Updated September 29, 2026 · SumCue Editorial Team
Emirates vs RinggitPlus Credit Card
RinggitPlus Credit Card
Emirates
Higher score in this comparison
Where Emirates and RinggitPlus Credit Card differ
| Compare | EmiratesReviewSee alternativesSee alternatives | RinggitPlus Credit CardReviewVisitVisit |
|---|---|---|
| Annual fee | $99 | MYR 195 |
| APR | 19.49% to 29.49% | 15%Lower |
| Rewards type | Miles | Cashback |
| Rewards rate | 3 Miles per USD 1 on Emirates spend, 2 Miles per USD 1 on travel spend, 1 Mile per USD 1 on all other spend | up to 10% |
| Balance transfer intro period | 12 monthsHigher | 6 months |
| Balance transfer fee | 5% | 0%Lower |
| Currency conversion fee | 0% | Not confirmed |
| Perks | Emirates Skywards Silver tier status for 12 months (Rewards World Elite Mastercard), Skywards Miles do not expire while the card account remains open, 25% discount on purchase or gift of Skywards Miles when paying with the card, Priority Pass Select lounge access (Premium World Elite Mastercard), USD 120 statement credit for Global Entry or TSA PreCheck application fee every 4 years (Premium World Elite Mastercard), No foreign transaction fees on international purchases | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Emirates scores higher overall: 9.1 vs 8.8.
- Founded is lower at Emirates: 1985 vs 2013.
- APR is lower at RinggitPlus Credit Card: 15% vs 19.49% to 29.49%.
- Balance transfer fee is lower at RinggitPlus Credit Card: 0% vs 5%.
- Balance transfer intro period is higher at Emirates: 12 months vs 6 months.
- Support channels: only Emirates offers Phone, Help centre.
Our verdict on each
Emirates
Emirates Skywards fits people who spend with the airline and travel often, and rewards their miles rather than their balance. Interest is costly at 19.49% to 29.49%, so the card only earns its place for customers who clear it in full each month.
RinggitPlus Credit Card
RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.
Score breakdown
| Area | Emirates | RinggitPlus Credit Card |
|---|---|---|
| Cost | 8.7Costs $99 a year, far above a €0 median across the cards ranked here. | 9.2HigherAnnual fee of MYR 195 with transfer fee of 0% shapes overall cost. |
| Offer | 9.3HigherPays miles with no foreign transaction fee at 0%, plus tier status and lounge access. | 8.7Cashback of up to 10% in cashback form via rewards defines appeal. |
| Trust | 9.2Higher | 8.4Linked to Jirnexu Sdn Bhd with help via email and chat for queries. |
How they place
| Ranking | Emirates | RinggitPlus Credit Card |
|---|---|---|
| Credit and debit cards | 395 of 1594 | 48 of 1594 |
| Balance transfer cards | 13 of 32 | 1 of 32 |
What we checked
Emirates
- emirates.com: 14 facts, checked September 26, 2026
RinggitPlus Credit Card
- ringgitplus.com: 13 facts, checked September 29, 2026
Every fact side by side
| Fact | Emirates | RinggitPlus Credit Card |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Emirates | Jirnexu Sdn Bhd |
| Headquarters | United Arab Emirates | Malaysia |
| Founded | 1985Lower | 2013 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat |
Where each stands against the rest
| Fact | Emirates | RinggitPlus Credit Card | Median |
|---|---|---|---|
| APR | 19.49% to 29.49%above the median | 15%above the median | 11.635 |
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
| Balance transfer intro period | 12 monthsat the median | 6 monthslowest quarter | 12 months |
| Balance transfer fee | 5%highest quarter | 0%lowest quarter | 3% |
Median across 486 listed providers.
Pros and cons
Emirates
Pros
- Balance transfers cost 5% and carry an introductory period of 12.
- Skywards Miles do not expire while the card account stays open.
- Support runs on email, chat and phone, so phone, chat, email and a help centre are all covered.
Cons
- The annual fee of $99 sits far above bunq at €0.
- An APR of 19.49% to 29.49% is higher than the 14.45% median across ranked cards.
- Rewards are miles, so the value depends on how often you fly with Emirates.
RinggitPlus Credit Card
Pros
- Cashback of up to 10% with cashback focus for everyday spend
- Balance transfer fee of 0% with cover for 6
- Support access through email and chat for written queries
Cons
- Annual fee of MYR 195 applies even when spend remains modest
- APR of 15% adds borrowing cost when balances carry over
- Support runs on email and chat only for account queries
Who each suits
Emirates
Who it suits
- Emirates flyers who put most of their spending with the airline and want miles that do not expire
- Travellers who pay abroad often, since the currency conversion fee is 0%
- Anyone redeeming miles for tickets rather than cash back, given the rewards type is miles
Who should look elsewhere
- bunq, where a fee of €0 suits readers who want no annual cost and no airline loyalty tie
- Wise, at £0, for a spending card held across currencies rather than a miles card
- Varo Believe Secured Credit Card, at $0, for building credit history rather than collecting miles
RinggitPlus Credit Card
Who it suits
- Shoppers seeking cashback rewards for routine retail spend
- Planners seeking a short transfer window with low upfront cost
Who should look elsewhere
- Fee sensitive users who prefer eToro because annual charges differ
- Fee sensitive users who prefer Bitpanda because annual charges differ
Current offers
Emirates
Current offer
Bonus
Emirates Skywards Silver tier status for the first year with the Rewards World Elite Mastercard: Emirates Skywards Silver tier status for 12 months from card account open date
Primary cardholders only; to retain Silver tier from the second year onwards spend USD 20,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
Bonus
Emirates Skywards Gold tier status for the first year with the Premium World Elite Mastercard: Emirates Skywards Gold tier status for 12 months from card account open date
Primary cardholders only; to retain Gold tier from the second year onwards spend USD 40,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
RinggitPlus Credit Card
Current offer
Bonus
UOB Credit Cards Promotion: Apple iPad Pro M5 + RM188 TNG
Apply, approved by 18 Nov 2026, activate and spend RM200 in 60 days for UOB ONE Card
Source, checked September 29, 2026
Country by country
| Country | Emirates | RinggitPlus Credit Card |
|---|---|---|
| Malaysia | No | Yes |
| United States | Yes | No |
Questions about each
Emirates
What does the Emirates credit card cost to hold?+
The card charges an annual fee of $99. Beyond that, the only other cost listed is a currency conversion fee of 0% on foreign purchases, so cardholders spending in another currency are not surcharged on top of the fee.
What interest rate applies to a balance?+
Balances carry an APR of 19.49% to 29.49%, above the 14.45% median across the cards ranked here. That rate is the reason the card suits people who pay in full, since interest at this level quickly outruns the miles earned.
RinggitPlus Credit Card
What annual fee applies to this card+
The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.
How does the purchase interest rate work+
Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.
Other options to compare
RinggitPlus Credit Card
Emirates