Redeem your first flight to exotic locations!

siem reap

Siem Reap





club med bali


…and many other places just by signing up! It’s a proper card for travelers! πŸ˜€


You have credit cards for gas, food and other dedicated stuff. There’s even dedicated cards for travelers but usually they don’t go across the board in airlines e.g. they’re fixed to a particular airline. Travelers like me like the flexibility to choose so this one is perfect for me.

The thing that really piqued my interest is the ability for you to convert your points to various airlines!

(actually, that wasn’t the first thing that caught my eye – it was the name in the sample credit card – the generic name they used is my brother-in-law’s name)

standard chartered worldmiles

The Standard Chartered WorldMiles card earns you 1 WorldMiles Point for every RM 3 local retail purchase or RM 2 overseas retail purchase. You can then convert the points on a 1:1 basis with three different frequent flyer loyalty miles/points (of which I own all three, amongst other frequent flyer cards).

1 WorldMiles Point can be converted to:

  • 1 Malaysia Airines Enrich Mile
  • 1 Singapore Airlines KrisFlyer Mile
  • 1 AirAsia BIG Point

This is the ultimate selling point for me. I honestly got so excited that I want to make this my regular primary credit card.

kuta bali

As you all know, I travel quite a bit. It’s a hobby of mine. I’ll go so far as to say it’s my lifestyle. Thus, having a credit card that allows me to earn points for holidays and vacations and even convert those points to an airline of my choice is an *irresistible* attraction.

There’s even a 15% discount on Asiatravel hotel and land packages!

You use your credit card for large purchases, grocery shopping and bills anyway, so why not be rewarded while you’re at it? The best thing about the Standard Chartered WorldMiles card is that you get 25,000 BIG Welcome Miles instantly!


You’ll need to sign up to the AirAsia BIG Loyalty Programme (it’s their frequent flyer miles card) and once you have a BIG account, you’ll get 25,000 BIG Welcome Miles credited within 5 working days upon approval of your credit card application. It takes less than 5 minutes to sign up for a BIG account.

I agree, this is really, the credit card that takes you to more places, more frequently! It’s good when your credit card gives you more holidays indeed.


You can use the complimentary 25,000 BIG Welcome Miles to redeem AirAsia flights to Melbourne, Kathmandu, Seoul, Hong Kong, and many more. Thus, your first flight could very well be redeemed!

The 25,000 BIG Welcome Point promotion runs until 31st December 2013 but it’s good if you can get the credit card earlier so you can use the points on the various AirAsia promotional periods since the prices of tickets can fluctuate. I reckon you might as well keep it there for use when you’re planning a holiday!


You’ll definitely see me using this card as my primary credit card. I just love to travel and for all the cards I’ve seen, this is the best one for travelers! The promotion is only open to new card applications so I’m going to go for it. Sign up for the Standard Chartered WorldMiles card here. I know I just came back from a holiday, but I want to go for another one.

You can never be too rich, too thin, or have too many vacations. πŸ˜‰

One Easy Saturday Night

1. Gas (RM 50.63)


I just did this to verify that my new debit card is working. I just got it a couple of minutes ago so I went to the petrol station and used it to verify that it’s been activated. I do this with my credit card too – for a completely different reason – to check if I’ve exceeded the limit. smirk

2. Dinner (RM 46.85)


Xinxian went the opposite of the β€œLook East” policy and we searched for a place that serves the cuisine that she wanted – ended up eating at Pancake House where there were savory pancakes in addition to sweet ones. I had the Classic Country Pancake.


She had the Best Taco Special set.

halo halo

We both ordered Halo Halo coz it says that it originates from the Philippines and since we’re heading there I thought it’ll be fun to eat this here and compare it with the authentic (at least geographically) one when we head there in about a week or so.

dinner bill

Not a bad place for a quick dinner.

3. Shopping (RM 199)


It has come to my attention that my style of dressing leaves a lot to be desired – the vibe I got was that I look horrigible in what my current wardrobe repertoire offers so when Xinxian broke the news to me we went searching for attire that would not be so offensive to her eyes.


I admit that my fashion sense may be slightly different – I love this pair of sneakers for example, while Xinxian just thought it was loud and garish.


I don’t buy a lot of clothes, preferring to spend the money on experiences like travel, but since there was a sale going on, and I had a self-appointed fashion consultant, I got a long sleeved checkered shirt. It was originally RM 199 but with the 50% discount, it went down to RM 99.50 which is about just slightly less than one night in the cheapest backpacker’s hostel I could find in London.

4. Movie (RM 22)


We watched a Cantonese film called The Silent War which I didn’t expect much out of but it surprised me by having a well thought out plot (albeit cliched and predictable) and great production values compared to the Chinese New Year movies I tend to watch.


There’s no slapstick humor and the character development is great, I’ll rate it a 7/10 – extra points for it being one of the rare Hong Kong films that’s actually good instead of something slapped together, filmed at the speed of light, and brought to you with minimal post production but a hefty dose of crude humor to compensate for the complete lack of a cohesive storyline, character development and depth.

At least you don’t see the audio boom in this movie – a endemic problem with low budget CNY movies. Heh.

I paid for everything using my debit card and managed to keep track of everything spent that night and I’m spending what I just put in earlier that evening.

easy debit card

The debit card in question is the new RHB Easy-Smart Debit Card. It’s available at all RHB Easy outlets, I went to the one in Kelana Jaya LRT. That’s the beauty of this – the outlets are all at high traffic areas and open 7 days a week!

easy by rhb

Best of all, you can get everything done in 10 minutes by just walking in!

All you need is:

Your MyKad
10 minutes of your time
RM 20 for opening an account

I timed the entire process and it actually took only slightly more than 8 minutes. I was taking photos the entire time and I have the exact time – 8:36 minutes – from the first shot that I took to the final one. Heh.


I hate filling out forms. I think I’ve mentioned that a lot of times before. You don’t have to worry about that here as everything is done automatically – it’s either pulled from your MyKad and you just tell the teller the rest of the information.

I was serviced by one Mr. Nasri Nasir who was very helpful throughout – kudos for the efficiency!


Basically, the beauty of the new RHB Easy-Smart Debit Card lies not only in:

  • 10 minute walk-in banking with just your MyKad
  • On-the-spot approval
  • No forms to fill

…but also the unique cash kickbacks that RHB offers with the use of the debit card. I’ll insert a chart to illustrate it better.

easy chart

Thus, you actually open two accounts when you get the new RHB Easy-Smart Debit Card. You get double cash savings automatically, whenever you use your debit card. It all goes into your Easy-Smart Account 2 (think of it as a savings account) while your Easy-Smart Account 1 is your primary account.


The beauty of this system is that you automatically save (which is an awesome way of forcing people who have problems saving to actually save) each time you use your debit card from your contribution and the bank’s even higher contribution, all of which goes into your Easy-Smart Account 2.

To add icing to the cake, you can get up to 10% interest per annum on your Easy-Smart Account 2!


Thus, that night, I have saved a total of RM 0.50 (charges made after midnight won’t be tabulated until the next day), and that’s not counting the 10% p.a. interest.

It’s an easy way to budget too, since you’re on a debit card you’re using money you already have instead of purchasing on credit. Granted, credit cards have its own place in the entire system especially for travel but a debit card is a good and almost essential addition to your banking arsenal, almost as good asΒ Umay Plus in Thailand.

savings account

Using the new RHB Easy-Smart Debit Card allows me to carry less cash and use the card instead, which is mighty convenient. You’re going to spend that money anyway, so I figured using the debit card instead of cash would be more useful in the long run due to the awesome and unique savings method that funnels all purchases made into a special β€œsavings” account called Easy-Smart Account 2.


RM 0.99 might not sound like a lot but you know how it goes – sikit sikit lama lama jadi bukit. I’ve already saved that from one night out alone while if I’ve used a credit card, cash, or a different debit card, I would not have managed to save anything at all. It’s a great alternative to cash for me and it’s an easy way to save each time you spend! πŸ™‚

Credit card paid in full!

credit card paid in full

I’ve written about this on my FB and thought it was eventful enough to warrant a re-post. I just paid off my entire credit card bill…in one shot.

Why did I do something like that? *smacks forehead

I need *cash* for CNY not *credit*.

However, for the first time in (recent) memory, I have paid every single red cent of my credit card outstanding balance.

Damn that hurt.

I now owe RM 0.

Damn that feels good.

It’s like S&M, it feels good and hurts and the same time.

Credit cards – boon or bane?

visa gold

I have just received another credit card – it’s a Petronas Visa Gold card from Maybank with no annual fees for life with no conditions. I didn’t apply for it since I’m not a big fan of filling in forms, but someone from the bank called me and told me I qualify for one and asked if I was interested. I told her I don’t like filling out forms (seriously, I hate doing that) but she can go ahead and fill in my particulars for me if she needs the quota, I’ll just make sure there is no High Risk Credit Card Processing wherever I decide to use it

Well, I got a call yesterday saying that the Petronas Visa Gold is ready to be picked up. I’m actually quite lazy to do stuff like that as well, I remember a HSBC credit card that I never picked up coz the place is too far away from where I work. My girlfriend wanted to go to the bank though, so I decided to pick this one up during lunch. I figured it’ll be useful for gas since I pump petrol at Petronas and it’ll soften the petrol price hike with the points for redeeming petrol vouchers.


However, I have noticed that I always tend to overspend, which is why I don’t carry credit cards in my wallet anymore. I used to have several cards from different banks and ran up a huge debt when I started working. I have to admit that I was never any good at budgeting and I always spend way beyond my means. The amount of money I have in the bank at the end of the month is always in the single digits. Seriously.

Nowadays, banks are overenthusiastic in giving out credit cards – cold calling and going to the extent of filling in all your details for you. It seems that Classic (Silver) cards are reserved for students and fresh graduates starting work since they don’t even offer those anymore. They are very keen on giving out Gold and Platinum cards with high credit limits with impunity, which is great for the bank, but bad for the holder. I can see the potential of overspending on this card already.

I was talking to my girlfriend last night about going on a trip this coming holiday. She likes the beach so I was thinking either Krabi, Bali or Macau. Macau was my choice since there are casinos there and I have this inappropriate romantic sentiment that I’ll beat the house odds and win the trip costs back. πŸ˜‰ It’s seriously a bad idea though, coz no one ever beats the house.


Bali would cost around RM 2,500 for the plane tickets alone for the both of us ex-Sibu and I think the total trip would probably hit the RM 5,000 mark easily with hotels and food. I shouldn’t even be thinking about it considering I can’t afford 5k right now (since I don’t have that much disposable income in the bank, and thus will be flying on credit).

…but the fact that I’m even considering it seriously is a testament to the fact that credit cards with high credit limits causes people like me to overspend.

I should be dating an accountant, the last girlfriend I had would have knocked me upside the head (coz she’s good at budgeting and all that) for even considering going on the trip. Oh wait, my current girlfriend is technically an accountant too. πŸ˜‰

Oh well, I’m thinking about Krabi, Thailand. It’ll be cheaper than Bali and I haven’t been there before.

Hmm…should I or should I not?

Anyway, I haven’t given my girlfriend an official moniker yet – I’m thinking Dapple (20% related to her name) or Melody (near 100% translation of her Chinese name). The relationship will remain under wraps until further notice due to prevailing circumstances. πŸ˜‰

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