Best Malaysia Airlines Enrich credit card sign-up offers

Give your Malaysia Airlines Enrich frequent flyer account a boost, with up to 100,000 bonus miles on the table from a single card.

By Chris Chamberlin, October 9 2020
Best Malaysia Airlines Enrich credit card sign-up offers
Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

Malaysia Airlines' Enrich frequent flyer program opens the door to booking flights with a range of airlines across the Oneworld alliance and beyond, including in business class and first class.

Beyond Malaysia Airlines itself and key partners like Cathay Pacific and Qantas, that roster also includes Air France, Emirates, Etihad Airways, KLM and MASwings, on which you can earn and use miles.

Plus, with as many as 100,000 bonus Enrich miles on offer from a single card application, here are this month's top Enrich credit card offers in Australia, covering American Express, Bank of Melbourne, BankSA, Citibank, Commonwealth Bank, St.George and Westpac. 

10 best Malaysia Airlines Enrich credit card sign-up offers

1. St.George Amplify Signature Visa with Amplify Points

Sign-up Bonus: Apply online for the Amplify Signature with Amplify Points card by February 9 2021 and spend $12,000 on eligible purchases each year for the first two years. This yields up to 200,000 bonus Amplify Points: given as 130,000 points in year one, and 70,000 points in year two.

As Amplify Points transfer into Enrich miles at a 2:1 rate, that pegs your reward at up to 100,000 bonus Enrich miles.

Rewards: Earn the equivalent of 0.75 Enrich miles per $1 spent, without capping or tiering. That's boosted further to 0.825 Enrich miles per dollar spent via St.George's 'birthday bonus', being a 10% bonus on all the points earned via the card over the past year (or part-year, for new customers), except on that sign-up bonus.

Annual Fee: Pay a reduced annual fee of $139 in the first year, and $279 thereafter, with no fee for an additional cardholder.

This same bonus points offer and reduced first year annual fee can also be found on the near-identical Bank of Melbourne Amplify Signature with Amplify Points and the BankSA Amplify Signature Visa with Amplify Points credit cards, when applying online.

2. Westpac Altitude Black Mastercard

Sign-up Bonus: Eligible new customers can take home 150,000 bonus Altitude Points on Westpac's Altitude Black Mastercard when applying by November 11 2020, choosing Altitude Rewards as the card's loyalty program and spending $4,000 on eligible purchases within 90 days of card approval.

Altitude Points convert into Enrich miles at a 3:1 rate, which places your bonus at 50,000 Enrich miles.

Rewards: Earn 6 Altitude Points (2 Enrich miles) per $1 spent on the first $10,000 per calendar month on flights purchased in Australia directly with Singapore Airlines, Virgin Australia, Emirates, Qantas and Jetstar, then 1.25 Altitude Points (0.416 Enrich miles) per $1 spent thereafter on these purchases.

You'll also earn 1.25 Altitude Points (0.416 Enrich miles) per $1 spent on most other eligible purchases, uncapped, except at Spotify, David Jones, Myer, The Iconic, Airbnb, Uber and Uber Eats, at which you'll earn a higher 2 Altitude Points (0.66 Enrich miles) per $1 spent, also uncapped.

Annual Fee: A $250 annual card fee applies, with no extra charge for an additional cardholder. You can apply here.

3. AMEX Platinum Charge Card

Sign-up Bonus: Get your hands on 80,000 bonus Membership Rewards Ascent Premium points as an eligible new customer – worth 40,000 Enrich miles following a 2:1 conversion – when you apply for the AMEX Platinum Charge Card and spend at least $3,000 on purchases in the first three months.

Rewards: Most transactions notch up 2.25 Membership Rewards points per dollar spent (1.125 Enrich miles, after conversion), although payments to government bodies in Australia earn points at the reduced rate of one Membership Rewards point per dollar spent (0.5 Enrich miles).

Annual Fee: $1,450, although you can add up to four extra cardholders at no extra fee, and the points you can earn across all cards are uncapped.

4. Citi Prestige Mastercard

Sign-up Bonus: Apply for the Citi Prestige Mastercard by November 30 2020, spend $7,500 on eligible purchases within 60 days of approval and you could receive 100,000 bonus Citibank Rewards points, worth 33,333 Enrich miles when converted at a 3:1 rate.

This Mastercard can optionally be paired with a Linked Diners Club Card managed by Citibank. If you opt-in for this, be aware that only spends on the Mastercard – and not the Linked Diners Club Card – contribute towards the $7,500 spend requirement to earn these bonus points.

Rewards: On eligible purchases made using the Mastercard, you can earn 3 Citi Points (1 Enrich mile) per $1 spent overseas, and in Australia with major airlines, hotel chains and restaurants. At major Australian supermarkets, petrol outlets and national retailers, earn 2 Citi Points (0.66 Enrich miles) per dollar spent, and on all other eligible transactions in Australia, earn 1 Citi Point (0.33 Enrich miles) per dollar spent.

The optional Linked Diners Club Card instead provides a flat 2 Citi Points (0.66 Enrich miles) per dollar spent on eligible purchases at home and abroad, although neither card provides points on government and government-related charges.

Annual Fee: $700, with or without the Linked Diners Club Card attached, and with no extra fee for additional cardholders.

5. Commonwealth Bank Diamond, Ultimate Awards Mastercards

With two Commonwealth Bank Awards cards serving up the same offer, the CBA Diamond Awards Mastercard and the CBA Ultimate Awards Mastercard share the same rank.

Sign-up Bonus: Take home 100,000 bonus CBA Awards points when applying for either card by April 29 2021 and spending $5,000 on eligible purchases within 90 days of card activation. When converted into Enrich miles at a 3.5:1 rate, that unlocks approximately 28,571 Enrich miles.

Rewards (Diamond Awards): Fetch 1.25 CBA Awards points (0.357 Enrich miles) per $1 spent on eligible purchases up to 1,000,000 Awards points (285,714 Enrich miles) per year in total. No points are earned on ATO payments.

Rewards (Ultimate Awards): Earn 3 Awards points (0.857 Enrich miles) per $1 spent on international transactions; 2 Awards points (0.571 Enrich miles) per $1 spent at major supermarkets, department stores and petrol stations; and 1 Award point (0.285 Enrich miles) per $1 spent elsewhere. However, all monthly spending above $10,000 (regardless of category) earns rewards at the reduced rate of 0.5 Awards points (0.142 Enrich miles) per $1 spent.

Annual Fee: On the Diamond Awards card, you'll $349, plus $10/year for an additional cardholder. On Ultimate Awards, there's a $35 monthly fee in place of an annual charge, with is waived in each month where at least $2,500 is spend on the card and when opting-in to online statements, with no additional cardholder fee.

6. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by November 11 2020, select Altitude Rewards as your loyalty option and spend $3,000 on eligible purchases within 90 days of card approval to earn 80,000 bonus Altitude Points.

As with the higher-tier Westpac Altitude Black Mastercard, Altitude Points convert into Enrich miles at a 3:1 rate, which makes your sign-up bonus on-par with approximately 26,666 Enrich miles.

Rewards: Earn 3 Altitude Points (1 Enrich mile) per $1 spent on the first $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar and Virgin Australia (but not Emirates and Singapore Airlines, as with Altitude Black), then 1 Altitude Point (0.33 Enrich miles) per $1 spent thereafter on these purchases.

You'll also earn 1 Altitude Point (0.33 Enrich miles) per $1 spent on most other eligible purchases, uncapped, except at Spotify, Airbnb, Uber and Uber Eats, at which you'll earn a higher 2 Altitude Points (0.66 Enrich miles) per $1 spent, also uncapped.

Annual Fee: A reduced annual card fee of $99 applies in the first year, reverting to $150 thereafter, and with no charge for one additional cardholder in the first or subsequent years. You can apply here.

7. AMEX Explorer Credit Card

Sign-up Bonus: Earn 50,000 bonus AMEX Membership Rewards points with your new AMEX Explorer credit card, when you apply and spend $3,000 on the card within the first three months. As with the AMEX Platinum Charge Card, points earned on this card can be converted to Enrich at a 2:1 rate, making that bonus worth 25,000 Enrich miles.

Rewards: Earn 2 Membership Rewards points (1 Enrich mile) per $1 spent on most eligible purchases, except at government bodies in Australia, where you'll earn a reduced 1 Membership Rewards point (0.5 Enrich miles) per dollar spent.

Annual Fee: $395, with no fees for up to four additional cardholders.

8. Commonwealth Bank Platinum Awards Mastercard

Sign-up Bonus: Apply for the CBA Platinum Awards Mastercard by April 29 2021 and you could earn 80,000 bonus CBA Awards points after spending $4,000 on eligible purchases within 90 days of card activation.

CommBank Awards points can be converted into Malaysia Airlines Enrich Miles at a 3.5:1 rate, giving you a precise 22,857 Enrich miles as your reward.

Rewards: Through CommBank Awards, collect the equivalent of 0.285 Enrich miles per $1 spent (1 CBA Awards point per $1, with a 3.5:1 conversion to Enrich), up to a maximum of 42,857 Enrich miles (150,000 CBA Awards points) per calendar year. No points are earned on ATO payments, however.

Annual Fee: $249, plus $10/year for an additional cardholder.

9. David Jones AMEX Platinum Card

Sign-up Bonus: Apply and spend $750 at locations beyond David Jones within the first three months to earn 30,000 bonus David Jones Membership Rewards points, equal to 15,000 Enrich miles when converted at a 2:1 rate.

Rewards: You can earn 4 Membership Rewards points (2 Enrich miles) per $1 spent at David Jones, 3 Membership Rewards points (1.5 Enrich miles) per dollar spent at major supermarkets and petrol stations, and 1 Membership Rewards point (0.5 Enrich miles) per dollar spent everywhere else.

Annual Fee: $295, with no additional cardholder fees.

10. David Jones American Express Card

Sign-up Bonus: Separate to the higher-tier David Jones plastic, the standard David Jones AMEX Card offers 15,000 bonus David Jones Membership Rewards points – equal to 7,500 Enrich miles when converted at a 2:1 rate – when you apply and spend $750 at locations beyond David Jones within the first three months.

Rewards: You can earn 3 Membership Rewards points (1.5 Enrich miles) per dollar spent at major supermarkets and petrol stations, 2 Membership Rewards points (1 Enrich mile) per $1 spent at David Jones, and 1 Membership Rewards point (0.5 Enrich miles) per dollar spent everywhere else.

Annual Fee: $99, with a $29/year additional cardholder fee after the first year.

Ranking Order & Updates

Ranking Criteria

This page provides a rundown of the most rewarding credit card sign-up offers in Australia for applicants looking to earn Enrich miles with Malaysia Airlines.

Usually, credit card holders would first accrue points in their bank's own loyalty program as they continue to spend on their card, and can later convert these points into Enrich miles at a specific rate, as varies from program to program.

For example, converting Amplify Points (earned on St.George and other credit cards) into Enrich miles is possible at a 2:1 rate (2 Amplify Points = 1 Enrich mile), while with Westpac Altitude Rewards, the conversion rate to Enrich is instead 3:1.

The list above includes personal credit cards and general, public sign-up offers. Offers on corporate and business credit cards are not included, nor are deals that are targeted, restricted or otherwise non-public, with the exception of any offers targeted to Executive Traveller readers, which may give applicants more points, or have reduced fees and charges, versus a bank's standard public offers.

Credit cards listed above as part of this 'top 10' appear in descending order based on the total number of Enrich miles offered via the card's sign-up bonus, which is based on the value of the credit card bonus and its worth in Enrich miles after conversion.

Where more than one card provides the same number of Enrich miles as part of the bonus, other factors such as annual fees, minimum spend requirements, points earning rates for ongoing purchases and broader sign-up incentives such as statement credits are considered in determining rank.

Ranking Updates

As of October 2020, the Commonwealth Bank has extended its Platinum, Diamond and Ultimate Awards credit card offers from October 2020 until late April 2021, giving cardholders a longer window in which they can apply and earn points.

These offers were originally introduced in August 2020 – the same month that Citibank returned to these rankings, after the bank's previous Citibank Rewards offers had expired.

October also saw offers on the St.George, Bank of Melbourne and BankSA Amplify credit cards extended until February 2021 – with Amplify Rewards cardholders able to convert their credit card points directly into Enrich Miles, via Amplify Rewards.

Previous changes included this rank list moving from a 'top 10' to a 'top 5' for a short period when fewer Enrich offers were available, before returning to a 'top 10' with the inclusion of offers from Citibank and the Commonwealth Bank.

What are Malaysia Airlines Enrich credit cards and how do they work?

Although Malaysia Airlines doesn't have any 'co-brand' credit cards in Australia, its partnerships with several Australian banks and credit card issuers allow cardholders to convert the points they earn into miles with the Malaysia Airlines Enrich program.

This is achieved by first earning points in the credit card's own rewards program, and later converting them into Enrich miles.

Each credit card program sets its own points conversion rates, so keep in mind that a generic offer of "100,000 points" may have different values between one bank and another.

For instance, a bank offering 100,000 bonus points in its own loyalty program, which can later be converted to Enrich at a 2:1 rate, is essentially offering 50,000 bonus Enrich miles.

However, a bank offering the same "100,000 bonus points" but with a less-generous conversion rate to Enrich, such as 3.5:1, is only offering 28,571 bonus Enrich miles – almost half as many as the other bank, from the same headline figure.

Malaysia Airlines Enrich credit card FAQs

Can you combine frequent flyer miles and points?

Members of Malaysia Airlines' Enrich frequent flyer program can transfer their miles to other people, such as to combine the miles earned between two people to spend on one reward flight.

Enrich levies two fees for this service: a fixed charge of MYR40 per transfer, and a per-mile charge of MYR0.04. Each members can receive a maximum of 50,000 Enrich miles per year via this process, although outbound transfers are unlimited.

Can I earn miles or points if I buy a ticket for someone else?

You can, but only when paying for that ticket using an eligible points-earning credit card, on which you could collect points just like any other transaction, based on the value of the purchase.

These points or miles are separate to those earned by the traveller when taking the flight. If booking a flight for yourself, you could, of course, double-dip in this way.

10 best Malaysia Airlines Enrich credit card sign-up offers

Credit card

Bonus Enrich miles

Enrich miles per $1 spent *

Annual fee

Other benefits

St.George Amplify Signature with Amplify Points

Up to 100,000

0.825 (incl. B'day Bonus)

$139 (yr 1)
$279 (yr 2-)

Priority Pass account with two yearly lounge visits

Westpac Altitude Black Mastercard

50,000

0.416

$250

Earn bonus points on flight bookings with selected airlines

AMEX Platinum Charge Card

40,000

1.125

$1,450

Unlimited lounge access, gratis hotel status

Citi Prestige Mastercard

33,333

0.33 (MC)
0.66 (DC)

$700

Priority Pass account, hotel perks

CBA Diamond & Ultimate Awards

28,571

Diamond: 0.357
Ultimate: 0.285 (0.142 above $10k/mo)

D: $349
U: $35x12

$35 monthly card fee waived on Ultimate with $2.5k/mo spending

Westpac Altitude Platinum Mastercard

26,666

0.33

$99 (yr 1)
$150 (yr 2-)

Earn bonus points with Uber, Spotify and more

AMEX Explorer Credit Card

25,000

1

$395

Two free AMEX Lounge visits every year

CBA Platinum Awards Mastercard

22,857

0.285

$249

Earn bonus points via CBA Awards

David Jones AMEX Platinum

15,000

0.5

$295

Benefits at David Jones including free alterations

David Jones AMEX Card

7,500

0.5

$99

Free delivery on David Jones purchases

* Enrich miles earned per $1 spent is based on everyday eligible purchases on transactions within Australia. This figure considers the card's earning rate on spend and its conversion rate to Enrich, to display the equivalent number of Enrich miles earned per $1 spent. Some spending categories may also earn more, fewer or no points on each card than the standard earn rate indicated above, such as government transactions, overseas purchases, etc.

Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

Chris Chamberlin

Chris Chamberlin is the Associate Editor of Executive Traveller, and lives by the motto that a journey of a thousand miles begins not just with a single step, but also a strong latte, a theatre ticket, and later in the day, a good gin and tonic.