to read my article titled My Paris, New York and London Trip 2014. This article covers many topics and may be useful for those who are intending to visit London, Paris and New York. Thanks to my lucky star, I managed to redeem 2 FREE Return Business Class tickets KL/Europe when Enrich Miles was having a 50% Sale! Yes, the best time to redeem your Enrich Miles for FREE ticket(s) is when Enrich Miles is having a Sale.

SONY DSC

Click here to read my article titled My London Trip 2015. In this article you will learn that it may be cheaper to get an Oyster Card for the Tube instead of buying a Day-Ticket. And where you can get fantastic Indian food in London which also happens to be the 1st Indian Restaurant in the world to be awarded a Michelin Star.

As you are aware by now, I just went to London again in 2015 with my uncle and it was kind of boring since it was my second trip there. The thing is, I have to go again this year! The story is like this…..

Back in 2013, my eldest daughter started her undergraduate degree in Melbourne where the university is ranked amongst the World’s Top 10 Pharmacy Universities. And since the cost of boarding is freaking expensive in Melbourne (single bedroom apartment in Melbourne CBD can cost around AUD320/week), I thought I might as well send my two younger children to attend high school in Melbourne too and pay a little bit more in rent. But my two younger children need a maid as they can’t cook and they are so spoiled that they will never ever vacuum the floor or clean the toilet; therefore, I had no choice but to send a maid there to do the housework. And you guys know lah, I am very blessed, my children’s maid works for FREE and she is pretty, intelligent, bloody good cook and also happens to be my loving wife, hahaha.

My youngest Dragon daughter was given the very first iPad when it was launched back in 2010 (when she was 10 years old) and as such was exposed to God knows what kind of information, so much so, she thinks she’s the smartest person on earth.

My Dragon daughter started Year 7 in a Private High School in Melbourne back in late January 2013. Then came year end, we were invited to her school prize giving day, which initially we declined as we were flying back to KL that same night. But luckily we went as she was nominated for 6 Awards and won awards for Maths, Science and to everyone’s astonishment even Performing Arts (the crowd went WOW! Unexpected for an Asian I guess, hahaha). And the climax was she won the Year 7 Dux Title (DUX – from the Latin word meaning leader or from the English Dictionary top pupil of his/her class/school).

Click here to read my article My Bragging Right 2014 – where I also bragged about my eldest son being accepted into an Ivy League University, my eldest daughter who is forever watching KPop managed to get an ATAR score of 99.x and got High Distinction for all her subjects in her Uni 1st year (and was subsequently given a scholarship for her 2nd year) and my second son who was in Year 10 in a private high school also got straight As and won himself a scholarship for Year 11.

And in 2014, my youngest daughter won a place into the Best High School in the entire state of Victoria for Year 9. She sat for an entrance exam while still in Year 8 sometime in late 2014 where she had to compete with more than 4000 other students. But, initially, she refused to go to this new school in 2015! She had spent close to 2 years in her previous private high school and have made many friends and is well liked by the teachers. Heck, not everyone has the privilege and brains to enter this new school where more than half the Year 12 students achieved ATAR score of above 95 and 80% of the students score ATAR Score above 90 every single year! So, I was not going to let this opportunity of her attending the best high school in Melbourne slip away. But, like I said, she thinks she is smarter than me and equally stubborn as me too. So, in order for both of us to have a win-win situation (boy, nowadays, not only do we need to feed our children but we as parents also have to treat them like our business associates), I offered her a new iPhone 6 and in return she would go to the new school. But she refused to accept my very generous offer! So, to up my offer, I offered her a trip to Europe (London & Paris) on Business Class in 2016 and after a few days, she finally accepted my offer and started Year 9 in this new school. Well, I am pleased to say that she is now in Year 10 and has adapted well in her new school and have made new friends and more importantly to me, she received an excellence award too on prize giving day in December 2015 (for her Year 9 where is competing with the best of the best students in Victoria unlike in Year 7 and 8).

To read more about my children education achievements and matters relating to education, please read the below articles:

Children Education Path – which type of primary or secondary school (government, private, International or Chinese) your child attends is not really of any importance as all of them will lead you to the same Top 100 universities on earth! By attending the best university also does not guarantee that our children will be “successful” in life. The things that guarantee our children succeed in life is their attitude which is moulded from his/her surroundings, the people they mix with and the most important and only significant thing is – one of the parents have to play the role of tiger mum or dad, hahaha.

Having a smart child also gives the parent(s) a headache. Good quality education that enables your child to work anywhere on earth is not cheap. If you are currently (or soon to be) a young parent, I would seriously suggest you stop burning money on materialist stuff and not opt for 0% installment plan with credit cards for stuff which will be obsolete (e.g. smartphone) but instead invest whatever money you have (tip – I have been reiterating – if Maybank goes below RM4, buy buy buy) so that when the time comes you are able to provide a quality education for your child.

The major set back of sending our children to a world class university is that they may be working half way around the world leaving us all alone when we are old and useless!

Last but not least, in the above mentioned article I disclosed the secret/foundation as to why my siblings (my two sisters attended very prestigious universities in the USA) and my children are “smart” plus where I got my sick imagination from, haha.

My Bragging Rights 2013 – In this article I mentioned that my eldest son and daughter both scored 10As in their SPM and both were accepted into Top Universities in USA even before their SPM results were out. My second son and youngest daughter both scored straight As for their PMR and UPSR respectively and both of them did not even attend a single tuition class!

My Bragging Rights 2014

My Bragging Rights 2015

My Bragging Rights 2016. In this article I once again mentioned that I have reached the pinnacle as for as collecting credit cards are concerned. I am now collecting Spirits, i.e. Cognac and Degrees.

UPDATE – I am proud to inform the world that my second son who is addicted to Online PC Games has been accepted into a World’s Top 50 Uni for Accounting 🙂 Once again here are my latest bragging rights:

My Eldest Son: Bachelor of Engineering from a Top 10 USA Engineering Uni & Master of Engineering from an Ivy League Uni. Currently he is in his second year pursuing his third degree, Doctor of Medicine (M.D) degree, in a World Top 50 Uni for Medicine in Australia. Update July 2016 – my son’s Uni is still ranked in the Top 50 in the world for medicine in 2016 by both Times and QS.

My Eldest Daughter: In her final year pursuing a Pharmacy Degree in a Uni ranked in the World’s Top 10 for Pharmacy in 2012, 2013 and 2014; but their ranking dropped in 2015 and now only World’s Top 20, hahaha. Update July 2016 – for 2016. QS ranked her Uni Top 4 in the world for Pharmacy!!!

My Second Son: Just entered uni pursuing a four years Double Degree program majoring in Accounting and the second major to be decided next year in a World’s Top 50 Uni for Accounting. Update July 2016 – my son’s Uni is now ranked Top 30 in the world for for Accounting. And I am happy to report for his 1st semester, he scored High Distinctions for all his subjects.

My Youngest Dragon GenZ Daughter: Year 10 in the Best High School in Melbourne and the entire state of Victoria, Australia. I am not kidding, in 2015, her school is the No.1 in the entire state of Victoria where 508 students sat for the Year 12 Victoria Certificate of Education (VCE) and the ATAR median score was 94.87!!!

My Pride and Joy Who Also Makes Me Poorer By The Day – I have accepted the fact that I can’t take my money to the grave; as such, I have no qualms about spending my money on my children’s education and furthermore it is them spending their future inheritance anyway, and it’s for their own good.

A Little Bit Of This and A Little Bit OF That – Volume I, Chapter VI – in this article I will tell you why the GenYs are so smart and who is responsible for it.

Coming back to the Europe trip in 2016 –

Why I offered my youngest daughter the trip to Europe in 2016? Two reasons. Firstly, I have to accumulate 382,500 (127,500 EM x 3) Enrich Miles in order to redeem for 3 return tickets KL/Europe – i.e. for my youngest daughter, my darling wife and me. Secondly, it can also be considered as her sixteenth birthday present 🙂

As of mid last year, I have already accumulated enough Enrich Miles for 4 return tickets to Europe on Business Class. But I did redeem one return Business Class KL/London to accompany my uncle to London in September 2015. Therefore, I still have enough Enrich Miles to redeem 3 return Business Class tickets KL/Europe.

Last December while having dinner with my children in Melbourne, we were talking about the trip to Europe next year; and out of the blue my wife said that my second son should go too (he’s attending uni in Feb 2016 and will have a month break in June/July) ). Then my second daughter also said she wanted to go as she has yet to visit London (she has been to Paris).

Well, to me, it is good that all of us go to Europe together as a family because time flies and soon all of them will be working or have a families of their own. But I wasn’t sure if I could accumulate enough Enrich Miles to redeem 5 return Business Class tickets KL/Europe. So I told my two older children that they will need to fly there on Economy and they agreed.

Actually, as of December 2015, I do have enough Enrich Miles to redeem for 3 return Business Class tickets KL/Europe and have a balance of at least 80K Enrich Miles. This means I will be able to upgrade my other two children to Business Class but one way only (40K Enrich Miles for one ticket one way). And in December last year, my wife had about 10K Enrich Miles but 5K was expiring, so I transferred all of them to my Enrich Account.

Sometime in Mid-February 2016, 2 of my older children paid for their 1st term Uni tuition fees with their supplementary Maybank 2 Cards Premier Visa Infinite. And fortunately, Enrich is currently having a promotion until end of February 2016 where we will earn 10% Extra Enrich Miles when we convert of credit cards’ reward points to Enrich Miles.

So on 19th February 2016, I called Maybank Premier Customer Service Toll Free Line to convert all my Treats Points to Enrich Miles. And when I checked on 21st February 2016, the Enrich Miles have been credited. I tell you, Maybank is really freaking efficient and I really like their excellent service. This is not the first time Maybank has credited the Enrich Miles into my account in less than a week, but every single time in the past. Not only that, click here to read my article titled A Little Bit Of This and A Little Bit Of That – Volume I, Chapter IV, where I mentioned I wanted to buy a Rolex GMT Master II Batman and called Maybank just before lunch to request for a second Temporary Increase in Credit Limit of RM50K (they have already approved a Temporary Increase of CL of RM30K weeks earlier) and they called me back just before dinner on the same day to inform me that my request had been approved!!!

Coming back to Enrich Miles, as of date, I now have about 600K Enrich Miles, which is slightly less than 637,500 Enrich Miles which are needed to redeem in full 5 return KL/London Business Class tickets 🙂

In my article titled Black Everose Rolex Yacht Master Versus BMW 118i F20 LCI Facelift (click here to read it) published back in August 2015, I mentioned that initially I wanted to get my eldest son a second hand car, but one thing lead to another, and I finally negotiated with a BMW salesman and was about to pay the deposit for a new BMW 118i for him. Only then did he tell his housemate that he was getting a car AND guess what? His housemate was also getting a car and they only had one covered car park allocated to both of them! So I wasted more than a week’s time and effort negotiating with salesmen from Honda, Mazda, Mercedes Benz, Mini  and BMW for nothing. And in the Conclusion I asked my readers’ opinions if I should buy the new Rolex Everose Black Yacht Master for myself or a BMW for my son?

Well, my son has moved to another apartment this year and this time he booked the covered car park. However, since I did not buy the BMW 118i for him last year, I have used some of the money to buy more GIA certified diamonds and a new Rolex watch for my wife, hahaha. So, this time I only gave him a budget of AUD20K (half of the BMW 118i price).

And as I am drafting this article (started on 23rd February 2016), my son is currently at the Honda Dealership paying for his new Honda Limited Edition City with his Supplementary Visa Infinite and I just received an SMS alerting me that he has made payment for his new car. This means, in a couple of days time when the transaction is posted into my Maybank 2 Cards Premier Account, I will have enough Enrich Miles (converted from the new Treats Points) to redeem for 5 FULL return KL/London Business Class tickets 🙂

So, today’s FREE lessons are as follows:

1. Cost of transferring Enrich Miles from one account to another and cost to purchase Enrich Miles from Malaysia Airlines Berhad.

2. What options you have if you are short of Enrich Miles to Redeem in FULL for a Business Class Ticket.

3. What you must do first if you want to upgrade an Economy Class ticket to Business Class.

4. Advantage of using Cash + Miles versus Upgrade Economy to Business Class.

5. Is it cheaper to upgrade an Economy Class ticket to Business Class using Enrich Miles OR Redeem in Full for a Business Class ticket.

By performing the above analysis, it will also assist me to determine what is the best option for my coming Europe Trip 2016.

Now, if you are not aware, there was an Enrich Sale recently for Travel Period up to 20th May 2016 where one can upgrade to Business Class and get minimum 30% Discount. However, I did not get to enjoy the discount as we only intend to fly to Europe in June/July when my youngest daughter has her mid-year high school break.

Enrich Miles Discount London

FYI, June/July is peak period (summer in the Northern Hemisphere) and as such, the price of Economy Class ticket KL/London is higher than most other period.

Bragging Rights Europe 2016 and Enrich Miles Redemption KL London

Lesson No.1 – COST OF TRANSFERRING AND PURCHASING ENRICH MILES

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My Hong Kong & Macau Trip 2016

INTRODUCTION

I just returned from Macau a few days ago. It was my third trip to Macau.

The first time I visited Macau was in 2011 and I published an article about it at my Ringgit Wise Fool blog. That article was pretty long as I tried to share as much info for those who intend to visit Macau. I posted many photos in that article including the rooms I stayed at in Grand Lisboa and The Venetian. Actually, I stayed in 3 different hotels for the 3 nights I was there, hahaha. The other hotel was Best Western Sun Sun (located near Senado Square) which was clean and pretty cheap but the room was really tiny compared to Grand Lisboa and The Venetian.

The second time I went to Macau and Hong Kong was in November 2012 and I wrote a freaking long article about it. It was full of very informative stuff and I published it at genxgenygenz.blogspot BUT google deleted that blog because they claim it was generated by a non-human! This said blog is now online again but it does not belong to me!!!

For this article, I won’t be as detailed as my previous articles on Macau but will highlight to you information that may (or may not) benefit you.

This time I visited Macau with a friend who has been there many times and as such he took me to restaurants in Macau which I most likely would not have visited. However, in Hong Kong I took him to 2 famous restaurants which he has never tried.

I flew to Macau with AirAsia where I used my Maybank 2 Cards Premier AMEX Reserve to pay for my wife’s and my tickets and get to earn 1 Enrich Mile for every Ringgit spent on my AirAsia ticket 🙂 And for my hotel rooms, I will book with Agoda (most of the time) and also use my Maybank 2 Cards Premier AMEX Reserve and once again earn 1 Enrich Miles for every RM1 spent.

FREE MAKAN & DRINK AT GREEN MARKET KLIA 2 WITH CREDIT CARDS

As of January 2016, less credit cards are allowed FREE makan at the Green Market (opposite Dome in the Check In Hall) compared to the last time I was there. Last year, I still could use my RHB Visa Premier Debit Card and RHB Platinum Visa Credit Card, but it’s no longer the case. Below is a photo showing you the cards that allows you the privilege of FREE makan at the Green Market @ KLIA 2. FYI, Priority Pass Membership Card is not welcome at the Green Market but you can enter the 3 Plaza Premium Lounges in KLIA 2 with it.

Green Market KLIA 2

Green Market KLIA 2 Menu Credit Card

Green Market KLIA 2 rice and coffee

HONG KONG & MACAU TRIP

We reached Macau in the evening and stayed 3 nights in Macau and took a day trip to Hong Kong. We took the TurboJet from Macau to Kong Kong and back where each trip cost about HKD160-180.

My Macau Hong Kong Trip 2016

HARD ROCK HOTEL – CITY OF DREAMS MACAU

The room I stayed in was a smoking room:) But I can tell you the stench from burned tobacco was strong unlike the smoking rooms I stayed in at The Venetian and Grand Lisboa which did not have this problem. As for the room itself, it is not as luxurious as Grand Lisboa or The Venetian but for the price I paid, I have nothing to complain and I will just show you some photos.

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