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, December 11 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.

The information provided on this page is purely factual and general in nature. 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, 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 March 2 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 on eligible purchases, 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.

Bank disclaimer: Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account.

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. AMEX Platinum Charge Card

Sign-up Bonus: Get your hands on 150,000 bonus Membership Rewards points when you apply online, are approved and spend $3,000 on your new card within the first three months.

Plus, get an additional 30,000 bonus MR points in the second year upon fee renewal, for an all-out bonus of up to 200,000 MR points. When converted to Enrich at a 2:1 rate, that's worth up to 100,000 Enrich miles.

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.

3. AMEX Explorer Credit Card

Sign-up Bonus: Pocket 120,000 bonus Membership Rewards points when you apply by January 27 2021 and spend $3,000. Plus, get 30,000 further bonus MR points after your second-year annual fee has been charged.

In total, that's up to 150,000 bonus MR points, worth up to 75,000 Enrich miles when your rewards are converted from AMEX to Enrich at a 2:1 rate.

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.

4. 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 March 31 2021, 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..

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 March 31 2021, 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 Platinum Edge Credit Card

Sign-up Bonus: Reward yourself with 50,000 bonus Membership Rewards points when you apply online by January 27 2021, are approved and spend $1,500 on your new card within the first three months.

When converted from Membership Rewards to Enrich at a 2:1 rate, that's equal to 25,000 bonus Enrich miles.

Rewards: Earn 3 Membership Rewards points (1.5 Enrich miles) per $1 spent at major supermarkets and petrol stations, and 2 MR points (1 Enrich mile) per A$1 spent in a foreign currency (overseas and online). Earn 1 MR point (0.5 Enrich miles) per $1 spent on all other purchases.

Annual Fee: $195, which is offset by a yearly $200 travel credit.

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

At at December 7 2020, American Express has rolled out several new or improved offers across its range of points-earning cards, providing a higher number of bonus miles for Enrich members.

This includes an offer worth up to 100,000 Enrich miles on the AMEX Platinum Charge Card and another worth up to 75,000 Enrich miles on the AMEX Explorer Credit card.

As well, at the time these rankings were updated, Citibank continued to promote an outdated offer on its Citi Prestige Mastercard. As this offer expired on November 30 2020 and had not been replaced, Citi Prestige has been removed from these December rankings.

Coincidentally, the AMEX Platinum Edge Credit Card takes its place with a new offer worth 25,000 Enrich miles, positioning it ahead of the offers that follow.

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

AMEX Platinum Charge Card

Up to 100,000

1.125

$1,450

Unlimited lounge access, gratis hotel status

AMEX Explorer Credit Card

Up to 75,000

1

$395

Two free AMEX Lounge visits every year

Westpac Altitude Black Mastercard

50,000

0.416

$250

Earn bonus points on flight bookings with selected airlines

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 Platinum Edge Credit Card

25,000

0.5

$195

Get a $200 travel credit 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.

The information provided on this page is purely factual and general in nature. 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.