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Points of View
Explore my personal insights and analyses, delving into finance, travel and technology, reflecting on how these worlds uniquely converge through my lens.
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Featured Article
Best Credit Cards for Supplementary Lounge Access in Malaysia for 2025
As we head into the second half of 2025, the topic of supplementary lounge access is hotter than ever—largely thanks to UOB Malaysia's recent and sudden decision to axe supplementary lounge access across all their credit cards.
5 min read
Essential Travel & Reward Guides
The Ultimate Guide to Earning Enrich Platinum Status
Within the Enrich program, Platinum status represents the highest publicly attainable elite tier. Achieving this level unlocks not only the best perks within the Malaysia Airlines ecosystem but also grants the coveted Oneworld Emerald status.
Apr 1314 min read
Guide | How to Redeem Enrich Miles for Best Value
In this guide, we'll delve into how to maximize the value of your Enrich miles and avoid common pitfalls.
Jul 10, 20243 min read
Key Tips for Making Long-Haul Flights More Enjoyable
Flying long haul in economy class can be challenging, but with some smart strategies, you can make your journey much more comfortable....
Jun 10, 20243 min read
Best of the Best
Best Credit Cards for Supplementary Lounge Access in Malaysia for 2025
As we head into the second half of 2025, the topic of supplementary lounge access is hotter than ever—largely thanks to UOB Malaysia's recent and sudden decision to axe supplementary lounge access across all their credit cards.
Jul 55 min read
What’s the Best Credit Card for Earning Airline Miles via Food Delivery?
Navigating the landscape of earning airline miles through food delivery platforms is a tricky endeavor.
Sep 21, 20243 min read
Which Credit Cards Offer Airport Shuttle Benefits in Malaysia?
While the KLIA Express train offers a swift but costly alternative, many like myself prefer the convenience of door-to-door service.
Jul 28, 20243 min read
The Finer Things in Life
Is It Worth Paying Cash for a Business Class Ticket?
When it comes to air travel, the allure of business class is undeniable.
Jun 29, 20243 min read
Oneworld Alliance | My Favourite Airline Alliance
In an era where the allure of airline elite status may seem diminished—think harder-to-achieve upgrades, devalued award charts, and...
Mar 23, 20244 min read
Are Hotel Statuses Worth It?
If there's one topic of discussion I rarely touch upon in my blog, it's the whole fuss about hotel loyalty programs and their statuses....
Mar 21, 20233 min read
All Points of View Articles
Best Credit Cards for Supplementary Lounge Access in Malaysia for 2025
As we head into the second half of 2025, the topic of supplementary lounge access is hotter than ever—largely thanks to UOB Malaysia's recent and sudden decision to axe supplementary lounge access across all their credit cards.
Jul 5
Are HSBC Credit Cards Still Relevant for Airline Miles in Malaysia?
Across the hundreds of articles published here on Refined Points, HSBC credit cards have barely made a dent in the conversation—except, of course, when we talk about how poor the airline miles conversion rates are on the HSBC TravelOne Mastercard
Jun 29
Does the UOB PRVI Miles Elite Have Poor Lounge Access?
Recent chatter on XiaoHongShu (Chinese social media) has brought to light what many consider to be one of the card’s weakest links—its airport lounge access.
Jun 23
Explained | UOB PRVI Miles Elite 2.4 MPR on Agoda
I know many Refined Points readers have been waiting patiently for this analysis, and I appreciate your patience. I held off on...
May 28
CIMB Travel World Elite vs Maybank World Elite Mastercard
The long-standing rivalry between CIMB and Maybank—once considered the top two banks in Malaysia’s airline miles credit card space—dates back years.
May 24
The Truth About the Standard Chartered Journey
Standard Chartered is a fantastic bank if you’re part of the Priority Banking crowd, but when it comes to mass-market credit cards like the SC Journey, their strategy often borders on misleading—intentionally or otherwise.
May 18
Why the Hong Leong Bank Visa Infinite Could Be the Ultimate Enrich Miles Card in 2025
Following Hong Leong Bank’s unexpected overhaul of its Visa Infinite portfolio, social media sentiment has been overwhelmingly positive.
May 5
Why the Hate Towards Credit Card Gamers is Unjustified
Have we reached a point where accurately assessing the value of the miles you earn on your own credit card is considered improper?
Apr 19
The Ultimate Guide to Earning Enrich Platinum Status
Within the Enrich program, Platinum status represents the highest publicly attainable elite tier. Achieving this level unlocks not only the best perks within the Malaysia Airlines ecosystem but also grants the coveted Oneworld Emerald status.
Apr 13
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