Introduction
This review is part of my Best Top Credit Cards in Malaysia 2025 where I have listed down the best credit cards for different purposes/spending patterns.
If you are new to credit cards, I recommend that you click here first read my article titled Prelude To The Best Top Credit Cards in Malaysia 2025.
And the above said article, you will find a link to my Credit Card Tutorial 101 where you are told the basics of owning credit cards as there are risk associated with owning a credit card. Then again in my Prelude to The Best Top Credit Cards in Malaysia I also told you the risk of having a Visa or MasterCard Debit Card and why you should use Prepaid Cards even if you have credit cards.
This article is good for those who do spend RM5K per month.
Seriously, if you only spend RM2K or max RM3K per month, best you play Cash Back Credit Cards.
The annual income requirement for the Maybank KrisFlyer AMEX is RM60K per year and the annual fee is RM300 (just call Maybank Customer Service yearly to beg for the annual fee to be waived after the first year).
Singapore Airlines KrisFlyer American Express® Platinum Credit Card Review
FREE KrisFlyer miles
- 1 KrisFlyer mile for every RM 2.5 spent locally (over the counter or auto debit);
- 1 KrisFlyer mile for every RM2 spent on online and overseas transactions; and
- 1 KrisFlyer mile for every RM1 spent on Singapore Airlines, Scoot & KrisShop website.
As far as earning KrisFlyer Miles from local spending is concerned, this Maybank KrisFlyer PlatinumAMEX is better than Maybank 2 Cards Premier AMEX Reserve!
The first reason why the Maybank KrisFlyer Platinum AMEX is better than Maybank 2 Cards Premier is because the useless Maybank 2 Cards AMEX Reserve only earns you 1 KrisFlyer Mile for every RM5 spent locally!
Complimentary Access at Plaza Premium Lounge
- 5X complimentary access to Plaza Premium Lounge, per annum – subject to TnC so check latest TnC come 1st January 2025 plus also announcement at M2U. Effective 1st November you can enter Travel Club Lounge for Principle Card only.
The second reason why the Maybank KrisFlyer Platinum AMEX is better than Maybank 2 Cards Premier AME Reserve is because the AMEX Reserve does not allows you any FREE entries to airport lounges but the Singapore Airlines KrisFlyer AMEX does! Well, some blur people will tell you the Maybank 2 Cards Premier allows you FREE entries to airport lounges but they don’t understand that it only applies to the Visa Infinite.
Automatic KrisFlyer Miles Credited Monthly To Your KrisFlyer Account
The third reason why the Maybank KrisFlyer Platinum AMEX is better than Maybank credit cards that earn you Treats Points is that whatever KrisFlyer Miles you earn from the Maybank KrisFlyer Platinum AMEX will be automatically credited into your KrisFLyer Account unlike Maybank credit cards that earn you Treats Points where you have to stay up in the middle of the night so that on the 1st day of the month you may (not guaranteed) get to convert your Treats Points to Air Miles!!!
Earning KrisFlyer Miles with your Maybank KrisFlyer Platinum AMEX
Just like any other Maybank’s credit cards, you earn nothing from transactions related to JomPay, FPX, Government and Topping Up eWallets.
Now please differentiate between topping up Grab Wallet, Lazada Wallet, Shopee Wallet and other eWallet versus using your Maybank KF Platinum AMEX to pay directly for Grab Rides, Grab Food, Lazada and Shopee where you do earn 1 KF Mile for evert RM2 spent ONLINE!
In respect to the above, if you are still blur, what it means is that you will earn 1 KrisFlyer Mile for every RM2 spent Online with the Maybank Singapore Airlines KrisFlyer Platinum AMEX when you select the card as Payment Method for Grab Rides, Grab Food, Lazada (Can pay bills including IWK, Water & East Malaysia Electricity) and Shopee.
And you will also earn 1 KrisFlyer Mile for every RM2 spent when you pay your TNB Bills online and also when booking Malaysia Airlines tickets online!
For petrol, well you can also purchase Petrol Vouchers at Lazada or Shopee where you will earn 1 KrisFlyer Mile for every RM2 spent online. However, if you use the Maybank Singapore Airlines KrisFlyer Platinum AMEX at the Petrol Kiosk you will only earn 1 KrisFlyer Mile for every RM2.50 spent.
Once again, in respect to the above, for accumulating KrisFlyer Miles, the Maybank KF Platinum AMEX is better than AMEX Reserve for pumping petrol!
Conclusion
I tell you, if you do not have an Exclusive Credit Card (i.e. annual income more than RM180K), this Singapore Airlines KrisFlyer American Express® Platinum Credit Card is better than any Premier Credit Card (annual income less than RM180K) out there for local spending IF AND ONLY IF you are into KrisFlyer Miles.
Just like the Maybank 2 Gold/Platinum Cards AMEX, the Singapore Airlines KrisFlyer AMEX Platinum is a great credit card for essential expenses, i.e. Petrol, TNB, Lazada (where you can also pay Water and IWK besides East Malaysia Electricity, PostPaid, PrePaid and etc), Shopee (Milk and etc), Telcos (Celcom, DiGi and Maxis), Departmental Stores, Jaya Grocer Hank’s and etc.
A Bro shared during my recent Air Miles Dinner Gathering that if your KrisFlyer AMEX Statement Date falls on say 31st of every month, then the KrisFlyer Miles may not be auto-credited in months where there is no 31st and February! Therefore if your Statement Date falls between 28th to 31st of each month, then you better change it to 1st of every month and you can simply just call CS.
The beauty part of having any AMEX card is you get to call CS Toll-Free and I have reiterated over and over again to only call the number behind your card. But for whatever reason you have no access to your card because it was stolen, AMEX Toll Free number is 1800-88-1801 if and only if you are calling in Malaysia.
If you can spend RM5K per month online with the Singapore Airlines KrisFlyer American Express® Platinum Credit Card, you will earn 30K KrisFlyer Miles per year. In 2 years and 3 years time, you would have earned yourself 60K and 90K KrisFlyer Miles respectively where you can experience Business Class or First Class for FREE!
As I mentioned, the Singapore Airlines KrisFlyer American Express® Platinum Credit Card is for KrisFlyer fans. If you have no intention (example – you tell yoursef you are busy with work or children) to fly with Singapore Airlines within the next 2 years then this said card may not be for you. This is because once the KrisFlyer Miles are credited, it will only be good for 3 years starting from the day the KrisFlyer Miles were credited before it expire. And in2 to 3 years time, you can expect Maybank and Singapore Airlines to inflate/revise their redemption program or TnC/benefits.
And why I did not mentioned Singapore Airlines KrisFlyer American Express® GOLD Credit Card? Because it only earns you 1 KF Mile for every RM4 spent locally…… go read my review of the Maybank 2 Gold Cards AMEX!
GenX GenY GenZ 
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