Jarang Tunjuk Muka. Wajah Dan Keadaan Terkini Mama Fazura Jadi Buah Mulut Warganet. Mengejutkan Ini Wajah Dan Keadaan Terkini Mama Fazura Yang Tak Dijangka.

Dastan

Best Premium Credit Cards in Malaysia For most people, a premium credit card is almost always seen as a sign that you have made it in life. Imagine the thrill of swiping a black credit card when you’re shopping or travelling abroad. If you’re thinking about applying for one, read on as we lay out the benefits offered by a range of premium credit cards, and everything in between. What is a black credit card? A premium or VIP credit card is catered to the mass affluent segment of the society, with an annual income of more than RM100,000. It is more or less the same in terms of utilities and features as the lower to mid-range credit card. The difference is that they usually come with a very expensive annual fee for the benefits and exclusive privileges they offer to the cardholders. If you’re lucky, the bank will sometimes waive the annual fee for you, depending on your cumulative annual spending or a personal discretion. Interestingly, a premium credit card is packed with a list of exclusive benefits which you can’t get from gold or platinum credit card suchlike personalised services, access to some of the prestigious golf courses around the world, complimentary travelling benefits and more. To add on, these special cards are often offered to high net worth individuals and in some cases, by invitation only. Which credit card is the best for me? Let’s take a look at selected premium credit cards with a range of splendid benefits offered by various banks that might come in handy for any unique individual’s needs. Business Frequent Flyers Always flying overseas for business? Well, if you spend half your life frequenting to the airport to catch your next flight, these premium credit cards can be an awesome companion for you to get ahead and away from the busy and bustling crowd. Citi Prestige MasterCard offers an unrivaled experience and privileged access to elite travel. Do you know that Citi Rewards Points and Citi PremierMiles are evergreen? Meaning the points that you collected when you swipe will never expire! There’s a lot that you can do with the rewards points; you can redeem merchandise and vouchers; you can shop and pay using the points that you have collected at Amazon (plus, get instant rewards too!), including transferring your points or air miles to a range of loyalty programmes from global airlines and hotels. On top of that, you will also receive exclusive access to a variety of events, 24/7 concierge services and premium insurance protection while traveling. Minimum income: RM192,000/year Annual fee: RM1,000 (Primary Card), Free for Supplementary Card Upon UOB credit card activation, you will get to indulge into infinite travel experiences! Being a business frequent flyer, travelling back and forth can be arduous and we totally get that. With UOB Visa Infinite, this card works hard to ensure you get to enjoy the journey after your hard work. Every time you swipe your card either globally or locally, up to 8x rewards points is yours to collect and spend. The more you spend, the more points you earn. So what to do with the points then? You can redeem air miles from several airlines to get free flight tickets. If you don’t like your designated seating, you can upgrade it too for free! As a UOB credit card holder, you can apply for a 0% Instalment Payment Plan to convert your purchases into 6 or 12-month payment tenures at 0% interest when you spend at any participating merchants. Minimum income: RM120,000/year Annual fee: RM600 (Waived when spend RM50,000 in a year) If you think that all premium credit cards come with a high income requirement, think again. This Affinbank World MasterCard offers a low monthly income requirement of RM6,666 compared to other black credit cards. That’s not all, Affinbank World MasterCard also offers FREE personal accident insurance of up to RM100,000 in the event of injury, disability, or death upon the cardholder. Minimum income: RM80,000/year Annual fee: RM500 (Free for first year) Emirates, the renowned airline has partnered with Hong Leong Bank in offering this premium Hong Leong credit card for avid travellers. Live like a king or queen that you are and enjoy worldwide recognition or acceptance with this premium credit card. When you activate your Hong Leong Emirates HLB World Elite card, you will stand a chance to receive a complimentary flight to Europe and Skyward Miles Welcome Bonus worth 10,000 miles. You can shop with peace of mind knowing that each time you swipe your premium card, the items that you have purchased will get automatic purchase protection. Additional perks include FREE limousine service, golf privileges, overseas travel and medical insurance with this exquisite Hong Leong Emirates HLB World Elite Card. Minimum income: RM250,000/year Annual fee: RM1,800 Influencers Being an influencer is not as easy as it may seem. An influencer’s job requires hard work, dedication and it takes every inch of passion within them to provide top-notch content for their audiences. A part of their job requires constant travel. We have a list of premium credit cards that work super hard in ensuring your travelling or shopping experience is the best that it can be. Who says only high income earners can apply for a premium credit card? Standard Chartered offers a rather low monthly income requirement of RM7,500 for their World MasterCard credit cards application. Exclusive for avid travellers, there are awesome travel perks with this Standard Chartered WorldMiles World MasterCard. As a Standard Chartered credit card holder, you get to enjoy special 1-for-1 dining deals at over 200 restaurants, cafes and bars via The Entertainer (MY) App. Plus, earn cashback rewards, get cash or redeem gifts at various merchants with the collected points via 360 Rewards. Endless weekday retail offers are also up for grabs too! Groceries shopping also gets more rewarding when you swipe your Standard Chartered WorldMiles World MasterCard as you will get up to 15% cashback at selected supermarkets. Minimum income: RM90,000/year Annual fee: RM600 (Free for first year for new customers only) CIMB Bank offers low minimum income requirements for their Infinite credit card application. When you apply for this Visa Infinite credit card, you don’t need to pay an annual fee for a lifetime. It gets better though; you will also receive a free travel insurance coverage of up to RM1 million when you charge your flight tickets to this premium card. Apart from that, you can relax and unwind before boarding your next flight as you get complimentary access to the airport lounge too. It is impossible to not shop while travelling. With this CIMB Visa Infinite credit card, you will earn cash rebates for every retail transaction you made. Exceeded your credit card limit? Fret not! With CIMB CashLite, you can apply from as low as RM1,000 and up to your available credit limit at a flat interest rate of 9.88% p.a. Minimum income: RM120,000/year Annual fee: Free for life Don’t miss the chance to travel in style with this sleek black premium OCBC World MasterCard, offering you travel perks such as 2x access in a year to the KLIA Plaza Premium Lounge and 24/7 concierge service. With an annual fee of only RM388, this credit card is quite the catch. First-time OCBC credit card applicants also get their first 3 years worth of annual fee waiver. Additionally, you can earn up to 1.2% cash rebates monthly when you spend on the first RM1,000 on all retail purchases with your credit card. Minimum income: RM100,000/year Annual fee: RM388 (Free for first 3 years for first-time OCBC credit card applicants) Golfers Golf is a recreational sport that is loved by the elites. It may cost a fortune when you take into account the cost of the gears, equipment, green fees and golf clubs membership fees. With these premium credit cards, you can get discounts and complimentary access to perfect your swing. This RHB Visa Infinite comes with several great benefits that you surely wouldn’t want to miss. Once you activate your premium credit card, you don’t have to worry about expensive green fees anymore as RHB Golf Privileges grants you ZERO green fees at golf clubs within Selangor and Penang. Additional travel perks are yours to use as well such as endless air miles redemption and unlimited airport lounge access in Malaysia and Singapore. Rejoice if you’re a fan of IKEA as you get to apply for RHB Smart Instalment of IKEA at 0% interest rate whenever you make a purchase of minimum RM500 in a single receipt. Minimum income: RM150,000/year Annual fee: Free for life Choosing the right black card for you Choosing the right premium credit card can be tricky, considering each one of them comes with an enticing benefits package that is hard to ignore. Sometimes the benefits in a premium card can also be found in a lower-end credit card too. These are the key points that you can consider before applying a premium credit card: Annual fee The annual fee for premium cards can reach up to thousands of Ringgit. You may be able to enjoy an annual fee waiver but with conditions as set out by the bank. Outsized privileges From travel benefits, golf privileges to complimentary airport lounges access all over the world, a premium credit card has a lot to offer. However, if you don’t really use these benefits on a regular basis,you will pay a hefty annual fee for nothing. Credit score Premium cards are usually offered to high-income earners and those with excellent credit scores. If you’re eligible, don’t hesitate to apply for a premium credit card and enjoy the benefits to your heart's content!