Previously in Part I where I used ChatGPT to check the benefits of Maybank 2 Cards Premier and Maybank Singapore Airlines KrisFlyer AMEX Platinum, it can be observed that some of the info are obsolete and the answers from ChatGPT are very general.
But just like Google when you are doing a search, you must ask the right question so that you get an accurate reply.
So this time I tried another question using ChatGPT.
Question – What is the best credit card to earn air miles in Malaysia
ChatGPT Answer:
If you’re looking to earn air miles in Malaysia, several credit cards offer attractive rewards tailored to different spending habits and income levels. Here’s a curated list of top air miles credit cards to consider:
🏆 Top Air Miles Credit Cards in Malaysia
1. HSBC TravelOne Credit Card
- Rewards: Up to 8X reward points for overseas spend; 5X for local travel and dining.
- Air Miles Conversion: Points can be converted to AirAsia BIG Points, KrisFlyer Miles, Asia Miles, and MAS Enrich Points.
- Travel Perks: 6x access to Plaza Premium Lounges; travel insurance coverage up to USD 250,000.
- Income Requirement: RM5,000/month.
- Annual Fee: RM300.
- Best For: Frequent travelers seeking versatile point conversions.
2. UOB PRVI Miles Card
- Rewards: 5X UNIRinggit points on travel, overseas, and airline-related spend.
- Air Miles Conversion: Points can be redeemed for AirAsia BIG Points, KrisFlyer Miles, and Asia Miles.
- Travel Perks: 50% off Grab rides (up to RM10 per ride); bonus points for retail spending.
- Income Requirement: RM5,000/month.
- Annual Fee: RM198.
- Best For: Those who prefer flexible point redemption options.
3. Maybank 2 Cards Premier
- Rewards: 5 TreatsPoints (TP) per RM1 spent locally and overseas on the American Express card; 2 TP on the Visa Infinite card.
- Air Miles Conversion: 1,000 Enrich Miles for every RM1,000 spent.
- Income Requirement: RM100,000/year.
- Annual Fee: RM800 (waived for the first year and with minimum spend of RM80,000 per year subsequently).
- Best For: High-income earners seeking premium travel rewards.
4. CIMB Travel Platinum
- Rewards: 5X Bonus Points for overseas and airline-related spend; 2X for local spend.
- Air Miles Conversion: 1,000 AirAsia BIG Points for every 8,000 Bonus Points.
- Travel Perks: 4x complimentary access to Plaza Premium Lounges; travel insurance coverage up to RM1,000,000.
- Income Requirement: RM2,000/month.
- Annual Fee: Free for life.
- Best For: Budget-conscious travelers seeking value in air miles accumulation.
5. Standard Chartered Journey Credit Card
- Rewards: 5X Miles on travel, dining, and overseas spend.
- Air Miles Conversion: Every 2 Miles points equal 1 AirMile.
- Travel Perks: Unlimited access to Plaza Premium Lounges at KLIA; complimentary airport transfer via Grab.
- Income Requirement: RM7,500/month.
- Annual Fee: RM600.
- Best For: Frequent travelers who value lounge access and airport conveniences.
💡 Tips for Maximizing Air Miles
- Understand Conversion Rates: Different cards offer varying conversion rates to air miles. For instance, Maybank 2 Cards Premier offers 1,000 Enrich Miles for every RM1,000 spent, which is among the best rates available.
- Leverage Bonus Categories: Cards like UOB PRVI Miles and HSBC TravelOne offer higher points for specific spending categories such as overseas purchases and dining.
- Utilize Travel Perks: Access to airport lounges and travel insurance can enhance your travel experience and provide added value.
- Monitor Spending Limits: Be aware of any caps on bonus points for certain categories to optimize your spending strategy.
Each of these credit cards offers unique benefits tailored to different travel preferences and spending habits. Consider your personal travel patterns and financial situation to choose the card that best aligns with your needs.
GenX’s Comments to ChatGPT answer above:
I have produced a review of the HSBC TravelOne Credit Card back in June 2023.
Click here to read yours truly’s HSBC TravelOne MasterCard Review on YouTube too.
Even back in 2023, the conversion rate for air miles was not good with HSBC (never was). Today I have no idea if HSBC inflated their Rewards Redemption Program since 2023 and I am not wasting my time being a fool to go find out.
As for the UOB PRVI Miles Card mentioned by ChatGPT, this said card is also kind of obsolete! Instead you should be holding either an UOB PRVI MILES ELITE Card or UOB Visa Infinite which will both earn you twice as much air miles from overseas spending.
Click here Revision To UOB Credit Cards Air Miles Conversion Effective 23rd September 2024
As for Maybank 2 Cards Premier, I have reiterated over and over again that is is almost useless for Local Spending since December 2023 and if you want a card for overseas spending then get the UOB PRVI MILES ELITE or UOB Visa Infinite.
As for Standard Chartered Journey Credit Card, first you need to understand you are earning 5 Miles per RM1 spent overseas which DOES NOT EQUATE TO AIR MILES! I am not going to waste my time on this said card as there are many other credit cards that earn you air miles quicker with less spending. Only blur people who do not know esxaclt how much they are spending to earn 1 air mile will tell you that the SCB Journey is good, hahaha.
CIMB TRAVEL PLATINUM MASTERCARD QUICK REVIEW
Now ChatGPT may actually be kind of accurate for the CIMB Travel Platinum because the card is FREE FOR LIFE, and that is why I still have it, haha.
And based on the latest benefits stated at CIMB website for the CIMB Travel Platinum, it is kind of good for a FREE FOR LIFE credit card! So, I thought I do a quick review of the card.
You can earn 5X Bonus Points for every RM1 spent overseas BUT the problem with CIMB Credit Cards is that they have monthly quota capping for this and that categories! That’s why I gave up my CIMB Travel World Elite as I can’t be tracking if my expenses have hit the max capping for each category!
From the above image, it is stated that 50K to 100K capping for selected merchants. So I went to search the capping and found below:
From the above, how the heck I know the MCC Codes of merchants, hahaha. Another super important thing – Autodebit earns nothing with CIMB Credit Cards. So if you autodebit your Insurance Premium you will earn nothing!
I tell you, the CIMB capping on bonus points for different categories is a joke, because those with World Travel Elite will hit the cap with less spending, haha.
So how much you need to spend to earn 1 Enrich Point with the CIMB Travel Platinum?
The conversion rate is 62,500 Bonus Points = 5K Enrich Points. Therefore with 5X Bonus Points for every RM1 spent overseas, you will earn 1 Enrich Point for every RM2.50 spent. You go tell me if this is good compared to UOB PRVI MILES ELITE or UOB Visa Infinite which earn you KrisFlyer Miles with less spending!
As for Local Spending where you will earn 1X Bonus Point, it means you earn 1 Enrich Point for every RM12.50 spent which is ridiculous and that why you should hold the right credit card.
Well you are suppose to get Lounge Access for FREE but you better check if you need to spend RMX amount but what is interesting is that it is stated Exclusive Shuttle according to CIMB Website so ask what is this!
The CIMB Travel Platinum is FREE FOR LIFE and I have reiterated over and over again you must have a FREE FOR LIFE credit card with a specific bank as you never know they may launch a new credit card with fantastic features to entice people to sign up.
CONCLUSION
Once again, AI just gathers information from many website as far as Credit Cards are concerned. And some of the website recommends certain credit cards as they get commission unlike GenX GenY GenZ which reviews credit cards and promote certain credit cards for FREE and stupidly earning nothing, haha.
As mentioned in my article The Best Credit Cards in Malaysia 2025, I have recommended what credit cards are good for accumulating air miles if you annual income is less than RM120K per year. If you are earning close or more than RM200K, then it is a totally different ball game.
https://genxgenygenz.com/2024/10/18/the-best-top-credit-cards-in-malaysia-2025/Click here to read The Best Top Credit Cards in Malaysia 2025
GenX GenY GenZ 
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