top of page
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.
You are subscribed!
Singapore
Featured Article
My 2026 Airline Miles Strategy
For 2026, I’m intentionally bringing things back down to earth. Yes, Refined Points is usually written for people who already know what MPR means, who already understand transfer partners, and who have already been hurt at least once by a devaluation. But this specific article is written so that even if you’re new to the miles game, you’ll still understand exactly what I’m doing, why I’m doing it, and how you can build your own version of it based on your lifestyle.
33 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 13, 202514 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 5, 20255 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
Which Agoda Malaysia Promotion Is Better: Mastercard or Visa?
Both Mastercard and Visa have been running long-term, year-round Agoda Malaysia promotions for some time now. These are not random bank promos. These are scheme-wide partnerships, and they tend to be quietly renewed year after year.
Feb 13
My 2026 Airline Miles Strategy
For 2026, I’m intentionally bringing things back down to earth. Yes, Refined Points is usually written for people who already know what MPR means, who already understand transfer partners, and who have already been hurt at least once by a devaluation. But this specific article is written so that even if you’re new to the miles game, you’ll still understand exactly what I’m doing, why I’m doing it, and how you can build your own version of it based on your lifestyle.
Feb 8
Explained | Complimentary Business Class Upgrade on Standard Chartered Beyond Visa Infinite Malaysia
On the surface, it reads like a premium headline perk. In practice, it is a mechanically constrained, statistically unfavourable, and strategically misaligned benefit that feels far more like an AUM-conversion lever than a genuine reward for the bank’s most affluent customers.
Feb 5
The UOB Visa Infinite Metal Card’s Wasted Opportunities
While the UOB Visa Infinite has been receiving most of the spotlight lately, there exists a credit card so far above the luxury ladder that many people do not even realise it exists.
Jan 24
Fair Warning | The Benefits of the Singapore Airlines KrisFlyer AMEX Platinum are Greatly Exaggerated
For the longest time, the Maybank Singapore Airlines KrisFlyer American Express Platinum credit card, or KrisFlyer AMEX Platinum for short, has been the backbone of serious airline miles chasers in Malaysia
But beneath all the glamour, there are several obvious, and less obvious, flaws you need to understand before you anoint this card as your daily driver.
Jan 6
Review | Japan Airlines’ Brand-New A350-1000 Business Class
This seat has been attracting an enormous amount of attention since launch—and for good reason. It is, quite frankly, an outstanding product in its own right.
Dec 25, 2025
Which Credit Cards Should You Use for Overseas Spend This December?
As we head into the peak holiday season, it is worth taking a step back and reassessing which credit card you should be using when swiping overseas.
Dec 15, 2025
PSA: Don't Forget To Use Your Credit Card Benefits
We’re closing in on the end of 2025, and whether you’re flying during the peak holiday season or staying put, it’s important to take stock of your annual benefits before they quietly reset on 1 January 2026.
Dec 3, 2025
Which CIMB Credit Card Should You Use Overseas?
With peak travel season approaching, many CIMB cardholders holding both the CIMB Preferred Visa Infinite and the CIMB Travel World Elite will naturally ask the same question: which card should I actually use overseas?
Nov 22, 2025
Follow Us on Social Media!
bottom of page