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What's an Air Miles Credit Card?

An air miles credit card is designed to allow you to earn air miles every time you spend. These cards give you access to a loyalty program offered by airlines. Typically, you accumulate a set amount of miles based on how much you spend on your credit card. You can then use these miles to redeem flights or other benefits such as VIP airport lounge access, hotel discounts, and other freebies.
Air miles credit card converts every RM that you spend into air miles. You also earn a different rate of air miles when you spend locally and overseas. These air miles can later be converted into a frequent flyer programme to redeem a flight ticket or other benefits. The amount of air miles you get depends on the conversion rate of the particular credit card. Some credit cards are affiliated with various airline operator rewards programmes including AirAsia BIG, Enrich and WorldMiles, while some cards are designed for a specific airline such as the AirAsia-Citi credit cards that only allow you to earn AirAsia BIG points.
When you've earned enough air miles, you can exchange them for privileges such as air tickets and travel accommodations. Each bank has its own procedure for redeeming points, and the number of miles accumulated does not always translate to the number of miles you can travel. For example, the AirAsia-Citi Visa Credit Card lets you earn 2X AirAsia points for every ringgit you spend, which you can then use to redeem BIG Points to get complimentary flights. Sounds good, right? However, you will have to consider the fact that you must spend more than RM2,500 a month to qualify for the 2x AirAsia points.
Some credit cards with the best air mile features include AirAsia-Citi card, Standard Chartered WorldMiles World Mastercard, Citi PremierMiles Visa SignatureAlliance Bank Visa Infinite, and HSBC Visa Signature to name a few. However, this will depend on factors such as your usage, income levels, and travel style. Use our free comparison tool to help you find the best air miles credit card to suit your needs.
To find the best air miles credit card, you'll need to understand your needs. Get one that suits your budget; choose the card that allows you to redeem flights with the airline of your preference; consider the conversion rate for every air mile on local and overseas spend; look at the added benefits including access to airport lounges, travel insurance, and priority check-in to name a few; and keep in mind the expiry date of your air miles. We suggest using our free comparison tool to find the best air miles credit card to suit your needs.
Depending on your credit score, you may be able to hold multiple credit cards. However, the number of credit cards you have and your repayment behaviour will affect your credit score. In 2011, Bank Negara Malaysia introduced a guideline stating that anyone with an annual income of RM36,000 or less can hold credit cards from a maximum of two issuers. Focus on choosing one or two credit cards which suit you and your requirements best. Eventually, if you prove your good repayment behaviour, you will be offered a higher credit limit.
As long as you pay your credit card in full and on the date in your credit card statement, you do not have to pay interest on your credit card.
In order to be eligible for a credit card in Malaysia, you need to be at least 21 years old and financially stable. Each credit card issuer has its own minimum annual income requirement. In most cases, a minimum annual income of RM24,000 is required, but this could vary from bank to bank. You don't need to have an existing account with a bank to apply for a credit card from them.Remember to always research the best credit cards before applying!
If you're earning an annual income of RM36,000 or less, the maximum limit extended to you will not exceed twice your monthly income for every credit card issuer. This guideline does not apply if you are earning more than RM36,000 per annum, so you should consult your credit card issuer in Malaysia to find out how much your credit limit will be. Your credit limit can also be raised if you show good repayment behaviour. You can talk to your credit card issuer about raising your credit limit.
You can call the bank to ask for a review in your application. However, approval for an increase in credit limit is usually determined on your credit score. By being prompt in paying your monthly bills, the bank might increase your credit limit.
Choose a credit card that complements your lifestyle. Cashback cards help you save on groceries, petrol, and dining. Air miles cards let you earn miles for every RM1 you spend, which you can redeem for free tickets. Rewards cards let you earn points for every RM1 you spend, which you can redeem for vouchers.By using our comparison tools, you can quickly see which credit card has benefits that are most useful to you. Make sure to compare annual fees and effective interest rates so you know what extra charges apply.
Credit card issuers provide various methods of payment, from online banking, paying through telephone or mail, or visiting a branch of the bank to settle the balance. The most convenient method is to create a bank account and have credit card balances deducted automatically every month.
The processing time varies depending on the card issuer, but as soon as your application has been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.
If you suspect an unauthorised transaction has been made on your account, check if you made any other purchases on the same day before contacting your bank. The item could have been mistakenly billed under a different name. Also, ask anyone who uses the card with your permission (such as your partner) if they made the purchase. Once you have confirmed that the transaction was unauthorised, contact your credit card issuer immediately. Credit card issuers provide 24/7 customer service to address these matters, so do not hesitate to take immediate action. Failure to do so could make you liable for the unauthorised transactions charged to your credit card.