Miles Conversion Rates — Verified April 2026
| # | Card | Airline Partner | Points earned/RM1 | Official conversion | Overseas miles/RM1 | Local miles/RM1 ↓ | Verified |
|---|---|---|---|---|---|---|---|
| 1 |  Standard Chartered Journey |
KrisFlyer / Enrich |
|
2 Miles Points = 1 mile | ~2.50 miles/RM1 (5÷2) | ~0.50 miles/RM1 (1÷2) | Apr 2026 |
| 2 |  UOB PRVI Miles Elite |
KrisFlyer (SIA) / Enrich |
|
4 UNIRM = 1 mile | ~2.50 miles/RM1 (10÷4) | ~0.25 miles/RM1 (1÷4) | Apr 2026 |
| 3 |  Maybank Visa Infinite / World Elite |
Enrich (MAS) / KrisFlyer |
|
12,500 pts = 1,000 miles ↑ from 10,000 (Feb 2025) | ~0.40 miles/RM1 (5÷12.5) | ~0.16 miles/RM1 (2÷12.5) | Feb 2025 |
| 4 |  CIMB Travel World Elite |
Enrich (MAS) |
|
12.5 BP = 1 mile ↑ from earlier (Feb 2024) | ~0.64 miles/RM1 (8÷12.5) | ~0.08 miles/RM1 (1÷12.5) | Feb 2024 |
| 5 |  HSBC TravelOne |
Enrich (MAS) |
|
21 pts = 1 mile | ~0.38 miles/RM1 (8÷21) | ~0.05 miles/RM1 (1÷21) | Apr 2026 |
| 6 |  Maybank Classic / Gold / Platinum / Signature |
Enrich / KrisFlyer / Asia Miles |
|
20,000 pts = 1,000 miles | lower tier | lower tier see card T&Cs | Feb 2025 |
How to read this table — Maybank Visa Infinite local spend example
Sources: HSBC hsbc.com.my/credit-cards/products/travelone/rewards (Apr 2026) · Maybank maybank2u.com.my official announcement (effective 22 Feb 2025) · CIMB official notice (effective 1 Feb 2024) · Standard Chartered sc.com/my. Verify before redeeming.
🏆 Top Air Miles Credit Cards Malaysia 2026
HSBC TravelOne Credit Card Best overall miles card
Why it wins: Highest miles-per-RM rate on overseas spend (up to 3x points, which convert to roughly 6x miles per RM1 to partner airlines). Transfers to the widest partner network in Malaysia: Enrich, KrisFlyer, Asia Miles, BIG, and 6+ others.
- — 8x air miles per RM1 on overseas spend & online travel bookings
- — 1x miles on local spend
- — Transfer to 10+ airline partners (Enrich, KrisFlyer, Asia Miles, BIG & more)
- — 6 complimentary Plaza Premium lounge visits/year
Maybank Visa Infinite Best for TreatsPoints users
Why it wins: Strongest earn rate on the TreatsPoints ecosystem, which converts attractively to Enrich Points and KrisFlyer Miles. Best choice if you already hold a Maybank salary account.
- — 5x TreatsPoints per RM1 on overseas & online
- — 2x TreatsPoints on local spend
- — Unlimited Plaza Premium lounge access via LoungeKey
- — Up to RM2m travel insurance coverage
CIMB Travel World Elite Mastercard Best premium travel
Why it wins: World Elite tier unlocks Mastercard’s global concierge and Hotel Stay Plus programme. Unlimited airport lounge access and RM2 million travel accident insurance make the fee easy to justify for frequent flyers.
- — 8x miles per RM1 on overseas spend
- — Unlimited airport lounge access worldwide
- — RM2m travel accident insurance
- — Mastercard World Elite concierge & Hotel Stay Plus
Chartered
Standard Chartered Visa Infinite Best for golfers & diners
Why it wins: Balanced earn rate on both overseas and local spend, plus complimentary KrisFlyer direct transfer at one of the best conversion rates in the market. Strong add-ons for golfers and fine-dining enthusiasts.
- — 3x points per RM1 overseas (= ~6 miles)
- — Priority Pass — 6 complimentary lounge visits
- — Complimentary green fees at 7+ golf clubs
How to maximise miles earned in Malaysia
1. Put overseas spend on the miles card, everything else on a cashback card. Overseas earn rates are typically 5–8x domestic rates. If you only use one card, you’re leaving 60–70% of potential miles on the table.
2. Book flights through the bank’s travel portal. HSBC, Maybank and CIMB all run travel booking portals with 2–3x bonus miles on top of the base earn rate.
3. Transfer at campaign times. Banks run 20–30% bonus transfer campaigns 2–3 times a year (typically around Raya, Deepavali and Christmas). Waiting for a 25% bonus turns a 3:1 transfer into an effective 2.4:1.
4. Mind the expiry. Most bank points expire after 3 years. Enrich and KrisFlyer miles have their own expiries (36 months and 36 months respectively). Plan your redemption calendar around the earliest expiry.
Frequently Asked Questions
Which credit card earns the most air miles in Malaysia?
HSBC TravelOne at 8x air miles per RM1 on overseas spend, followed by CIMB Travel World Elite and Maybank Visa Infinite. For Malaysians who fly mostly on MAS Enrich or Singapore Airlines KrisFlyer, HSBC TravelOne is the top pick because of its direct 3:1 transfer ratio.
How many points do I need for 1,000 miles in Malaysia?
It depends on the card and the target airline. HSBC, CIMB and Standard Chartered typically use a 3:1 ratio (3 points = 1 mile). Maybank TreatsPoints use a 4:1 ratio to Enrich. Always verify the ratio directly with your bank before planning a redemption.
Are air miles or cashback better for Malaysians?
Air miles win if you fly internationally at least twice a year on the same airline alliance. The redemption value of miles on premium cabins (Business, First) can reach 3–5 sen per mile, far above cashback’s 1 sen per RM1. For Malaysians who fly less often or redeem for economy seats only, cashback is usually more efficient.
Can I use one card to earn miles across multiple airlines?
Yes. HSBC TravelOne transfers to 10+ partners including Enrich, KrisFlyer, Asia Miles, AirAsia BIG, Etihad Guest and several others. This “points bank” flexibility is why it consistently ranks as the best miles card in Malaysia.
Do miles expire in Malaysia?
Yes. Bank points typically expire 2–3 years after earning. Airline programme miles have separate expiry rules: MAS Enrich miles expire 36 months from earn, KrisFlyer miles expire 36 months from earn, AirAsia BIG points expire 36 months from last activity.