Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?

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Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?

                                      Can properties give you free
                                          holiday every year?
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?

 Can properties give you the
  freedom to buy whatever
         you want?
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
Salam and hello there. My name is Faizul Ridzuan, and I’ve been investing in real
estate or properties since 2005. I’ve enjoyed the benefit of investing early and
this has given me certain advantage and today, I’d like to share them with you.
Hopefully, once you are done reading this ebook, you’ll gain insights on how you
could potentially :

      Get a free car through properties
      Use properties to sponsor our overseas trip, every year
      Use properties to buy small luxuries like a nice hand bag or a watch
      Use properties to build your child’s university fund
      Use properties to obtain financial freedom and allows you to fire your
       boss
      Use properties to raise capital to start your own business
      Use properties to raise capital to migrate overseas
      Use the cash to accomplish a more meaningful purpose like a charitable
       foundation

WHY AM I SHARING ALL THIS??

I’ve done almost a thousand of 1-ON-1 consulting sessions in the last 24 months,
and I’ve spoken to many more during Millionare Employee Blueprint (MEB) ,
Sarjana Hartanah, and webinars. Amazingly, I found that people are still very
sceptical that they can actually live very decently if they invest wisely in
properties. They often told me that I can do what I do and I’m making the kind of
money that I make today because I was special, and I have a gift.

So I hope this e-book is able to show you that I’m just a regular person, and that
if I can do this, then so can you.

Is there anything special about me? You can decide once you learn my
background?

      Born in Sentul into a normal, working class family. Normal school, worked
       in Starbucks during university days to ensure I have sufficient money to
       pay for my scooter and food.
      My mom was a government clerk and my dad operates a small carwash in
       Sentul after he lost his job during the 1998-1999 Asian Financial Crisis.
      Worked in few fast food restaurants in all school holidays to earn extra
       pocket money
      Graduated in software engineering from a local Uni, and was an average
       student and with average results. (Hard to compete with other students
       when I have to work part time every day to support myself thorough out
       university)
      First job as a programmer, with salary of RM600.
      Bought my first property at 24, with only RM2000 savings or my own
       money. My pay was only RM2500 at that time.
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
    Couldn’t afford to take a driving license and didn’t have one until I was 28
        years old. Took bike to work every-day until I bought my first car at 28
        years old.

So as you can see, my background was very average. The not so average thing
about me was that I learnt the skillset and knowledge to invest in properties
early when my peers were busy clubbing or dating. I used what I learnt early to
my advantage that I’m now able to do the following :

       I purchased over 30 properties while working as an employee.
       I was able to quite my RM14,000 per month salary job using my
        properties
       I was able to raise capital by selling some of my properties to start my
        business and then quit my 9-5 job
       Got married at 28, and didn’t took on any form of loan to get married.
       I was able to own 2 x BMWs and a RM800k Porsche Cayenne S through
        my properties
       I get to travel to London, Paris, Melbourne, Qatar, Dubai, Istanbul,
        Cappadocia and Northern Ireland on holiday for free using my properties
       I will be able to send my daughters to a good university that cost over
        RM2Mil when they grow up thanks to the properties I buy
       I should be able to retire at 55 with a RM100,000 per month income

So why do I bother trying to share my past? Because some of you is still sceptical
despite my sharing today. Look, its normal to be sceptical especially when it’s
something completely new and alien to you. Any decent person shouldn’t believe
everything they see and read on the internet, right? And given that you might be
new towards properties, you might have heard some very popular
misconception about property investing such as the following :

 Misconception                     Reality

 “You need a lot of money to       You don’t. I started with only Rm2000 capital.
 invest in properties”             And I have bought over 10 properties with less
                                   than RM5,000 capital for each. With knowledge,
                                   its not hard to buy properties even with
                                   zero/minimal capital

 “I’m just an employee, can I      I bought over 25 properties as a 9-5 employee.
 still invest?”                    You just need to know how to convince the
                                   bank to continue borrowing to you to buy a few
                                   properties.
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
“I know a few people lost           So do I. But there are a lot more people who
money in properties. “              made money than the ones that loose over a
                                    long term. Key here is to be knowledgeable
                                    when investing. A fool will part with his money
                                    faster than he can say the word “I Love PM”

“So hard to get loan nowadays.      It’s true that its harder to get a loan today. But
Last time I applied, my loan        our approval rate in over 90% in 2016, so with
was rejected lah!                   the right skills, loan approval can be relatively
”                                   easy. You just need to understand how banks
                                    approves your loans so that you can get your
                                    loan approved, every time

“I dont know where and what         Its common for a newbie to feel this way, but
to buy?”                            this is learnable skills. It took me 2 year of
                                    research before buying my first properties.

“I want to focus on my career       Its okay if you want to focus on your career
first, once career stable then I    first. But just remember that property price will
go and buy property”                not get cheaper every year.

                                    I’ve seen people who lost their job at 45 years
                                    old having worked for the same company for
                                    almost 15 years. Its OK to love your job today
                                    but realistically one day your company might
                                    no longer love you back, so you better be
                                    prepared.

“I need to get married soon so I have my wedding paid for by my tenant. You
need to reserve alot of cash for can do the same if you invest in properties 5
this”                            years before you get married

“I want to buy that new car         Car loans, are easier to get compared to
first. After that only I go buy a   property loans so its best to buy properties first
property. “                         before you get a car. Plus if you can be patient
                                    by at least 3-5 years and invest well in
                                    properties, you will ended up getting a nice
                                    sports car, for free!

“I need to save up and reserve      You could do that but you will be using your
my funds so that my kids can        hard earned money to send them to a good
go to UK to further their           university. But if you invest early enough in
education”                          properties, your kids can go to UK for FREE,
                                    because your tenants is going to help me for it.

“Job not stable now, better not     1. When job market is more stable, the property
take on new property loans          you want will also be more expensive.
and debt”
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
2. Its only a commitment if you buy wrong
                                   properties. If you pay to the bank RM1000 but
                                   you get RM1500 in rentals, how is that a
                                   commitment?

 “I Want to buy my dream           If you invest first, someone else will help you
 house first before I start        buy you your dream home. I only bought my
 investing”                        dream house in Mont Kiara after buying 24
                                   investment properties. While its great to be able
                                   to afford a dream house, whats better is to get
                                   someone else pay for your dream house.
 “My parents/Girl Friend/Boy-      ............................................................... (speechless)
 Friend/Cat dont encourage me
 to invest in properties?”

I believe that when there’s a will, there’s always a way. In the words of Jordan
Belford :
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
SO HOW EXACTLY DID I USE MY PROPERTIES TO GET FREE PORSCHE AND
MORE?

I will illustrate this using real life properties that I have purchased. Im gonna use
an example of 4 properties to show what you can potentially achieve you invest
correctly in just 4 properties.

 Property      Purchase    Current      Net gains if   Monthly     Monthly    *Nett
 name          price       Value        I sell today   installment rent       cashflow

 Titiwangsa    RM250,00    RM620,000 RM400,000         RM1200      RM2600     RM1200
 Sentral –     0                     ( After 6
 Unit 1                              years of
                                     purchase )
 Titiwangsa    RM250,00    RM620,000 RM400,000         RM1200      RM2600     RM1200
 Sentral –     0                     ( After 6
 Unit 2                              years of
                                     purchase )
 Summer        RM330,00    RM510,000 RM210,000         RM1200      RM2200     RM1000
 Suites SOFO   0                     ( After 4
 – Unit 1                            years of
                                     purchase )
 Summer        RM335,00    RM510,000 RM210,000         RM1200      RM2200     RM1000
 Suites SOFO   0                     ( After 4
 – Unit 2                            years of
                                     purchase )
 SUMMARY       RM1.15      RM2.26Mil RM1.11Mil                                RM4,40
               Mil                                                            0

*Minus monthly maintenance

Titiwangsa Sentral                          Summer Suites
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
To summarize the results from these 4 properties :

   1. Purchased for only RM1.15Mil few years ago. Today its valued at
      RM2.26Mil. These 4 properties have nearly doubled in value in just 6
      years. So these 4 properties basically doubled in just 6 years.

   2. If I were to sell all these properties today, I will make clean profit of over
      RM1Mil in just 6 years. RM1Mil net profit in just 6 years

   3. I get RM4,400 every month clean rental income or RM52,800 rental
      income every year.

So how do I use the properties above to fund my financial objectives?

a. What can I do with RM4,400 every month or RM52,800 rental income
every year.

      Fund my overseas holiday – With RM50,000 annual budget for holiday. I
       should be able to visit 3-4 foreign countries every year, yeay!

      Buy a RM400,000 car – A 2nd hand Porsche and a brand new BMW 5
       series should cost me less than RM4,400 every month.

      A few nice watches or handbags – Good watches and handbags can be
       expensive, but RM50,000 every year should be sufficient

b. What can I do with if I were to sell these properties off and get RM1.1Mil
profit?

      Capital to start my own business – How much I need in the form of
       capital depends on what business I plan to do, but RM1Mil should be
       enough right? If I was a doctor, RM1mil is more than enough to open my
       own private clinic.

      Buy a luxury car, cash – I could buy a Ferrari, Porsche cash with Rm1Mil
       right?

      Migrate to another country – If I wanted to migrate, this RM1.1Mil will
       be enough to give me a head start in Canada, Singapore or Australia.

      Travel the world – With RM1.1mil cash, I could choose not to work for 1
       full year and travel to 50-60 countries, if that’s what I want to do. Come
       to think of it, its not bad if one can accomplish visiting over 50 countries
       before we reached 35 years old, right?

      Children education – With this RM1Mil cash, will I be able to send my
       children to a decent education in Australia or UK? For most courses, it
       should be sufficient.
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
Who knew owning just 4 good properties can be this impactful, right?

Hang-on Faizul, you mentioned free that you can build a property portfolio
with limited cash? Can you give us proof then?

Yes you can. Let me illustrate how to accomplish this using other property
examples that I have purchased using little or no money.

 Property name        Purchase        Exit price     Net Profit        Downpayment
                      price

 Tropics @            RM260,000       RM350,000      RM120,000         RM0
 Tropicana City                                                        (RM1,000
 Mall - 2009                                                           Booking that was
                                                                       refunded later)
 Axis Ampang          RM145,000       RM300,000      RM155,000         RM0
 SOHU – Unit 1                                                         (RM5,000
 - 2011                                                                Booking that was
                                                                       refunded later)
 Axis Ampang          RM151,000       RM337,000      RM185,000         RM0
 SOHU – Unit 2                                                         (RM5,000
 - 2011                                                                Booking that was
                                                                       refunded later)
 Penaga@Taman         RM171,000       RM360,000      RM189,000         RM0
 Raintree Batu                                                         (RM1,000
 Caves                                                                 Booking that was
 -2011                                                                 refunded later)
 SUMMARY                                             RM649,000

There you go. Using limited or zero capital, you can still accomplish your
objectives if you buy the right properties and sell them when these properties
reaching its maturity stage. Best of all is that all these properties were rented at
more than the monthly repayment with positive cashflow, and allows me to
enjoy very minimal holding cost.

Faizul, I heard property market might be crashing soon? Is now a good time
to buy or should I wait?

The honest answer to this question is I dont know what the future might hold for
any of us. But I like to look at history to give us an indication of what will
happen?
Holiday every year? CAN BUYING 4 GOOD PROPERTIES REALLY CHANGE YOUR LIFE?
To summarize the price index above :

      We tracked Malaysia property price index for 26 years
      Out of which, property value goes up 24 years out of 26 years
      2 years out of 26 years, property value registered negative growth. And
       that happened during the worst economic recession Malaysia has faced.
      Your chance of catching a property downturn accurately in 30 years is
       less than 10%

So if you ask me, anytime is a good time to buy when you buy the right property.
To further illustrate my point on why property investment is as safe as it gets,
ask yourselves the following question :

“Can I buy a property today at a cheaper price compared to 5 /10 /15 years ago?”

Its very unlikely that you will be able to buy property at 5/10/15 year ago prices.
The best thing you do today is to buy as soon as you are skilled enough to invest.
There is no reason to wait especially knowing that you’ll most likely have to pay
more in 2018 or 2019.

Faizul, can anyone do this?

My honest answer is that, it really depends. Its not difficult to accomplish this,
but its not a walk in the park either. In order for you to be able to execute this,
you’ll need to know the following skills :

      How to do research quicly and find information pertaining the property
      The ability to get loans
    Understand how to buy properties using as little cash as possible
       Familiar with the process of buying and selling properties
       How to ensure your unit fetch good rental values to cover all your
        monthly commitements
       How to ensure your unit is always tenanted at the right values and how to
        increse rental values
       How to overcome 70% LTV for 3rd property onwards
       How to select the best properties that can give you both rental and capital
        appreciation

Can all this skillset be learnt through self taught? Of course it can. Afterall, I did
learn all of these myself through out 12 years after purchasing over 40
properties. So yes you can learn all of the above yourself, just as what I’ve done.

However, if you dont plan to wait and learn for 12 years, and :

       Plan to buy properties at today’s prices instead of paying more in 2020
       Wants to shorten your learning curve and get shortcuts on what you
        should buy and what you shouldnt buy,
       Avoid expensive mistakes from buying the wrong property that cant be
        sold or rented
       Buy the best property available today

Here’s an option that I can give you today. You can learn from me directly, and I’ll
teach you what I know and lessons for my last 12 years of my investing. My
advanced program is called Sarjana Hartanah. I’ve been running this program for
more than 4 years now and have taught over 2000 students, and some of my
students has went on to :
To know more about how you can benefit from attending Sarjana Hartanah, you
go to the link below :

http://faizulridzuan.com/sarjana-hartanah-english/

Lastly, I hope this ebook has given you some ideas and has made a positive
impact in your life. I wish you the very best in your upcoming investment
journey and I look forward seeing you soon!

p/s : We have a small class this coming 8th and 9th July 2017 (our last session
was sold out) and our early bird price is expiring this month (30th Jun),which
means you’ll have to pay RM500 extra after 30th June. Try to register early to
confirm your seat at the lowest price possible since we have less than 30 seats
left.

Faizul Ridzuan - What do you actually do for a living?

Btw, you can read on below if you want to know more about me ^^

      Author of the book “WTF? 23 Properties by 30”, which sold over 60,000
       copies to date.

      Founder of Sarjana Hartanah and Millionare Employee Blueprint, a
       property education program that is widely regarded as Malaysia’s best-
       value-for-money property education program. We have been educating
       more than 2000 students since 2013.
   CEO and Founder of FAR Capital Sdn Bhd, an independent property
    consulting firm that advises people where and what property they should
    be buying to achieve their financial objectives.

   Bought over 40 properties to date. Bought over 10 properties in 2015-
    2016 alone. 5 of them are now fully paid and targeting to fully pay off all
    these properties in the next 10 years, and ensure that I can fully retire at
    55 with approximately RM100,000 rental income per month.

   Was able to resign from a RM15,000 per month employment at 32 years
    old, when working for a Fortune 500 MNC from US.

   Bought the recent edition Porsche Cayenne S before 35 ( normally I dont
    like disclosing stuff like this but some you are downloading this ebook to
    learn how to use property to get nice cars for FREE )
   I’ve been featured and interviewed in Astro, TV1, TV2, TV3, BFM radio,
    and in various property publication like Focus Malaysia, Property Insight,
    HomeFinder, NST, TheStar, TheEdge and many more.

                             TV Appearance
Newpaper write-ups
:

If think you coiuld benefit from this, dont wait to long too start ya? See you soon
at :

http://faizulridzuan.com/sarjana-hartanah-english/
2017 Top 10 Travel Credit Cards to
Apply for Malaysians (No, Citibank
isnt one of it)
Tommy Ooi Travel Tips 35

In 2016, we flew on Etihad Airways First Class Apartment & Malaysia Airlines Business Class
paying less than Economy ticket. Stepping into 2017, we have accumulated 400,000 miles,
which is sufficient to redeem 2 first class tickets and some business class flights.

How to achieve it? By redeeming our flight ticket with credit card points.

There are more than 50 different credit cards available in Malaysia however only few could
boast as the best travel credit card. The rests are merely marketing gimmicks, in our opinion
meant to trick consumers thinking they are good.

Most of us own a credit card but doesn’t know how to maximize the cards’ benefits. We
usually get Free Business Class Flights (pay tax & fuel surcharge only), Free Airport Lounge
Access, Free Hotel Room Upgrade and even Free Airport Taxi back home.

If luxury travel is your ideal goal, read on, cancel all your cash back, supermarket & movie
ticket credit cards and apply these instead!
You can also compare the difference between 2016 & 2017 – Top 10 Travel Credit Cards to
Apply for Malaysians in 2016. Alternatively, we have also listed Top 5 Travel Credit
Cards for Malaysians in 2017 (Earning RM5k & below!)

Before proceeding, do Follow our Instagram, Sign Up our Email Newsletter and LIKE our
Facebook to receive more travel tips & latest travel promotion.

1. Maybank 2 Cards Premier AMEX

The Maybank 2 Cards Premier AMEX successfully retained its crown as the best credit
card in Malaysia for airline miles redemption earning holders 1 mile per RM0.95 for both
local & overseas transactions.

This is the card you should own if possible to rack up all the miles especially on domestic
transactions which is the best feature I like most.

Best for : Airline Miles Redemption

Redemption Rate :

     Local & Overseas – RM0.95 for 1 Enrich, Asia Miles & KrisFlyer

Min Income to apply : RM120,000 p.a.

Annual Fees : RM800. FREE for the first year. Subsequent years FREE if spend a min of
RM80,000 per annum

Advantage :

     Highest airline miles redemption rate on domestic spending.
    50% Savings on F&B at Shangri-La Kuala Lumpur.
      50% Dining privileges at all Starwood Hotels in Malaysia.
      Free Green fees access to over 79 Golf Clubs in 15 countries (17 clubs in Malaysia &
       62 international club)
      Free Travel Insurance & Retail Protection

Disadvantage :

      High minimum income required to apply for this card
      American Express is not widely acceptable compared with Visa & Mastercard
      No airport lounge benefit

More info : Maybank 2 Cards Premier AMEX

2. Maybank 2 Gold & Platinum AMEX

The Maybank 2 Gold Card AMEX is the best card for most people who yet to qualify for
the premium cards which generally need RM100,000 annual income. With only
RM30,000 min income required, anyone with RM2,500 monthly salary should apply this
card to rake in airline miles.

Best of all, this card has no annual fees. Unlike the Premier card, there are different rates
when redeeming with Asia Miles at RM1.49 while KrisFlyer at RM1.70 and RM2.12 for
Enrich. Both overseas & local transaction earns you the same points and you can max out
your conversion especially on Cathay Pacific’s Asia Miles.

Best for : Airline Miles Redemption

Redemption Rate :
   Local & Overseas
         RM1.49 for 1 Asia Miles
             RM1.70 for 1 KrisFlyer
             RM2.12 for 1 Enrich

Min Income to apply : RM30,000 p.a.

Annual Fees : Lifetime Free Waiver

Advantage :

     High airline miles redemption rate
     Free annual fees
     Low minimum income to apply

Disadvantage :

     Normal card without benefit
     American Express is less acceptable in Malaysia

More info : Maybank 2 Gold Card AMEX

3. Singapore Airlines KrisFlyer American Express® Gold

The Singapore Airline KrisFlyer AMEX Gold card is a medium entry card with a RM4,000
monthly salary to qualify. This card allows holders to earn up to RM1 per 1 KrisFlyer mile
making it one of the highest miles redemption card in the market.
Also it allows holders 5X free access to Plaza Premium Lounge in Malaysia. This benefit used
to be unlimited Plaza Premium Lounge access but was downgraded in 2016.

The downside, this card is limited to earn Singapore Airline KrisFlyer miles only and the
miles are automatically transferred to your KrisFlyer account hence reducing your miles
lifespan from 6 years to 3 years only. (Usual credit cards points are valid for 3 years and
airline points valid another 3 years which makes it 6 years). So make sure you can earn
enough points to redeem a worthy air ticket within 3 years when using this card.

Best for : Singapore Airline KrisFlyer miles redemption

Redemption Rate :

     Local & Overseas – RM2 for 1 KrisFlyer
     Double up your miles with minimum spend of RM60,000 within twelve (12) months
      Card anniversary year making it RM1 per 1 KrisFlyer mile.

Min Income to apply : RM48,000 p.a.

Annual Fees : RM250. 1st year fee-waiver.

Advantage :

     Double up miles earned with RM60,000 spending making it one of the highest
      redemption
     5X Free Plaza Premium Lounge Access in Malaysia per year
     Complimentary Travel Insurance Coverage

Disadvantage :

     Miles redemption only limited to Singapore Airlines KrisFlyer
     American Express less acceptable in Malaysia

More info : Singapore Airlines KrisFlyer American Express® Gold

4. RHB Premier Visa Infinite
The RHB Premier Visa Infinite offers the highest point earning for overseas spending of all
credit cards listed in this article at only RM0.75 per 1 Enrich Mile.

Card holders are given 10 complimentary access (below 100k spend a year) or unlimited
access (above 100k spend a year) to Plaza Premium Lounges in Malaysia and 5 other
locations – Abu Dhabi, Hong Kong, London, Singapore and Taipei.

Since it is a Visa Infinite card, holders can take advantage on Free Hilton HHonors Gold
status with 2 stays or 4 nights stay. Hilton HHonors Gold status are eligible for Free Room
Upgrades, Executive Lounge Access and even 4pm Late Checkout which is very worth it. This
status usually need 20 stays to attain.

Best for : Overseas Spending Airline Miles Redemption

Redemption Rate :

     Overseas
         RM0.75 for 1 Enrich Mile
             RM1.50 for 1 KrisFlyer
     Local
         RM2.00 for 1 Enrich Mile on local hotels, airlines, duty-free, dining and online
            spend
             RM4.00 for 1 Krisflyer for local hotels, airlines, duty-free, dining and online
              spend
             RM6.00 for 1 Enrich Mile on other local spending
             RM12.00 for 1 KrisFlyer on other local spending

Min Income to apply : Invitation. Call RHB Premier Line to apply.

Annual Fees : Free For Life

Advantage :

     Highest overseas spending Enrich miles redemption
     Complimentary Green Fees at 8 Golf Club in Malaysia
     Complimentary RM2 million Travel Insurance Coverage
     No annual fees. Free for life
     10X to unlimited access to Plaza Premium Lounge

Disadvantage :

     High income to apply
     Very low local spending airline miles redemption

More info : RHB Premier Visa Infinite

5. Alliance Visa Infinite
The Alliance Visa Infinite isnt the best miles redemption card in the market but more of an
all rounder between miles redemption and privileges. This card is the premium card from
Alliance bank with RM150,000 income to apply.

Earning miles wise it is quite high for overseas spending at RM1.20 for 1 Enrich while
normal earning for local spending at RM3 for 1 Enrich. This card comes with unlimited
access to Plaza Premium Lounge in KLIA and 6X to unlimited access to worldwide lounge
with Priority Pass. To achieve unlimited access you will need to spend RM300,000 in the
current year.

Since it is a Visa Infinite card, holders can take advantage on Free Hilton HHonors Gold
status with 2 stays or 4 nights stay. Hilton HHonors Gold status are eligible for Free Room
Upgrades, Executive Lounge Access and even 4pm Late Checkout which is very worth it. This
status usually need 20 stays to attain.

Best for : Worldwide Lounge Access

Redemption Rate :

     Overseas – RM1.20 for 1 Enrich Mile
     Local – RM3.00 for 1 Enrich Mile

Min Income to apply : RM150,000 p.a

Annual Fees : RM848. Annual fee waiver with a minimum spend of RM30,000 per annum.

Advantage :

     Complimentary 6X to unlimited (depend on annual spending) access to 850 VIP
      lounges in more than 100 countries and 300 cities worldwide with Priority Pass
     Complimentary unlimited access to KLIA Plaza Premium Lounge
     Free Hilton HHonors Gold Status with 2 stays or 4 nights
     Free Travel Insurance Coverage

Disadvantage :

     Only limited to earn Malaysia Airlines Enrich Miles
   High minimum income needed to apply

More info : Alliance Visa Infinite

6. Maybank Visa Infinite

The Maybank Visa Infinite offers one of the highest flight points earning on overseas
spending with RM0.95 for 1 Enrich, Asia Miles & KrisFlyer while local spending net
RM2.40 for 1 airline Mile.

Since it is a Visa Infinite card, holders can take advantage on Free Hilton HHonors Gold
status with 2 stays or 4 nights stay. Hilton HHonors Gold status are eligible for Free Room
Upgrades, Executive Lounge Access and even 4pm Late Checkout which is very worth it. This
status usually need 20 stays to attain.

Best for : Hotel Privileges and high overseas flight miles earning

Redemption Rate :

     Overseas – RM0.95 for 1 Enrich Mile, Asia Miles, KrisFlyer
     Local – RM2.40 for 1 Enrich Mile, Asia Miles, KrisFlyer

Min Income to apply : RM120,000 p.a.

Annual Fees : RM 800. Subsequent years FREE if spend a min of RM80,000 per annum

Advantage :

     Free Hilton HHonors Gold status with 2 stays or 4 nights stay.
   5X Free Access per year to Plaza Premium Lounge in Malaysia & Worldwide.
     Up to 50% off dining privilege in SPG Starwood Hotels.
     Free Green fees access to over 79 Golf Clubs in 15 countries (17 clubs in Malaysia &
      62 international club)
     Free RM2 million Travel Insurance Coverage

Disadvantage :

     High annual income required to apply

More info : Maybank Visa Infinite

7. HSBC Premier Travel World Master

HSBC Premier Travel World Master offers the 2nd highest airline miles earning on
overseas spending at only RM0.91 for 1 airline mile.

Although the minimum annual income of RM36k per year is fairly simple to achieve, yet
there is a catch. You will need to be a HSBC Premier Account holder with at least RM200k in
total relationship with them. So if you are a high saver, apply this premium card to take
advantage on its privileges.

One of the benefit of World MasterCard is you are eligible for Free SPG Gold member after 1
night stay in Asia Pacific. SPG Gold members are given Free Room Upgrades & eligible for
4pm late check out. This status usually requires 10 stays to attain.

Best for : Flight miles earning on overseas spending

Redemption Rate :
   Overseas – RM0.91
     Local – RM4 for 1 Enrich, Asia Miles or KrisFlyer

Min Income to apply : RM36,000 per annum. Exclusively for HSBC Premier account holder
with minimum RM200,000 in total relationship balance with HSBC

Annual Fees : Not Mention

Advantage :

     12X Complimentary Access to worldwide lounge with LoungeKey
     Free SPG Gold status after 1 night stay in Asia Pacific
     Unlimited Wifi worldwide with Boingo
     Free RM750k takaful travel coverage

Disadvantage :

     Need RM200k savings or banking relationship to apply.

More info : HSBC Premier Travel World Master

8. Ambank Visa Infinite

The Ambank Visa Infinite offers Unlimited Plaza Premium Lounge access in Malaysia,
Taiwan, UK, UAE, Maldives, Singapore, Oman, India, Cambodia, Canada, Australia, Brazil &
China making it one of the most generous card especially it is Free For Life.
Complimentary Hilton Premium Club Membership is given which offers up to 50% discount
on dining and special promotion rate in Hilton hotels in Malaysia.

Since it is a Visa Infinite card, holders can take advantage on Free Hilton HHonors Gold
status with 2 stays or 4 nights stay. Hilton HHonors Gold status are eligible for Free Room
Upgrades, Executive Lounge Access and even 4pm Late Checkout which is very worth it. This
status usually need 20 stays to attain.

Best for : Unlimited Plaza Premium Lounge Access, Airline miles earning on overseas
spending, Hilton Gold Privilege

Redemption Rate :

     Overseas – RM1 for 1 Enrich, Asia Miles or KrisFlyer
     Local – RM5 for 1 Enrich, Asia Miles or KrisFlyer

Min Income to apply : RM120,000 p.a.

Annual Fees : Free For Life

Advantage :

     Free Hilton HHonors Gold Status after 2 stays or 4 nights stay.
     Free RM2 million Travel Insurance Coverage
     Complimentary Hilton Premium Club Membership Card

Disadvantage :

     High income to apply

More info : Ambank Visa Infinite

9. Hong Leong Visa Infinite
Best for : Free for life card & Hilton HHonor Gold Privilege

Redemption Rate :

     Overseas – RM1.80 for 1 Enrich Mile
     Local – RM2.80 for 1 Enrich Mile

Min Income to apply : RM180,000 p.a.

Annual Fees : Free For Life

Advantage :

     Free Hilton HHonors Gold Status after 2 stays or 4 nights stay.
     Free For Life
     4X Lounge Access 1st year.

Disadvantage :

     High Income to Apply
     The lounge access is only free 1st year. Subsequent year require minimum cumulative
      retail spend of RM100,000 by cardholder in the preceding year to qualify 4x free. Very
      cheapskate from Hong Leong Bank.

More info : Hong Leong Visa Infinite

10. CIMB Enrich World MasterCard
The CIMB Enrich World MasterCard earn holders RM1.50 for 1 Enrich Mile for overseas &
RM3 for 1 Enrich Mile on local spendings.

One of the benefit of World MasterCard is you are eligible for Free SPG Gold member after 1
night stay in Asia Pacific. SPG Gold members are given Free Room Upgrades & eligible for
4pm late check out. This status usually requires 10 stays to attain.

This card also allows holders 8X Golden Lounge visits provided you fly with Malaysia
Airlines making this benefit rather restrictive for premium card especially Golden Lounges
are just available in Malaysia, Melbourne & London.

Best for : Enrich Miles Redemption & Free Starwood Hotel Upgrade

Redemption Rate :

     Overseas – RM1.50 for 1 Enrich Mile
     Local – RM3 for 1 Enrich Mile

Min Income to apply : RM100,000 p.a

Annual Fees : RM588

Advantage :

     Free SPG Gold member after 1 night stay in Asia Pacific
     8X MAS Golden Lounge Access when flying with Malaysia Airlines
     Complimentary RM1 Million Travel Insurance Coverage

Disadvantage :

     Limited only to earn Malaysia Airlines Enrich Miles
     Less route & lounge choice from Malaysia Airlines compare with Cathay & SIA
     High annual income required to apply
More info : CIMB Enrich World MasterCard

Why Citibank cards aren’t in Top 10?
No, we dont hate Citibank at all. However that is the most frequent asked question from
friends & readers. Apparently Citibank has great marketing, positioning themselves as the
best credit card to own for travels however in reality they aren’t.

To avoid doubts, we have created a table on Citibank cards and how it fared badly compared
to the 10 credit cards listed above.

                          Overseas Spend
                         (RM spend to earn
                              1 Mile)             Local Spend (RM spend to earn 1 Mile)
                                                                                                  Min
                                                Cathay                               Cathay     Income
                          MAS        SIA         Asia       MAS          SIA          Asia         to
 No     Credit Card      Enrich    Krisflyer     Miles      Enrich     Krisflyer      Miles      apply
       Citi
       PremierMiles
  1    Visa             RM2.25     RM2.25       RM2.25     RM4.50      RM4.50       RM4.50      100,000
       Citi Prestige
  2    Card             RM3.50     RM3.20       RM3.20     RM7.00      RM6.40       RM6.40      200,000
       Citi Rewards
  3    Card             RM1.70     RM1.40       RM1.30     RM8.50      RM7.00       RM6.50      60,000
                        RM8.50     RM7.00       RM6.50     RM8.50      RM7.00       RM6.50
                        RM1.70     RM1.40       RM1.30     RM1.70      RM1.40       RM1.30
                        “Bottom points only limited to transaction on few selected merchant
       Citibank         only eg: Airasia, Malaysia Airline, Firefly. The rest will earn above
       Rewards          points. Worst Cap for Travel is RM12,000 a year while other
  4    Platinum         categories only RM1,000 per month                                       36,000

Read more at http://www.tommyooi.com/2017-top-10-travel-credit-cards-apply-
malaysians-no-citibank-isnt-one/#re7d7MqCxHOrSvbs.99
Conclusion

We rank the credit cards mainly by conversion of point to mile, privileges available, annual
income required and lastly the annual fees. We do not receive any commission nor benefits
from any banks. This article is purely for our readers benefits.

Alternatively you can also check out GoBear Malaysia to try out their free credit card
comparison tool.

In 2017 we hope to engage closer with our readers instead of just 1 way flow. If you have
any questions about travel, comment below, perhaps we can write an article on your
questions and enlighten others as well.

Read more at http://www.tommyooi.com/2017-top-10-travel-credit-cards-apply-
malaysians-no-citibank-isnt-one/#re7d7MqCxHOrSvbs.99
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