Malaysia Airlines' Enrich frequent flyer program unlocks some great-value business class flights with Oneworld airlines including Qantas, Cathay Pacific, Malaysia Airlines and more – and earning Enrich miles from your credit card spend couldn't be easier!
American Express, Bank of Melbourne, Bank SA, Citibank, Diners Club, St. George and Westpac all allow cardholders to convert various credit card points into Enrich miles, although some cards award more miles per dollar spent than others, with those below at the top of the ranks.
1. Westpac Altitude Black American Express with World MasterCard
Westpac's Altitude Black credit card duo is currently the best way to earn Enrich miles, with cardholders earning three Altitude Rewards points per dollar spent on the AMEX at home and abroad and also three Altitude Rewards points per dollar spent overseas on the MasterCard: equal to 1.5 Enrich miles per dollar spent, uncapped.
Using the Altitude Black AMEX to pay the Tax Office also fetches the equivalent of 0.75 Enrich miles per dollar spent, while using the MasterCard within Australia delivers 0.625 Enrich miles per dollar, except with the ATO where no points are earned: so just pay your tax bills by AMEX!
The account comes with a single annual fee of $395 and no additional cardholder fee, so you could give your partner or spouse their own set of cards at no extra cost to maximise the points you can earn on your spending.
(As of July 1 2017, the Altitude Black AMEX awards 1.25 Enrich miles per dollar spent and the Altitude Black MasterCard provides 0.625 Enrich miles per dollar spent both at home and abroad, with ATO payments earning no points from the same date.)
2. American Express Explorer Card
Also churning out 1.5 Enrich miles per dollar spent is the American Express Explorer Card: again with no points capping, a $395 annual fee and no additional cardholder fee, although without a companion Visa or MasterCard to use where AMEX isn't accepted.
Instead, you'll get a yearly $400 travel credit to offset that annual charge which you can use towards flights and hotels, and unlike some AMEX cards, full points are awarded on payments to insurers and utilities. Government payments (including to the ATO and Australia Post) attract 0.375 Enrich miles per dollar.
New cardholders who apply and spend at least $1,500 within the first three months will also net a bonus 100,000 Membership Rewards Gateway points, equal to 75,000 Enrich miles when converted across at a 4:3 rate.
3. American Express Business Accelerator Card
This card isn't for everyone, but if you have an ABN, you can earn up to two Enrich miles per dollar spent via the American Express Business Accelerator Card in exchange for a $160 annual fee.
That's done by earning two Membership Rewards Ascent points per dollar which convert to Enrich on a 1:1 basis – unlike the 4:3 conversion rate used by the Gateway program attached to the Explorer card.
After earning 100,000 points in a single calendar year (after $50,000 of spend), the 'everyday' earn rate halves to one Enrich mile per dollar, except on insurance, utility and government payments which always attract the equivalent of 0.5 Enrich miles per dollar.
4. American Express Platinum Edge / Platinum Charge
Both the American Express Platinum Edge credit card and the AMEX Platinum Charge Card offer one Enrich mile per dollar on everyday spend and 0.5 Enrich miles per dollar on government, insurance and utility transactions, but serve up double and even triple points on various transactions to maximise your points where you spend the most.
For instance, slip the AMEX Platinum Edge credit card into your wallet and reel in the equivalent of three Enrich miles per dollar at major supermarkets and two Enrich miles per dollar at major petrol stations, with no annual fee in the first year (usually $195) and a yearly $200 travel credit to spend on flights and hotels.
Or, pay your next restaurant cheque with the AMEX Platinum Charge Card to earn three Enrich miles per dollar spent, with two Enrich miles awarded per dollar on all overseas charges plus flight and hotel bookings in Australia. There's a $1,200 annual fee, but you do get a $300 travel credit, unlimited airport lounge access with several airlines including Virgin Australia and much more in return.
5. St. George Amplify Visa Signature credit card
American Express cards make earning Enrich miles very easy, but there are times where Visa (and MasterCard) are more welcome – and it's in those places that the St. George Amplify Visa Signature credit card proves useful.
With no points capping, you'll amass the equivalent of 0.75 Enrich miles per dollar spent in Australia and an impressive 1.5 Enrich miles per dollar spent abroad, with no annual fee in the first year ($279 thereafter).
Every year when your birthday rolls around, you'll also be gifted a 10% bonus on the points you've earned over the past 12 months, elevating the 'true' earn rates to 0.825 Enrich miles per dollar at home and 1.65 Enrich miles per Aussie dollar spent overseas.
(From July 1 2017, the increased earn rate on international transactions will be removed, with all transactions earning the equivalent of 0.75 Enrich miles per dollar. The 10% birthday bonus remains, however.)