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, July 2 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, 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 September 30 2020 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 August 5 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).

Until July 20 2020, these earning rates are doubled – giving you to 4.5 Membership Rewards points (2.25 Enrich miles) per $1 spent on most purchases, and 2 Membership Rewards points (1 Enrich mile) per $1 spent on government charges.

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. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by August 5 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 $150 annual card fee applies, with no charge for one additional cardholder. You can apply here.

5. 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.

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 July 2 2020, Citibank continued to advertise offers on its website that expired back in June 2020. As such, the Citi Prestige credit card has been removed from these rankings for the time being.

The Commonwealth Bank also withdrew the sign-up bonuses on two of its cards on June 30 2020 – covering the Awards and Platinum Awards credit cards – both of which have also been removed from this list, as these were not replaced with new deals on July 1.

As of July 7 2020, the St.George Amplify Platinum Visa has removed its bonus points offer, seeing this card removed from these rankings, and the AMEX Explorer Credit Card returning to the 'top 5' with its ongoing offer.

As Malaysia Airlines Enrich doesn't have as many Australian credit card transfer partners as other international frequent flyer programs, these withdrawals left only seven cards offering some form of sign-up incentive for Enrich members.

For now, this list has been shortened to list the 'top 5' deals, and will return to being a 'top 10' when at least 10 relevant credit card sign-up offers are available via the types of cards ranked here.

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

Westpac Altitude Platinum Mastercard

26,666

0.33

$150

Earn bonus points with Uber, Spotify and more

AMEX Explorer Credit Card

25,000

1

$395

Two free AMEX Lounge visits every year

* 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.

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