R504B. Points

KrisFlyer and Enrich miles per RM1,000 spend on each card, as of 23 Oct 2026. Card numbers are last 4 only. Figures are rounded; items in [brackets] were not confirmed from a bank document. Hotel = hotel spend in Malaysia; hotels overseas earn the overseas rate.

Card	Earn per RM1	Points for 1,000 miles (KrisFlyer / Enrich)	KF miles per RM1k (local / overseas)	Enrich miles per RM1k (local / overseas)	Hotel in Malaysia: KF / Enrich miles per RM1k	Basis
Maybank KrisFlyer Amex Platinum 5892	1 mile per RM2.50 local; 1 mile per RM2 online and overseas	KrisFlyer: direct Enrich: n/a (earns KrisFlyer directly)	400 / 500	n/a	400 / n/a	Amex Malaysia card page (read 23 Oct 2026).
Maybank World Elite Mastercard 3128	2x local (10 per RM5), 5x overseas (25 per RM5)	KrisFlyer: 12,500 Enrich: 12,500	160 / 400	160 / 400	160 / 160	Conversion from Malaysia Airlines' Enrich table and Maybank's miles schedule; earn rates from card-comparison sites.
Maybank Visa Infinite (2 Cards Premier) 6240	2x local, 5x overseas (RinggitPlus)	KrisFlyer: 12,500 Enrich: 12,500	160 / 400	160 / 400	160 / 160	Leonard confirmed 12,500 : 1,000.
Maybank Mercedes-Benz Visa Infinite 4525	Up to 2x local, 5x overseas, 10x at Mercedes-Benz Autohaus	KrisFlyer: 12,500 Enrich: 12,500	160 / 400	160 / 400	160 / 160	Enrich table lists the Mercedes-Benz card at 12,500.
RHB Premier Visa Infinite 8806	Local 1x; overseas up to 10x LoyaltyPlus	KrisFlyer: 22,500 plain / 14,000 LoyaltyPlus Enrich: 15,000 plain / 8,000 LoyaltyPlus	44 / 714	67 / 1,250	214 / 375	Full detail below. Leonard's screenshots of RHB's rewards catalogue and card page.
UOB Privilege Banking Visa Infinite 7222	1x local, 5x dining, 10x overseas	KrisFlyer: 10,000 Enrich: 10,000 (same as KF)	100 / 1,000	100 / 1,000	100 / 100	UOB card page: 1,000 Enrich, KrisFlyer or Asia Miles for 10,000 UNIRM.
UOB Visa Infinite (Winnie's card) 3930	1x local, 5x dining, 10x overseas	KrisFlyer: 12,000 Enrich: 12,000 (same as KF)	83 / 833	83 / 833	83 / 83	UOB card page: 12,000 UNIRM per 1,000 miles.
UOB PRVI Miles Elite 2533	1x local; 12x regional, 10x other overseas, 5x airlines (MYR)	KrisFlyer: 12,000 Enrich: 12,000 (same as KF)	83 / 833 (regional 1,000)	83 / 833 (regional 1,000)	83 / 83	UOB card T&C 28 Oct 2025 version; 12,000 per 1,000 miles.
CIMB Preferred Visa Infinite 4304	1x local, 8x overseas [earn rate not re-checked]	KrisFlyer: 15,000 Enrich: 12,500	67 / 533	80 / 640	67 / 80	CIMB Member Rewards T&C: KrisFlyer 15,000, Enrich 12,500 per 1,000.
CIMB Private Wealth World Elite Not held PWWE	2x local, 10x overseas and airlines	KrisFlyer: 15,000 Enrich: 12,500	133 / 667	160 / 800	133 / 160	CIMB Travel Card T&C and Member Rewards T&C.
HSBC Premier World Mastercard 8251	Up to 15x overseas (10x plus 5x on Premier criteria, to 31 Dec 2026), 8x contactless, 5x groceries and online; base local [not found]	KrisFlyer: 15,000 Enrich: 15,000	67 / 667	67 / 667	67 / 67	HSBC notice 29 Mar 2018 (KrisFlyer 15,000); Enrich table (15,000). Local 1x assumed.
HSBC Premier World Travel 9143	1 Air Mile per RM4 local; 1.1 per RM1 overseas	KrisFlyer: 2 Air Miles per 1 mile (20,000 per 10,000) Enrich: 1 Air Mile per 1 Enrich (10,000 per 10,000)	125 / 550	250 / 1,100	125 / 250	KrisFlyer from HSBC's 2018 notice, Enrich from Malaysia Airlines' table; the two dates differ, confirm on HSBC online.
SCB Priority Banking Visa Infinite 9473	1x local, 5x overseas, 10x overseas dining and shopping	KrisFlyer: [not confirmed] Enrich: 7,000	143 / 714 [KF rate unconfirmed]	143 / 714	143 / 143	Enrich table: 7,000 per 1,000. KrisFlyer shown at the same rate.
SCB Journey (WorldMiles) 8880	0.2 local; 1 on dining, travel and overseas	KrisFlyer: [not confirmed] Enrich: 2,000	100 / 500 [KF rate unconfirmed]	100 / 500	500 / 500	Enrich table: 2,000 WorldMiles per 1,000 Enrich.
AmBank Enrich Visa Platinum 9013	RM7 = 1 local; RM3 = 1 overseas and Malaysia Airlines; RM13 = 1 education, insurance, utilities	KrisFlyer: No KrisFlyer transfer Enrich: Earns Enrich directly (1 point = 1 mile)	n/a	143 / 333	n/a / 143	AmBank Enrich Visa Platinum page (read 23 Oct 2026).

Detail

🧮Calculation for every card

Miles per RM1,000 = points earned on RM1,000 (earn per RM1 × 1,000) ÷ points needed per 1,000 miles × 1,000, rounded. AmBank 9013 is not calculated (rate not checked). SCB KrisFlyer is calculated at the same rate as Enrich (unconfirmed).

Card	Earn	KrisFlyer local	KrisFlyer overseas	Enrich local	Enrich overseas	Hotel in Malaysia (KrisFlyer / Enrich)	Note
Maybank World Elite Mastercard 3128	2x local / 5x overseas	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	KrisFlyer: 2,000 pts ÷ 12,500 × 1,000 = 160 Enrich: 2,000 pts ÷ 12,500 × 1,000 = 160 Normal local rate	TreatsPoints
Maybank Visa Infinite (2 Cards Premier) 6240	2x local / 5x overseas	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	KrisFlyer: 2,000 pts ÷ 12,500 × 1,000 = 160 Enrich: 2,000 pts ÷ 12,500 × 1,000 = 160 Normal local rate	TreatsPoints
Maybank Mercedes-Benz Visa Infinite 4525	2x local / 5x overseas	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	2,000 pts ÷ 12,500 × 1,000 = 160	5,000 pts ÷ 12,500 × 1,000 = 400	KrisFlyer: 2,000 pts ÷ 12,500 × 1,000 = 160 Enrich: 2,000 pts ÷ 12,500 × 1,000 = 160 Normal local rate	TreatsPoints
RHB Premier Visa Infinite 8806	1x local / 10x overseas	1,000 pts ÷ 22,500 × 1,000 = 44	10,000 pts ÷ 14,000 × 1,000 = 714	1,000 pts ÷ 15,000 × 1,000 = 67	10,000 pts ÷ 8,000 × 1,000 = 1,250	KrisFlyer: 3,000 pts ÷ 14,000 × 1,000 = 214 Enrich: 3,000 pts ÷ 8,000 × 1,000 = 375 3x LoyaltyPlus on hotel and airlines (RHB card page)	Local: plain Loyalty Points. Overseas: LoyaltyPlus (10x)
UOB Privilege Banking Visa Infinite 7222	1x local / 10x overseas	1,000 pts ÷ 10,000 × 1,000 = 100	10,000 pts ÷ 10,000 × 1,000 = 1,000	1,000 pts ÷ 10,000 × 1,000 = 100	10,000 pts ÷ 10,000 × 1,000 = 1,000	KrisFlyer: 1,000 pts ÷ 10,000 × 1,000 = 100 Enrich: 1,000 pts ÷ 10,000 × 1,000 = 100 Normal local rate	UNIRM
UOB Visa Infinite (Winnie's card) 3930	1x local / 10x overseas	1,000 pts ÷ 12,000 × 1,000 = 83	10,000 pts ÷ 12,000 × 1,000 = 833	1,000 pts ÷ 12,000 × 1,000 = 83	10,000 pts ÷ 12,000 × 1,000 = 833	KrisFlyer: 1,000 pts ÷ 12,000 × 1,000 = 83 Enrich: 1,000 pts ÷ 12,000 × 1,000 = 83 Normal local rate	UNIRM
UOB PRVI Miles Elite 2533	1x local / 10x overseas	1,000 pts ÷ 12,000 × 1,000 = 83	10,000 pts ÷ 12,000 × 1,000 = 833	1,000 pts ÷ 12,000 × 1,000 = 83	10,000 pts ÷ 12,000 × 1,000 = 833	KrisFlyer: 1,000 pts ÷ 12,000 × 1,000 = 83 Enrich: 1,000 pts ÷ 12,000 × 1,000 = 83 Normal local rate	UNIRM (regional spend is 12x: 12 ÷ 12,000 × 1,000 = 1,000)
CIMB Preferred Visa Infinite 4304	1x local / 8x overseas	1,000 pts ÷ 15,000 × 1,000 = 67	8,000 pts ÷ 15,000 × 1,000 = 533	1,000 pts ÷ 12,500 × 1,000 = 80	8,000 pts ÷ 12,500 × 1,000 = 640	KrisFlyer: 1,000 pts ÷ 15,000 × 1,000 = 67 Enrich: 1,000 pts ÷ 12,500 × 1,000 = 80 Normal local rate	Bonus Points
CIMB Private Wealth World Elite Not held PWWE	2x local / 10x overseas	2,000 pts ÷ 15,000 × 1,000 = 133	10,000 pts ÷ 15,000 × 1,000 = 667	2,000 pts ÷ 12,500 × 1,000 = 160	10,000 pts ÷ 12,500 × 1,000 = 800	KrisFlyer: 2,000 pts ÷ 15,000 × 1,000 = 133 Enrich: 2,000 pts ÷ 12,500 × 1,000 = 160 Other local spend	Bonus Points: 2x other local, 10x overseas and airlines
HSBC Premier World Mastercard 8251	1x local / 10x overseas	1,000 pts ÷ 15,000 × 1,000 = 67	10,000 pts ÷ 15,000 × 1,000 = 667	1,000 pts ÷ 15,000 × 1,000 = 67	10,000 pts ÷ 15,000 × 1,000 = 667	KrisFlyer: 1,000 pts ÷ 15,000 × 1,000 = 67 Enrich: 1,000 pts ÷ 15,000 × 1,000 = 67 Base local rate (assumed)	Reward Points (base local 1x assumed; 10x overseas)
HSBC Premier World Travel 9143	0.25x local / 1.1x overseas	250 pts ÷ 2,000 × 1,000 = 125	1,100 pts ÷ 2,000 × 1,000 = 550	250 pts ÷ 1,000 × 1,000 = 250	1,100 pts ÷ 1,000 × 1,000 = 1,100	KrisFlyer: 250 pts ÷ 2,000 × 1,000 = 125 Enrich: 250 pts ÷ 1,000 × 1,000 = 250 Normal local rate	Air Miles: 1 per RM4 local, 1.1 per RM1 overseas; points needed are Air Miles per 1,000 miles (KrisFlyer 2,000, Enrich 1,000)
SCB Priority Banking Visa Infinite 9473	1x local / 5x overseas	1,000 pts ÷ 7,000 × 1,000 = 143	5,000 pts ÷ 7,000 × 1,000 = 714	1,000 pts ÷ 7,000 × 1,000 = 143	5,000 pts ÷ 7,000 × 1,000 = 714	KrisFlyer: 1,000 pts ÷ 7,000 × 1,000 = 143 Enrich: 1,000 pts ÷ 7,000 × 1,000 = 143 Normal local rate	SCB Rewards Points
AmBank Enrich Visa Platinum 9013	0.143x local / 0.333x overseas	n/a	n/a	143 pts ÷ 1,000 × 1,000 = 143	333 pts ÷ 1,000 × 1,000 = 333	KrisFlyer: n/a Enrich: 143 pts ÷ 1,000 × 1,000 = 143 Local rate: RM7 = 1 Enrich point	Enrich Points directly: RM7 = 1 local, RM3 = 1 overseas and Malaysia Airlines
SCB Journey (WorldMiles) 8880	0.2x local / 1x overseas	200 pts ÷ 2,000 × 1,000 = 100	1,000 pts ÷ 2,000 × 1,000 = 500	200 pts ÷ 2,000 × 1,000 = 100	1,000 pts ÷ 2,000 × 1,000 = 500	KrisFlyer: 1,000 pts ÷ 2,000 × 1,000 = 500 Enrich: 1,000 pts ÷ 2,000 × 1,000 = 500 5x on dining, travel and hotel	SCB WorldMiles: 0.2 per RM1 local, 1 per RM1 on dining, travel and overseas (5x)
Maybank KrisFlyer Amex Platinum 5892	direct miles	1,000 ÷ 2.5 = 400	1,000 ÷ 2 = 500	n/a	n/a	KrisFlyer: 1,000 ÷ 2.5 = 400 Enrich: n/a	1 mile per RM2.50 local; 1 mile per RM2 overseas. No Enrich.

AmBank: detail

AmBank Enrich Visa Platinum (9013)

Earns Enrich Points directly; 1 Enrich Point is 1 Enrich mile, so there is no conversion and no KrisFlyer transfer. Earn rates are from AmBank's Enrich credit card page (read 23 Oct 2026). No Enrich Points on petrol, charity, government payments, JomPAY, FPX, DuitNow QR, payments without a merchant code, or e-wallet transactions (MCC 6540). Annual fee: free for life on the Platinum card.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Overseas spend and Malaysia Airlines (MCC 3100, 4511)	0.333 per RM1	RM3 = 1 Enrich Point	n/a	333 pts ÷ 1,000 × 1,000 = 333
Local spend and other airlines	0.143 per RM1	RM7 = 1 Enrich Point	n/a	143 pts ÷ 1,000 × 1,000 = 143
Local education, insurance and utilities	0.0769 per RM1	RM13 = 1 Enrich Point; capped at 8,000 Enrich Points per statement cycle	n/a	77 pts ÷ 1,000 × 1,000 = 77

CIMB: detail

CIMB Preferred Visa Infinite (4304) and Private Wealth World Elite (not held)

Bonus Points. 15,000 points = 1,000 KrisFlyer miles and 12,500 points = 1,000 Enrich miles (CIMB Member Rewards T&C; Malaysia Airlines' table: 62,500 points = 5,000 Enrich). All CIMB credit cards use the same conversion rates.

Card	Spend	Earn per RM1	KrisFlyer miles per RM1,000	Enrich miles per RM1,000	Source
Preferred Visa Infinite 4304	Local spend in RM	1x	1,000 pts ÷ 15,000 × 1,000 = 67	1,000 pts ÷ 12,500 × 1,000 = 80	Member Rewards T&C clause 8.2(b)
Preferred Visa Infinite 4304	Overseas spend (foreign currency or DCC), base	2x	2,000 pts ÷ 15,000 × 1,000 = 133	2,000 pts ÷ 12,500 × 1,000 = 160	Member Rewards T&C clause 8.2(b)
Preferred Visa Infinite 4304	Local dining or overseas, with RM250,000 AUM	8x	8,000 pts ÷ 15,000 × 1,000 = 533	8,000 pts ÷ 12,500 × 1,000 = 640	CIMB Preferred Visa Infinite card page; valid until 30 Sep 2026 [check whether renewed]
Private Wealth World Elite (not held) PWWE	Overseas, airlines, duty-free	10x	10,000 pts ÷ 15,000 × 1,000 = 667	10,000 pts ÷ 12,500 × 1,000 = 800	Member Rewards T&C clause 8.4
Private Wealth World Elite (not held) PWWE	Other local spend	2x	2,000 pts ÷ 15,000 × 1,000 = 133	2,000 pts ÷ 12,500 × 1,000 = 160	Member Rewards T&C clause 8.4
Private Wealth World Elite (not held) PWWE	Local education, non-recurring insurance and utilities	1x	1,000 pts ÷ 15,000 × 1,000 = 67	1,000 pts ÷ 12,500 × 1,000 = 80	Member Rewards T&C clause 8.4

HSBC: detail

HSBC Premier World Mastercard (8251)

Reward Points. 15,000 points convert to 1,000 KrisFlyer miles (HSBC notice, 29 Mar 2018) and to 1,000 Enrich miles (Malaysia Airlines' table), so KrisFlyer and Enrich give the same miles. Earn rates are from HSBC's Premier World welcome pack.

Spend	Earn per RM1	Condition	Working (RM1,000 spend)	KrisFlyer and Enrich miles per RM1,000
Overseas spend	15x	10x, plus 5x when the Premier account criteria are met each month; valid to 31 Dec 2026	15,000 pts ÷ 15,000 × 1,000 = 1,000	1,000
Overseas spend (without the extra 5x)	10x	Valid to 31 Dec 2026	10,000 pts ÷ 15,000 × 1,000 = 667	667
Contactless spend	8x	Terms apply	8,000 pts ÷ 15,000 × 1,000 = 533	533
Groceries, and online shopping at Lazada, Shopee, Zalora, Grab, Fave	5x	Terms apply	5,000 pts ÷ 15,000 × 1,000 = 333	333
Other local spend	1x	[base rate not found in the HSBC documents; 1x assumed]	1,000 pts ÷ 15,000 × 1,000 = 67	67

HSBC Premier World Travel (9143)

Air Miles, not Reward Points. Air Miles are rounded down to the nearest ringgit of spend and valid 3 years. 2 Air Miles = 1 KrisFlyer mile (HSBC notice, 29 Mar 2018: 20,000 Air Miles for 10,000 KrisFlyer miles) and 1 Air Mile = 1 Enrich mile (Malaysia Airlines' table: 10,000 Air Miles for 10,000 Enrich). The two conversion sources are from different dates; confirm on HSBC online banking.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Overseas spend (foreign currency, outside Malaysia or online in foreign currency)	1.1 Air Miles per RM1	1.1 Air Miles per RM1; cap 20,000 Air Miles a month	1,100 Air Miles ÷ 2,000 × 1,000 = 550	1,100 Air Miles ÷ 1,000 × 1,000 = 1,100
Local spend (in Malaysia, including online in RM)	0.25 Air Miles per RM1	1 Air Mile per RM4; local spend must be at least RM4; cap 30,000 Air Miles a month	250 Air Miles ÷ 2,000 × 1,000 = 125	250 Air Miles ÷ 1,000 × 1,000 = 250

Insurance and utility payments earn on this card. No Air Miles on petrol (MCC 5541, 5542), government services, charities, quasi-cash, cash advances, instalment plans, fees, JomPAY, FPX, or bill payments through HSBC internet banking.

Maybank: detail

Maybank KrisFlyer Amex Platinum (5892)

Earns KrisFlyer miles directly: no conversion, no Enrich. Rates are from Amex Malaysia's card page (read 23 Oct 2026). No miles on utilities and government payments.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Online and overseas spend	0.5 per RM1	1 mile per RM2	500 pts ÷ 1,000 × 1,000 = 500	n/a
Local spend	0.4 per RM1	1 mile per RM2.50	400 pts ÷ 1,000 × 1,000 = 400	n/a
Singapore Airlines, Scoot and KrisShop website	1 per RM1	1 mile per RM1	1,000 pts ÷ 1,000 × 1,000 = 1,000	n/a

Maybank Mercedes-Benz Visa Infinite (4525)

TreatsPoints, valid 3 years. 12,500 TreatsPoints = 1,000 KrisFlyer or Enrich miles (Malaysia Airlines' table lists the Mercedes-Benz Visa Infinite at 12,500). Earn rates are from Maybank's Treats page for the card (read 23 Oct 2026).

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Authorised Mercedes-Benz Autohaus in Malaysia	10 per RM1	In person on a Maybank terminal only	10,000 pts ÷ 12,500 × 1,000 = 800	10,000 pts ÷ 12,500 × 1,000 = 800
Overseas spend	5 per RM1		5,000 pts ÷ 12,500 × 1,000 = 400	5,000 pts ÷ 12,500 × 1,000 = 400
Local spend	2 per RM1	Page says up to 2x	2,000 pts ÷ 12,500 × 1,000 = 160	2,000 pts ÷ 12,500 × 1,000 = 160
Utilities, petrol, education, EzyPay, insurance	1 per RM1		1,000 pts ÷ 12,500 × 1,000 = 80	1,000 pts ÷ 12,500 × 1,000 = 80

Maybank Visa Infinite, 2 Cards Premier (6240)

TreatsPoints. 12,500 TreatsPoints = 1,000 KrisFlyer or Enrich miles (confirmed by Leonard; Malaysia Airlines' table). Earn rates are from RinggitPlus [third-party; verify on Maybank's page].

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Local retail	2 per RM1		2,000 pts ÷ 12,500 × 1,000 = 160	2,000 pts ÷ 12,500 × 1,000 = 160
Overseas retail	5 per RM1		5,000 pts ÷ 12,500 × 1,000 = 400	5,000 pts ÷ 12,500 × 1,000 = 400

Maybank World Elite Mastercard (3128)

TreatsPoints. 12,500 TreatsPoints = 1,000 KrisFlyer or Enrich miles (Malaysia Airlines' table; Maybank miles schedule). Earn rates are from Maybank's card page as quoted by RinggitPlus, CompareHero and Wise (the Maybank page itself did not load) [verify on Maybank's page]. No points on government payments and e-wallet reloads.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Local retail	2 per RM1	10 TreatsPoints per RM5	2,000 pts ÷ 12,500 × 1,000 = 160	2,000 pts ÷ 12,500 × 1,000 = 160
Overseas retail	5 per RM1	25 TreatsPoints per RM5	5,000 pts ÷ 12,500 × 1,000 = 400	5,000 pts ÷ 12,500 × 1,000 = 400
Utilities, petrol, education, EzyPay, insurance	1 per RM1		1,000 pts ÷ 12,500 × 1,000 = 80	1,000 pts ÷ 12,500 × 1,000 = 80

RHB: detail

RHB Premier Visa Infinite (8806)

Two types of points. LoyaltyPlus points are earned on overseas spend, hotel and airlines, and online travel. Plain Loyalty points are earned on dining, duty-free, online others and other retail. The catalogue below shows a separate rate for each type. The rates below are for the Premier Visa Infinite.

1. Earn rates (RHB Visa Premier card benefits page)

Spend category	Loyalty Points (per RM1)	LoyaltyPlus points (per RM1)
Overseas	-	10x (up to 10x)
Hotel and airlines	-	3x
Duty-free	3x	-
Dining	3x	-
Online	3x	3x (LoyaltyPlus on travel, Loyalty on others)
Other retail spend	1x	1x (LoyaltyPlus on travel, Loyalty on others)

2. Redemption and conversion rates (RHB rewards catalogue, Premier Visa Infinite)

Reward	Loyalty Points needed	LoyaltyPlus points needed
1,000 Enrich Miles	15,000	8,000
1,000 KrisFlyer Miles	22,500	14,000

3. Miles per RM1,000 for 8806 (working)

Spend category	Loyalty Points: miles per RM1,000	LoyaltyPlus points: miles per RM1,000
Overseas	-	KrisFlyer: 10,000 pts ÷ 14,000 × 1,000 = 714 Enrich: 10,000 pts ÷ 8,000 × 1,000 = 1,250
Hotel and airlines	-	KrisFlyer: 3,000 pts ÷ 14,000 × 1,000 = 214 Enrich: 3,000 pts ÷ 8,000 × 1,000 = 375
Duty-free	KrisFlyer: 3,000 pts ÷ 22,500 × 1,000 = 133 Enrich: 3,000 pts ÷ 15,000 × 1,000 = 200	-
Dining	KrisFlyer: 3,000 pts ÷ 22,500 × 1,000 = 133 Enrich: 3,000 pts ÷ 15,000 × 1,000 = 200	-
Online	KrisFlyer: 3,000 pts ÷ 22,500 × 1,000 = 133 Enrich: 3,000 pts ÷ 15,000 × 1,000 = 200	KrisFlyer: 3,000 pts ÷ 14,000 × 1,000 = 214 Enrich: 3,000 pts ÷ 8,000 × 1,000 = 375
Other retail spend	KrisFlyer: 1,000 pts ÷ 22,500 × 1,000 = 44 Enrich: 1,000 pts ÷ 15,000 × 1,000 = 67	KrisFlyer: 1,000 pts ÷ 14,000 × 1,000 = 71 Enrich: 1,000 pts ÷ 8,000 × 1,000 = 125

Overseas: the T&C (27 Jan 2026) gives 10 LoyaltyPlus per RM1 when the monthly eligible retail spend is RM10,000 or more, otherwise 8 (KrisFlyer 571, Enrich 1,000). Supplementary card spend earns points credited to the principal card. Points are valid 3 years. The 22,500 and 15,000 rates are for plain Loyalty Points, the 14,000 and 8,000 rates for LoyaltyPlus.

SCB (Standard Chartered): detail

SCB Journey (8880)

WorldMiles (Miles Points), valid 3 years. 2,000 WorldMiles = 1,000 Enrich miles (Malaysia Airlines' table). The Journey T&C does not state the KrisFlyer rate; it is calculated here at the same 2,000 [unconfirmed]. Earn rates are from SCB's credit card terms (Journey section).

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Dining in RM (MCC 5812, 5813, 5814)	1 per RM1	Selected dining merchants	1,000 pts ÷ 2,000 × 1,000 = 500	1,000 pts ÷ 2,000 × 1,000 = 500
Travel in RM (airlines, hotels, online travel agents: MCC 3000-3299, 3501-3999, 4511, 4722, 7011, 7012)	1 per RM1	Includes hotels	1,000 pts ÷ 2,000 × 1,000 = 500	1,000 pts ÷ 2,000 × 1,000 = 500
Overseas retail (foreign currency, outside Malaysia)	1 per RM1		1,000 pts ÷ 2,000 × 1,000 = 500	1,000 pts ÷ 2,000 × 1,000 = 500
Other local retail in RM	0.2 per RM1	1 point per RM5	200 pts ÷ 2,000 × 1,000 = 100	200 pts ÷ 2,000 × 1,000 = 100

SCB Priority Banking Visa Infinite (9473)

360° Rewards Points (Beyond credit card, Priority Banking), valid 3 years. 7,000 points = 1,000 Enrich miles (Malaysia Airlines' table). The KrisFlyer rate is not stated in the SCB terms; it is calculated at the same 7,000 [unconfirmed]. Earn rates are from SCB's credit card terms (Beyond / Priority Banking section, clause 6).

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Local retail	1 per RM1	Per RM1 posted	1,000 pts ÷ 7,000 × 1,000 = 143	1,000 pts ÷ 7,000 × 1,000 = 143
Overseas retail (foreign currency), excluding dining and shopping	5 per RM1		5,000 pts ÷ 7,000 × 1,000 = 714	5,000 pts ÷ 7,000 × 1,000 = 714
Overseas dining (MCC 5812, 5813, 5814) and shopping (selected MCCs)	10 per RM1	In foreign currency	10,000 pts ÷ 7,000 × 1,000 = 1,429	10,000 pts ÷ 7,000 × 1,000 = 1,429

UOB: detail

UOB Privilege Banking Visa Infinite (7222)

UNIRM (UNIRinggit). 10,000 UNIRM = 1,000 KrisFlyer, Enrich or Asia Miles (UOB card page). Earn rates are from the card T&C. Overseas spend settled in ringgit (DCC) earns only 1x; advertising and professional services on Google, Facebook, Microsoft, TikTok, Instagram and similar are excluded from 10x.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Overseas spend in foreign currency	10 per RM1	Not for spend settled in MYR (DCC)	10,000 pts ÷ 10,000 × 1,000 = 1,000	10,000 pts ÷ 10,000 × 1,000 = 1,000
Dining (MCC 5811, 5812, 5813, 5814) when the month's dining spend is RM1,000 or more	5 per RM1	Per calendar month	5,000 pts ÷ 10,000 × 1,000 = 500	5,000 pts ÷ 10,000 × 1,000 = 500
Dining under RM1,000 in the month	1 per RM1		1,000 pts ÷ 10,000 × 1,000 = 100	1,000 pts ÷ 10,000 × 1,000 = 100
All other spend	1 per RM1		1,000 pts ÷ 10,000 × 1,000 = 100	1,000 pts ÷ 10,000 × 1,000 = 100

UOB PRVI Miles Elite (2533)

UNIRM. 12,000 UNIRM = 1,000 KrisFlyer, Enrich or Asia Miles. Earn rates are from the card T&C (version read 23 Oct 2026). Overseas spend settled in ringgit (DCC) earns 1x. Google, Facebook, Microsoft, TikTok, Instagram and similar are excluded from 12x and 10x.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Regional spend (foreign currency in SGD, THB, IDR, VND and other regional countries)	12 per RM1		12,000 pts ÷ 12,000 × 1,000 = 1,000	12,000 pts ÷ 12,000 × 1,000 = 1,000
Other overseas spend in foreign currency	10 per RM1		10,000 pts ÷ 12,000 × 1,000 = 833	10,000 pts ÷ 12,000 × 1,000 = 833
Airlines in MYR	5 per RM1	Airline spend in foreign currency earns the overseas 10x	5,000 pts ÷ 12,000 × 1,000 = 417	5,000 pts ÷ 12,000 × 1,000 = 417
All other spend	1 per RM1		1,000 pts ÷ 12,000 × 1,000 = 83	1,000 pts ÷ 12,000 × 1,000 = 83

UOB Visa Infinite (3930, Winnie's card)

UNIRM. 12,000 UNIRM = 1,000 KrisFlyer, Enrich or Asia Miles (UOB card page). Earn rates are from the card T&C.

Spend	Earn	Conditions	KrisFlyer miles per RM1,000	Enrich miles per RM1,000
Overseas spend in foreign currency	10 per RM1	Not for spend settled in MYR (DCC)	10,000 pts ÷ 12,000 × 1,000 = 833	10,000 pts ÷ 12,000 × 1,000 = 833
Dining when the month's dining spend is RM1,000 or more	5 per RM1	Per calendar month	5,000 pts ÷ 12,000 × 1,000 = 417	5,000 pts ÷ 12,000 × 1,000 = 417
Dining under RM1,000 in the month	1 per RM1		1,000 pts ÷ 12,000 × 1,000 = 83	1,000 pts ÷ 12,000 × 1,000 = 83
All other spend	1 per RM1		1,000 pts ÷ 12,000 × 1,000 = 83	1,000 pts ÷ 12,000 × 1,000 = 83

Sources

Maybank

Standard Chartered

Credit card client and product terms (PDF)

AmBank

Enrich credit cards page

Malaysia Airlines Enrich

Bank points to Enrich conversion rates by card

CIMB

UOB

RHB

Premier Visa Infinite card T&C, 27 Jan 2026 (PDF)
Rewards catalogue and card benefits page: screenshots supplied by Leonard, 23 Oct 2026 (wiki: sources/card-terms/rhb-rewards-catalogue-air-miles-2026-10-23)

HSBC