Top 5 Malaysian Credit Card Best for Travel Points 💳

As a pet parent, you cherish the adventures you embark on with your furry kids. Whether it's a weekend getaway or an international excursion, choosing the right credit card for travel rewards is crucial. In this blog post, we will delve into the best travel credit cards in Malaysia, ensuring you make informed decisions for your future travels. Plus, we have an exciting announcement for all travel enthusiasts - the newly launched Oyen Travel Insurance, designed to protect you and your furry companions during your journeys!

Factors to Consider When Choosing a Travel Rewards Credit Card

When selecting a travel credit card, several factors should guide your decision. Here are some key considerations:

Rewards Program

One of the key considerations is the rewards program offered by the credit card. The rewards program determines how you can earn and redeem points or miles. Look for a program that aligns with your travel preferences and offers flexible redemption options. Whether it's earning airline miles for free flights, accumulating points for hotel stays, or cashback on travel expenses, choose a rewards program that suits your needs and offers the most value.

Sign-up Bonus

In addition to the rewards program, pay attention to the sign-up bonus offered by the credit card. Many travel credit cards entice new customers with generous sign-up bonuses that can jumpstart your travel rewards. Consider the amount of the bonus and the requirements you need to meet to earn it. Some cards may require you to spend a certain amount within a specific timeframe, so make sure it aligns with your spending habits.

Annual Fee

Another crucial factor is the annual fee associated with the travel credit card. While some cards may have an annual fee, they often provide exclusive benefits that can enhance your travel experience. These benefits may include travel insurance coverage, airport lounge access, concierge services, or even complimentary upgrades. Assess the annual fee against the perks offered to determine if they justify the cost and align with your travel habits.

Foreign Transaction Fees

For frequent travellers, it's important to take into account foreign transaction fees. If you frequently travel abroad, prioritize credit cards that have low or no foreign transaction fees. These fees can add up quickly and significantly impact your overall travel expenses. By choosing a card with low foreign transaction fees, you can save money and have more funds to spend on your furry kids' adventures.

Additional Perks Specific to Travel-related Expenses

Beyond the standard considerations, explore the additional perks that come with a credit card. These perks can enhance your overall travel experience and make your journeys more enjoyable. Look for benefits such as travel insurance coverage that protects you and your pets during your trips. Complimentary airport lounge access can provide a comfortable and relaxing space while you wait for your flights. Some credit cards also offer special promotions and discounts for travel-related expenses such as hotel bookings, car rentals, or dining. Consider these additional perks and determine which ones are most valuable to you as a pet parent and frequent traveller.

Top 5 Credit Cards for Travel Points in Malaysia

Based on the factors mentioned above, let's dive into a closer look at some of the best travel credit cards available in Malaysia. These credit cards are specifically designed to cater to the needs of frequent travellers, offering attractive programs, bonuses, fees, and a range of additional perks to enhance your travel experience:

‍Maybank 2 Cards Premier:

• Rewards Program: Cardholders can earn TreatsPoints for every ringgit spent locally and overseas. These points can be converted into airline miles or redeemed for travel vouchers: 

• Earn 5x Treatspoints for every RM1 spent locally
• Earn 5x Treatspoints for every RM1 spent overseas
• Earn 1x Treatspoints on all transactions for utilities, education, EzyPay and insurance transactions
• 7,000 TreatsPoints/ Membership RewardsTM points = 1,000 Enrich/KrisFlyer/Asia Miles.

• Sign-up Bonus: 10,000 TreatsPoints upon the first spend. (Applicable only for Principal Card New Applicant)
• Annual Fee: First year: Free; Subsequent years: RM800
• Travel Insurance Coverage: Complimentary Accidental Death and Disablement coverage of up to RM1,000,000 for the American Express Reserve card as well as travel inconvenience coverage for missed connections, luggage delay and luggage loss when you charge your travel fares to the card.
• Other Perks: Dining and golf privileges. 

For more information, please click the link here.

Hong Leong AirAsia Gold Visa:

• Rewards Program: Convert daily spending to air miles

• RM1 = 6 BiG Points for AirAsia flight ticket purchase
• Get 3,000 points as Welcome Bonus
• Get 3,000 points as Quarterly Bonus
• Flexi payment plan for up to 36 months

• Sign-up Bonus: Get 3,000 Welcome BIG Points when you spend a minimum of RM1,500 in the first 60 days from the card's approval date. Additional 3,000 BIG Points per quarter with a minimum spend of RM3,000 per calendar quarter.
• Annual Fee: RM200 primary card. First-year free waived when a minimum 1 swipe is within 45 days from the card issuance date.RM80 supplementary card.

For more information, please click the link here.

‍UOB PRVI Miles Card:

• Rewards Program: Convert your accumulated UNIRinggit to air miles with over 60 notable partner airlines which include AirAsia (BiG Points), Cathay Pacific (Asia Miles), Malaysia Airlines (Enrich Miles) and Singapore Airlines (KrisFlyer Miles), plus other rewards such as lifestyle products, gift vouchers and more. Not to mention, exclusive travel deals from The Travel Insider and other participating merchants.

• 5 points on every RM1 on overseas, airlines, hotels and travel agencies spending
• 1 point on every RM1 on other spends
• 2000 points on every RM10 for 3X retail spends per month (T&C apply)

• Annual Fee: RM198 primary card; RM30 supplementary card.
• Other Perks: 50% off Grab Rides; 2,000 UNIRiggit; Additional 2,000 UNIRinggit per Month; 0% Easi-Payment Plan for Education and Overseas; eCommerce Purchase Protection.

For more information, please click the link here.

‍RHB World MasterCard Credit Card:

• Rewards Program: 5x complimentary access and 25% discount for all accompanying guests to participating Plaza Premium Lounges/Aerotel in Malaysia. For the sixth visit onward to the lounges in Malaysia, you'll get a 25% discount on the walk-in rate as well. On top of that, enjoy a special 20% discount at Plaza Premium Lounges around the world (except Shanghai and Beijing). Also, complement your journey with free travel insurance coverage of RM600,000 for peace of mind.
• Annual Fee: RM 0.00.
• Other Perks: Earn up to 6% cashback every month on local petrol, travel and dining spending (excluding cash advance, charity, overseas petrol and government transactions). Up to 2% cashback on all overseas retail spending.Plaza Premium Lounge and golf Privileges

For more information, please click the link here.

‍Standard Chartered WorldMiles World MasterCard

• Rewards Program: Every 2 WorldMiles Points get you 1 AirMile of your preferred frequent flyers program such as Enrich Miles, KrisFlyer Miles and others.
• Annual Fee: RM 0.00.
• Other Perks: Unlimited free access to participating Plaza Premium Lounges in KLIA and KLIA2 for principal card members with valid international boarding passes. Accompanying guest(s) will get a 20% discount on the lounge's published rates. Also, you can save up to RM80 on your Airport Limousine or KLIA Ekspres (ERL) ride home. Plus, up to USD100,000 coverage when you're travelling. 

For more information, please click the link here.

For a comprehensive comparison of the best travel credit cards in Malaysia, you can visit ringgitplus. This resource offers detailed insights into various credit cards available, helping you make an informed decision.

Comparison of Malaysia Credit Cards for Traveling

To facilitate your decision-making process, let's compare the features of the top credit cards for travel points in Malaysia. The table below outlines the pros and cons of each card. When choosing the best travel credit card for your specific needs, it ultimately depends on what you are looking for as a pet parent and frequent traveller. Each credit card mentioned above has its own set of pros and cons, offering different rewards programs, redemption options, annual fees, and additional perks. 

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It's essential to consider your travel preferences, spending habits, and priorities when making a decision. For example, if you prioritize flexibility in redemption options, the Standard Chartered WorldMiles Mastercard might be a suitable choice. On the other hand, if you frequently fly with AirAsia, the Hong Leong AirAsia Gold Visa could provide exclusive benefits and discounts. 

In addition to considering your preferences and needs, it's important to note that eligibility for certain credit cards may be based on your salaried income. Credit card issuers typically set specific income criteria to ensure that applicants have the financial means to manage credit responsibly. These income requirements vary for each credit card, and it's crucial to review them before applying. 

Take the time to assess your priorities and compare the features of each card to find the one that aligns with your travel goals and maximizes the benefits you value most.

Oyen Travel Insurance - Protecting Your Adventures

At Oyen, we recognize the importance of protecting both you and your furry companions during your travels. That's why we're thrilled to introduce our newly launched Oyen Travel Insurance! 

When you have a specific travel destination in mind, it's crucial to prioritize your peace of mind and protect yourself with reliable travel insurance. That's where Oyen Travel Insurance comes in. Oyen offers comprehensive coverage that caters specifically to the needs of pet parents and frequent travellers, ensuring you have a worry-free journey. 

With Oyen Travel Insurance, you can benefit from extensive medical coverage, protection against trip cancellations and delays, and coverage for lost or damaged luggage. Here are the three packages:

Oyen’s Wanderer Travel Insurance Coverage:

• Medical Emergencies and Other Expenses - up to RM 300,000
• Personal Accident - up to RM 250,000
• Luggage & Personal Effects - RM 5,000
• Luggage Delay - Every 6 consecutive hours - RM200 per 6 hours (Max RM800)
• Travel Cancellation - RM 18,000
• Travel Curtailment - RM 18,000
• Pet Boarding Extension - RM 200
• Travel Delay - RM200 (Max RM3,600)
• Travel Documents - RM 5,000

Oyen’s Traveller Travel Insurance Coverage (Best Choice):

• Medical Emergencies and Other Expenses - up to RM 400,000
• Personal Accident - up to RM 350,000
• Luggage & Personal Effects - RM 7,500
• Luggage Delay - Every 6 consecutive hours - RM200 per 6 hours (Max RM1,000)
• Travel Cancellation - RM 50,000
• Travel Curtailment - RM 50,000
• Pet Boarding Extension - RM 500
• Travel Delay - RM200 (Max RM4,000)
• Travel Documents - RM 7,500

Oyen’s Explorer Travel Insurance Coverage:

• Medical Emergencies and Other Expenses - up to RM 500,000
• Personal Accident - up to RM 500,000
• Luggage & Personal Effects - RM 10,000
• Luggage Delay - Every 6 consecutive hours - RM200 per 6 hours (Max RM1,200)
• Travel Cancellation - RM 50,000
• Travel Curtailment - RM 50,000
• Pet Boarding Extension - RM 1,000
• Travel Delay - RM200 (Max RM4,500)
• Travel Documents - RM 10,000

To get a quote and safeguard your travel plans, explore the options available. Don't let unexpected situations ruin your travel experience when you have the opportunity to protect yourself with Oyen Travel Insurance. Click here for FREE quote. 

Key Takeaways

Choosing the right credit card for travel rewards in Malaysia is crucial for pet parents who want to make the most of their adventures. Consider factors such as rewards programs, sign-up bonuses, annual fees, foreign transaction fees, and additional perks to find a card that aligns with your travel needs. Researching and comparing different credit cards, such as the ones listed in the ringgitplus resource, can help you make an informed decision. 

Additionally, don't forget to protect yourself and your furry kids with Oyen Travel Insurance, which offers comprehensive coverage for trip cancellations, medical emergencies, and even luggage defects. With the right credit card and travel insurance, you can embark on your journeys with peace of mind, knowing that you're maximizing rewards and safeguarding your adventures. Explore the benefits and get a quote to protect your adventures and enjoy worry-free travels with your furry kids by your side.