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How we rank the best Enrich credit card

Each bank earns its own points and converts them to Enrich at a different rate. Some cards earn Enrich directly.

To find the best Enrich credit card fairly, every card is converted to the same measure: Enrich points earned per RM1 spent, after the bank’s conversion rate.

How to read the ranking

  • Enrich / RM1: how many Enrich points you earn for every RM1 spent in that category.
  • Conversion line: shows how bank points become Enrich (for example, 5,000 bank points → 1,000 Enrich), or “Direct Enrich” if the card earns Enrich directly.
  • Top 15 per category: the best Enrich credit card for dining may not be the best for petrol or overseas spend.

Choosing the best Enrich credit card for you

  • Check the caps: a high rate may only apply up to a monthly limit.
  • Check the income requirement: many top Enrich cards are premium cards.
  • Check the annual fee and whether you can meet the waiver condition.
  • Use two cards if your top categories are led by different cards.

Frequently asked questions

Are cards sponsored or paid to rank higher?
No. Rankings are based only on each card’s earn and conversion rates.

Why do several cards show the same rate?
Different cards can convert to the same Enrich per RM1. Compare their caps, fees and income requirements to choose.

How many points do I need for a flight?
See the Enrich Points Redemption Library, or book on the official Malaysia Airlines Enrich website.

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