Pardon us for the title if it sounds like any other clickbaity headline you would find on the sidebar of a tabloid news site. But we promise you – this is the real deal.
With AirAsia Credit Card, you can turn your everyday expenses into free flights. Yes, that includes your groceries, petrol and monthly quota of Zalora clothes! These are all the things you are already spending on, and you don’t even have to change your lifestyle.
But first, if you aren’t familiar with credit cards and the different types, let’s go over some basics.
What Magical Credit Card Is This?
There are all kinds of credit cards out there that offer you different types of rewards, including cash back, rewards, petrol and air miles. Let us explain each of them with this handy list. Click on the link below to jump into each section:
- Cash back credit card
- Rewards credit card
- Petrol credit card
- Co-branded credit card
- Air miles credit card
1. Cash back credit card: Lets you earn cash when you spend
What’s the catch?
- There’s a monthly cap to how much cashback you can earn, sometimes as little as RM15
- There’s a set percentage of spending that will turn into cash, sometimes as little as 5% (thus it’s not easy to meet the cap)
- There are some cards that offer high percentages and high cap limits, but they also require a minimum monthly spending, sometimes as high as RM8K
- There are also a lot of other conditions such as eligible days, merchants and countries
- Categories that are entitled to cashback are limited, the most common ones being groceries and petrol
What’s the catch?
- Each bank and credit card have their brand of rewards points – each with their respective earning rates (a.k.a lots of headache trying to calculate them)
- Value of rewards points are subject to change at the bank’s discretion
- Usually you need A LOT of rewards points before you can redeem anything, so you might need to wait for a few years before you can redeem a mere blender
- The reward points needed to claim any particular goodies are also usually fixed, so there’s no chance for you to wait for a promotion hoping that the points requirement is gonna be lower
- Categories that are eligible for cashback are limited, the most common ones being groceries and petrol
What’s the catch?
- You only get the benefits with that particular brand
- Some petrol credit cards impose different rewards for different days, so you might find yourself saving that last drop of RON95 so you can fill during the weekend
4. Co-Branded credit card: Lets you earn bonus benefits & benefits when you shop with selected merchants
What’s the catch?
- You only get the bonus benefits with selected merchants
- Some co-branded credit cards impose different rewards on different days, so you might find yourself saving that last bit of rice so you can restock over the weekend
What’s the catch?
- You only get the bonus benefits with selected airlines (this can be a good thing if you stick mostly to just one airline)
- Some cards do have an expiration date for their miles, usually around one to three years
- Of course, you can only use the rewards for travelling
- However, they are good things about them, one being no cap for points that you can earn
- There’s also no minimum spending required – as long you spend, the points/miles are going to keep rolling in the deep (You could’ve had it all~~~)
So, provided that you love travelling, an air miles card is the best credit card due to its lack of restrictions. You can swipe any day of the week, on any category of spending, with no minimum spending or cap limits!
But Wait, It’s Even Better with the AirAsia Credit Card!
Unlike most air miles cards that require you to spend a lot even to get 1 point, the AirAsia Credit Card rewards you with up to 6 BIG Points for every RM1 of your daily spending! Aside from that, with the AirAsia Platinum Credit Card, you can earn 1 BIG Point for every RM3 spent locally and 1 BIG Point for every RM2 spent overseas.
There’s also no limitation on the categories that are eligible for BIG Point. You can earn BIG Point when you spend on groceries, dining, petrol, online shopping, bills, and even manual transactions such as insurance payments.
To illustrate this point, here’s an example of how a typical, middle-class 20 to 30-something’s expenditure chart, and how they can redeem free flight in just a month! Save this photo in your phone, forward it to your friends, family, and that crush you’ve been wanting to approach but have no talking points to do so.
Another smart way of maximising your BIG Point is by hooking up your AirAsia Credit Card to your e-wallet. In addition to being rewarded for your transactions using the BigPay e-wallet, BigPay is also useful when you travel, as the debit card provides the best conversion for foreign exchange.
Sometimes we don’t even withdraw money from the ATM when we travel and just use BigPay, especially in countries like Japan and China, which accept credit cards almost everywhere!
(In Japan, you do still need some coins for that sweet vending machines though, just saying)
But here’s the best part, the reason why you need to accumulate all of these BIG Point in the first place:
Maximise the Full Value of Your BIG Point
Now that you’ve started earning BIG Point like a BIG shot, we are going to share how you can get the maximum value out of them.
While you can use your BIG Point to deduct your travel cost on the spot, it’s even more valuable if you use it to redeem flights during promotions! To illustrate, let’s start with Krabi:
On normal days, this is the cost for a flight from Kuala Lumpur to Krabi, which is RM290.
However, if you redeem flights during promotion periods, it can get as low as this:
So you only need to spend what you have always been spending anyway, and get a free flight by the end of the month!
And this calculation only takes into account local spending, which gives you 1 BIG Point for every RM3 spent locally. As we said before, you can get 1 BIG Point for every RM2 spent overseas, and up to 6 BIG Points for every RM1 spent on AirAsia flights and products!
For example, if you purchase an AirAsia flight worth RM83 using the AirAsia Platinum Credit Card, you’ve already earned the 500 BIG Points you need!
It’s like paying for ONE holiday and getting a BONUS holiday. (And we can confidently tell you, no other credit card in the market can give you so much benefits.)
Wait for it…
Oh you silly summer child. We’re only getting started.
When you sign up for an AirAsia Credit Card, you don’t only get up to 6X BIG Points, you also can enjoy these amazing goodies*:
- Up to 25,000 BIG Points (your Welcome Bonus + Quarterly Bonus)
- No Annual Fee on the first year
- So much Priority! (Priority Check-In, Boarding, Xpress Baggage) *
- Instant Upgrade to BIG Platinum Membership, which gives you 7X BIG Points for every RM1 spent on AirAsia flights and products
- And for the AirAsia Platinum Credit Card holders, free Introductory Onboard WiFi!
*Terms and conditions apply.
Let us repeat: if you want to transform your everyday spending into free flights – THIS is a credit card for you.
Plus, if you’re feeling charitable and have so much capacity for platonic love, you can always book a flight and use the points as a gift to your friend’s own holiday 🙂
Our advice? Just use this as your main credit card for your everyday spending and offer yourself to pay when dining with friends (which doubles as asserting dominance among them).