Featured Banks
Need Help
Have a Question, Inquiry, or Feedback for Loanstreet?
Give us a call or drop us an email today.
Give us a call or drop us an email today.
Combine all your spendings to earn rebates of up to 8% on fuel at any Shell petrol station nationwide with Shell-Citi Gold Credit Card!
For your auto bill payments, online purchases, petrol, and all your daily spends, you can get more than RM 1,000 cash back every year!
This is a card that is suitable for ladies, courtesy of AmBank. Get2X BonusLink Points whenever you shop, and on top of that female cardmembers get free health checkups, car assistance, and wallet ...
Start collecting Reward Points to redeem gifts, dining deals, shopping vouchers, travel packages and many more!
This Platinum Visa card by AmBank let's you earn 2X BonusLink Points whenever you shop. Besides that, women cardholders also get to enjoy exclusive privileges like health checkups, car-assistance, ...
Enjoy discounts and great deals locally and overseas! Plus, you get to enjoy up to 8x Reward Points when you shop at Mid Valley or the Gardens mall!
Here's a card that lets you choose how you want to earn your rewards!
With the Standard Chartered Visa Platinum credit card, you can easily multiply your points and rewards from your monthly spending!
This card offers you comfort between trips with exclusive travel packages and merchant offers across the region!
Like rewards? The HSBC Visa Signature credit card provides you with the most irresistible reward points deal!
A card that is tailored towards women. Ladies cardmembers get exclusive privileges like free health checkups, car assistance, and wallet guard coverage
Enjoy up to 10% cash back on all your purchases with no minimum spend with Citi Cash Back Platinum Card!
The Citi Rewards Visa Signature Card gives you 5X Rewards points when you shop for everyday purchases, or when you travel - all year round.
Looking to fuel your jet-setting lifestyle? Now you can earn PremierMiles for every RM3 spent and redeem flights from over 90 airline partners! On top of that, you'll get unlimited access to select...
Earn up to 5X Rewards points when you shop for everyday purchases, or when you travel - all year round.
Citi Business Platinum Card is a great choice for balancing your business and lifestyle needs. Earn unlimited 1.2% cash back on overseas spending and 0.5% on local spending, including complimentary...
When you're on time, you deserve the credit. Citi Simplicity+ Card gives 10% interest back every month for on-time payments. Plus, there is no late payment charge, no over limit fee and no annual fee!
With Citi Prestige MasterCard, you can get 250,000 Citi Rewards Points when you apply for your card today!
Get more cash back when you spend your RHB Islamic Smart Value Credit Card-i on groceries, petrol, online shopping and utility bills!
The card that bring you a world of privileges and payment convenience!
Enjoy numerous privileges and benefits by carrying AFFIN ISLAMIC Mastercard Classic!
With this Shariah compliant credit card, you can get first year annual fee waiver!
Receive low finance rates and earn rewards points with AFFIN ISLAMIC Platinum MasterCard!
Be relaxed while travelling where you get to enjoy complimentary lounge access and have insurance travel coverage!
The Muslimah Card is the latest Credit Card-i issued by Bank Rakyat specifically for women. It is the one and only shariah-compliant Credit Card-i for women in Malaysia.
This card provides you with 3X financial limit of your monthly salary
Cardholders can pay zakat (tithe) via standing instructions, auto-debit, internet and EDC terminals at Pusat Zakat counters.
Get the benefits of two cards in one sign up and one statement!
Get the benefits of two cards in one sign up and one statement!
Get world class privileges at restaurants, retail stores, and golf courses worldwide with Maybank 2 Cards Premier!
Enjoy unlimited Cash Back, no minimum spend and no rebate cap!
Want to shop like a VIP? This is the card for you where you can get exclusive Platinum privileges and earn up to 5x Membership Rewards Points!
Earn up to 5x reward points and enjoy golf privileges with RHB Rewards Credit Card!
Earn 5X Reward Points when you pay any MyEG related services using this card!
Get up to 5% cash back and 1X SOGO reward points whenever you shop in SOGO-KL!
Unlimited retail cash back, golfing privileges, and travel insurance. If your world is business and your business is around the world, then the RHB Platinum Business card is definitely for you!
This awesome money for value card will give you as much as 5% cash back on groceries, petrol, dining and utility!
Enjoy up to 6% cash back whenever you travel, fill petrol and dine!
Earn 5X Reward Points when you spend overseas, enjoy complimentary green fees on golfing and experience travel comfort reserved only for the elite. Discover a world of Infinite possibilities unlike...
With the AEON BiG Visa Gold Card, you can save more by earning more cash back all year long!
Enjoy great rebates and rewards when you shop at any AEON BiG Stores or any other transactions!
This card rewards you with exclusive birthday rewards, exclusive invites and promotions, exclusive sign-up or renewal rewards and many more!
The NEW AEON Gold MasterCard lets you earn AEON Member Rebates and gives you discounts from a wide selection of merchants!
With this card, you can enjoy marvellous privileges with merchants and get worldwide travel assistance!
Collect AEON Member Points and redeem amazing gifts using the NEW AEON Classic MasterCard!
Love to do your shopping at AEON? Then this is the card for you! Enjoy great deals and exclusive benefits that will enrich your shopping experience at AEON!
Do you like to shop at AEON? The AEON Gold Visa will offer you great deals and exclusive benefits to enrich your shopping experience!
An affordable everyday card that you can use to get great rewards, discounts, and payment flexibility!
Get an affordable everyday card that you can use to get great rewards, discounts, and payment flexibility with AEON Classic MasterCard.
AFFINBANK brings to you a "World of Privileges and Payment Convenience". Enjoy numerous privileges and benefits by carrying AFFINBANK World MasterCard.
With the AFFINBANK MasterCard Gold, you can enjoy low finance charges and collect reward points!
Be rewarded for better living with AFFINBANK Mastercard Classic and enjoy low finance charges!
Enjoy the benefits of AFFINBANK MasterCard Gold and Touch 'n Go in one credit card!
Enjoy the benefits of AFFINBANK MasterCard Classic and Touch 'n Go in one credit card!
Enjoy low finance charges and get petrol credit of RM 20 upon approval with AFFINBANK BHPetrol "Touch & Fuel" MasterCard Contactless!
Shop and travel with peace of mind with this starter credit card that has a lifetime waived annual fee!
With the AFFINBANK Visa Gold, you can enjoy low finance charges and collect reward points!
Be rewarded for better living with AFFINBANK Visa Classic and enjoy low finance charges!
This starter credit card's lifetime zero annual fee makes it an ideal card for first-timers!
The all-access pass to the finest luxurious; exclusive dining experiences and premium deals worldwide!
Earn up to 3X Timeless Bonus Points and enjoy the exclusive discounts and privileges at participating merchants!
Get the maximum reward of Timeless Bonus Points and enjoy the most out of your lifestyle on variety spending!
Earn the Timeless Bonus Points on every Ringgit you spent and enjoy the exciting discounts!
Delight yourself in all your favorite things and enjoy zero interest rate repayments at a selected group of exclusive vendors!
Every local or overseas purchases by swiping your card lead you closer to the holiday. Swipe your card and redeem the free flight!
Swipe your card and redeem free flight from Malaysia Airline or Air Asia. Get the Timeless Bonus Points that will never expire!
Get the 3% cashback on every spending with your unique personalized Alliance Bank You:nique credit card now!
Customize your credit card with your favourite image and enjoy great savings with a low interest rate of 9% p.a. only!
Earn points faster and maximize your rewards with Alliance Bank You:nique Credit Card! You can also customize your card with your favorite image!
Share your reward points to any Chinese Independent School and promise your Timeless Bonus Points for the things that matter.
Get your exclusive Malaysia CPA Australia member card with no annual fee and 0% profit interest for CPA exam fees repayment plan!
0.3% cashback when you spending at Allianz general insurance. Get this exclusive customized credit card for employees and agent of Allianz General Insurance Company (AGIC)!
Let's go back to the basic and forget all the complicated rewards, condition with this Alliance Visa Basic Card! Enjoy the easiness in this card!
A world class card for globe-trotting travellers. Fast track your frequent flyer miles and get 5X reward points for your spending!
Earn up to 2X reward points, enjoy dining and hotel privileges, and get free travel insurance too with this Platinum MasterCard from AmBank
Earn 2X reward points, enjoy dining and hotel privileges, and get free travel insurance too with this Visa Platinum Card from AmBank
A card for motorists packed with auto-related benefits. Enjoy great discounts, rebates on petrol, and value added services with AmBank CARz Platinum MasterCard.
Do you own a car or a motorcycle? If you do, then this may be the card for you. Enjoy great discounts, rebates on petrol, and value added auto-related services
A card that knows no boundaries, enjoy rewards, 0% instalment plan, and complimentary insurance too!
With this Gold MasterCard from AmBank, you can enjoy fantastic rewards, a 0% instalment plan, and complimentary insurance coverage too!
Earn up to 2X BonusLink Points whenever you shop, and ladies cardmembers get exclusive privileges like free health checkups, car assistance, and wallet guard coverage too!
TRUEly an impressive credit card, enjoy a low interest rate of 7.99% p.a. for the first year, and 3% off online transactions too!
Do you shop often at Cosway? With the AmBank Cosway card, you can earn up to 3X Cosway points for all shopping done at any Cosway outlet nationwide!
Love to shop at Cosway? With the AmBank Cosway card, you can get up to 3X Cosway points for all purchases at any Cosway outlet nationwide!
A world class Islamic card that's suitable for frequent travelers. Fast-track your frequent flyer miles and get 5X reward points for all your spending!
Enjoy exclusive privileges and redeem free flights with your AmBank Reward Points with this Islamic card from AmBank
Earn up to 2X reward points, enjoy dining and hotel privileges, and get free travel insurance
Get up to 2X reward points and enjoy dining and hotel privileges with this Islamic card
An excellent Islamic card with a variety of benefits. Dine, shop, or travel like a boss with up to 3X AmBank points for retail purchases!
A great card for vehicle-owners. Enjoy great discounts, rebates on petrol, and value added services
An excellent card for Malaysian motorists. Enjoy great discounts, petrol rebates, and various auto-related services
This Islamic card by AmBank allows you to enjoy rewards, a 0% instalment plan, and complimentary insurance coverage too!
A Syariah-compliant card from AmBank that will provide you with a great reward programme, 0% instalment plan, and complimentary insurance coverage
The BSN Visa Platinum Credit Card offers everything you need for an easy and convenient lifestyle by giving you privileges, rewards, and exclusivity!
The BSN Platinum MasterCard offers everything you need for an easy and convenient lifestyle by giving you privileges, rewards, and exclusivity!
The BSN Gold MasterCard gives you more benefits, more rewards and more credit for an easier and rewarding lifestyle.
The BSN Visa Gold Credit Card gives you more benefits, more rewards and more credit for an easier and rewarding lifestyle.
The BSN Visa Classic Credit Card gives you rewards, a free ZING PlusMiles card, and many more benefits!
The BSN Classic MasterCard gives you rewards, a free ZING PlusMiles card, and many more benefits!
BSN-AIAFAM Visa Platinum Business Credit Card is designed to reward you with financial flexibility, superior savings and exclusive privileges.
Made in collaboration with Yayasan Guru Malaysia Berhad (YGMB), BSN-1Teachers MasterCard Gold offers fantastic rewards and privileges just for teachers!
Get more benefits, more rewards, more exclusivity, more privileges and everything else you could possibly need with BSN Visa Platinum Credit Card-i.
Discerning individuals like you demand more. More benefits, more rewards, more exclusivity and certainly more privileges. The BSN MasterCard Platinum Credit Card-i is everything you could possibly ...
The Universiti Utara Malaysia Platinum MasterCard is a Shariah compliant card based on Ujrah. Enjoy fantastic savings, amazing rewards and exclusive privileges, all with no annual fee for life!
The Universiti Utara Malaysia Gold MasterCard Credit Card is a Shariah compliant card based on Ujrah. Enjoy fantastic savings, amazing rewards and exclusive privileges, all with no annual fee for l...
An Islamic card made in collaboration with Yayasan Guru Malaysia Berhad, this card offers great rewards and exclusive privileges for teachers!
The BSN Gold MasterCard Credit Card-i gives you more benefits, more rewards and more credit for an easier and rewarding lifestyle, all in a Shariah-compliant card!
The BSN Gold Visa Credit Card-i gives you more benefits, more rewards and more credit for an easier and rewarding lifestyle, all in a Shariah-compliant card!
Get the benefits of a BSN Visa Classic card in a shariah-compliant package. Enjoy rewards, non-compounding charges, and a free ZING PLUSMiles Card with BSN Visa Classic Credit Card-i.
Get the benefits of a BSN Classic MasterCard in a shariah-compliant package. Enjoy rewards, non-compounding charges, and a free ZING PLUSMiles Card with BSN Classic MasterCard Credit Card-i.
With Easy Payment Plan (EPP), grant yourself with this credit card which provides 3x financing limit of your monthly salary!
No need to afraid of usury! This card only accepts Halal transaction and everything based on Shariah.
Enjoy the generous Takaful coverage, loyalty reward points and many opportunity of a luxurious travelling and shopping!
This card is Shariah-compliant and only accepts Halal transaction. It also allows you to enjoy complimentary Takaful coverage and other benefits!
Get your Group Family Takaful coverage up to RM 100,000 with this Bank Islam Gold Visa Card-i. This card also shariah-compliant that will help you filter only Halal Transaction!
Earn 1 reward point for every RM10 spent, which can be used to redeem excellent gifts and rewards.
Earn points at a rate of 1 point for every 10 spent, and you can even change your points to cash at a rate of 10 points to RM0.10 too!
Enjoy free Takaful protection and Cash-Convertible Rakyat Rewards with this Shariah-compliant card!
Earn cash rebate and extra Tesco Clubcard points at the same time! Get the most out of life for your family with the CIMB Tesco MasterCard credit card!
Enjoy up to 7% cash rebate at PETRONAS every day with the CIMB Petronas MasterCard!
Get cash rebates whenever you spend online. Plus, you'll also enjoy additional cash rebates on retail spending, standing instructions on mobile and utility payments and monthly interest paid.
Earn MAS Enrich miles and enjoy exclusive travel benefits.
Earn MAS Enrich miles and enjoy exclusive travel benefits.
Earn up to 2X Bonus Points and enjoy exclusive World MasterCard benefits
Earn up to 2X Bonus Points every time you spend and enjoy complimentary airport lounge access
Exclusively for CIMB Preferred members only. Enjoy priority banking services, preferential foreign exchange rates, and bonus points when you spend!
Get great cash rebates and complimentary airport lounge access with the CIMB Visa Infinite!
Earn bonus points whenever you spend and use your points to redeem exclusive gifts OR pay for goods and services!
Whenever you make any retailpurchases using this CIMB credit card, you'll earn bonus points that you can use to redeem exclusive gifts OR pay for goods and services!
Enjoy up to 7% cash back whenever you fill your tank at any Petronas petrol station nationwide!
Enjoy the benefits of a CIMB MasterCard in this Shariah-compliant card!
A shariah-compliant business card that is perfect for all your business needs!
An invitation only card for only the most exclusive clientele. Live life in the fast lane with the Hong Leong Infinite P Visa Card!
The perfect card for the globetrotter - travel with style and earn Enrich Miles while you're at it!
A premium credit card for doctors & dentists!
The perfect card for a business-owner - manage your cash flow at a lower cost and enjoy a wide range of Platinum Business privileges too
Choose your own categories that suits your needs to get the best out of 10% cash back!
Enjoy 10% cash back on your chosen spend categories all year round with Hong Leong Wise Gold Visa Card.
With your Hong Leong Essential Visa Card, you will always get something back. Whenever you use it for shopping, dining, travelling or anything else, you'll enjoy up to 1% unlimited cash back on you...
Love to shop at The Store and Pacific department stores? Enjoy up to 6% cash back when you spend at The Store and Pacific and 0.5% cash back on other retail transactions.
A great card for people who love to shop at The Store and Pacific department stores. Get up to 6% cash back when you spend at The Store and Pacific and 0.5% cash back on other retail payments
With every transaction you make, you earn real cash in return, which you can access anytime. So the more you charge to your credit card, the more cash in your pocket.
Earn up to 6X Reward Points on your purchases and make your shopping, travelling, and dining experiences even more rewarding!
Save as much as RM 2,700 in interest payments with an unbelievably low lifetime annual balance transfer interest of 6.99% with this Gold Visa card from Hong Leong!
Are you a movie buff? Enjoy RM 6 off on movie tickets purchased online!
Are you a movie buff? Enjoy RM 6 off on movie tickets purchased online!
Your life, your card. You can personalize this card any way you want and what's more, the annual fee is waived for life!
With this card, you can spend in Renminbi or Ringgit without worry! Suitable for you if you are a Malaysian who often travels to or resides in China for long periods of time.
With this card you can make payments in China using Renminbi and payments outside of China using Ringgit Malaysia, so you won't have to worry about exchange rates!
UnionPay Dual Currency allows payments in China to be made in Renminbi and payments outside of China to be made in Ringgit, giving you peace of mind regarding exchange rates!
This card from ICBC is suitable for you if you are a Malaysian who often travels to or resides in China for long periods of time!
A global card from ICBC, this card is suitable for Malaysians that often travel to or reside in China!
A global card from ICBC, earn reward points as you spend and travel with peace of mind!
Convert your TreatPoints into cash or redeem great rewards at any time!
This card gives back to the community and allows you to get 5% cash back and 1x TreatsPoints on petrol and groceries!
This card gives back to the community and allows you to get 5% cash back on petrol and groceries!
Get 10,000 TreatsPoints for free upon card activation and enjoy excellent golfing and travel privileges too!
With this Islamic card from Maybank, you can enjoy excellent golfing and travel privileges, plus receive 10,000 TreatsPoints for free upon card activation!
Are you an MU fan? Support your club and earn up to 10x TreatsPoints at the same time!
Whenever Manchester United wins a Premier League match, you can earn 5x TreatsPoints on all transactions!
Get 50,000 Treats Airmiles for free when you activate your card!
A Shariah-based card that rewards you with Cash Back when you spend at PETRONAS Stations!
Earn extra TreatsPoints when you spend at Petronas Service Stations with this Islamic Card from Maybank!
A credit card with Platinum privileges, that earns you extra TreatsPoints to redeem for free petrol at Petronas!
The card that let's you earn free flights in the fastest way!
The card that earns you more TreatsPoints on your retail spending!
A distinctive card for those seeking exceptional service and worldwide recognition. Earn 2X TreatsPoints and enjoy exclusive Platinum Privileges!
A distinctive Visa card for those seeking Platinum-level service and worldwide recognition! Earn up to 2X TreatsPoints and enjoy exclusive Platinum Privileges!
A card with better privileges and a higher credit limit, Enjoy great travel, dining, and shopping privileges!
A Visa card with Gold privileges and a higher credit limit for those wanting to upgrade their Classic cards!
A credit card that earns you extra TreatsPoints that you can use to redeem free petrol at Petronas!
An ideal first credit card for people who are just starting their careers or trying to establish credit. Earn 1X TreatsPoints and get great gifts and rewards!
An ideal first credit card for people who are just starting their careers or trying to establish credit. Earn 1X TreatsPoints and get great gifts and rewards!
An ideal companion for online and overseas spending!
Get insurance coverage of RM 100,000 on death or total and permanent disability!
A premium card with premium benefits where you can get various travel benefits and earn 1.2% unlimited cash back!
Get rewarded for your retail purchases,dining, entertainment, travelling expenses, insurance, and so much more!
Earn up to 3x AirMiles Points for every Ringgit spent & complimentary RM 500,00 automatic travel insruance!
Public Bank's business card is a business card suitable for business expansion and tailored for company to manage business cash flow. It provides the company with maximum control over the company's...
Be double rewarded with 6% cash back and earn VIP points for your purchases. On top of that get automatic free travel insurance coverage of up to RM 500,000 too!
Earn 0.2% unlimited Cash MegaBonus for every Ringgit spent & complimentary RM 500,000 automatic travel insurance!
Earn 0.3% unlimited Cash MegaBonus for every Ringgit spent & complimentary RM 500,000 automatic travel insurance!
Earn 1x VIP Points for every Ringgit spent!
Earn 0.1% unlimited Cash MegaBonus for every Ringgit spent!
Augment your shopping with this Gold MasterCard from Public Bank. Earn up to 0.1% unlimited Cash MegaBonus for every Ringgit spent!
A card by invitation only for Mutual Gold and Mutual Gold Elite Members of Public Mutual. Earn 0.2% unlimited Cash MegaBonus for every Ringgit spent & additional 0.3% Mutual Gold Cash Bonus on your...
Access banking services any day of the year from wherever you are in the world!
Public Bank’s corporate payment card is the perfect tool which can be customised to meet your business goals. Remain competitive. Do things differently. Manage your company’s expenditures while emp...
Get 24 hour customer service and preferential fees on cash advances!
Enjoy up to 5% Cash Back at any Petron service station and unlimited 0.1% Cash MegaBonus on other retail purchases!
Get 2% cash rebate on your insurance premium and 0.1% Cash MegaBonus for your other purchases.
Enjoy 5% cash back and earn up to 2x VIP Points with no annual fee!
Earn 0.1% unlimited Hibah Performance Bonus for every Ringgit spent!
Earn 0.1% unlimited Hibah Performance Bonus for every Ringgit spent!
Earn 0.2% unlimited Hibah Performance Bonus for every Ringgit spent & complimentary RM 500,000 automatic travel insurance!
Earn 0.2% unlimited Hibah Performance Bonus for every Ringgit spent & complimentary RM 500,000 automatic travel insurance!
Get up to 8% Cash Back on your daily purchases including Petrol, Groceries and Cinema tickets!
Get up to 8% Cash Back on your daily purchases including Petrol, Groceries and Cinema tickets!
Shop and be rewarded with up to 10% cashback on fashion transactions on the weekends!
Shop and be rewarded with up to 10% cashback on fashion transactions on the weekends!
Get rewarded for doing the thing you love most - traveling! The UOB PRVI Miles gives you benefits to reap from trip planning until your return!
Bringing everything back to basics. The UOB Basic Classic Card is a zero-commitment card when spent at least once a month!
An adventure awaits you with plenty of rewards! Make traveling smoother with the UOB Preferred Platinum Card.
Welcome to the world of infinite luxury and prestige, reserved exclusively for the elite few. Only the most exquisite and finest privileges will do to benefit your success and stature. So let UOB V...
Are you a fan of the Barcelona football team? Then this is the card for you where you can enjoy up to 10% discounts on their merchandise!
Enjoy up to 5x TreatsPoints where you can convert it into Air Miles and get a free flight!
The card which let's you earn Membership Rewards Points with no annual fee!
Split your payments into several months by spending more than RM 500 with your OCBC Cashflo MasterCard!
Like travelling? Then this is the best card to accompany you!
Get cash back on all your overseas and local shopping purchases no annual fees charged!
Enjoy 5% cash back and earn up to 2x VIP Points with no annual fee!
Get closer to your dream vacations when you shop, dine and pay bills with CIMB Enrich Platinum Mastercard!
Up to 8% Cash Back on dining and online spend while enjoying exclusive privileges all year long!
No other card understands women as well as the UOB Lady's card. Shop and be rewarded with up to 10% cashback on fashion transactions on the weekends!
Enjoy marvellous privileges with merchants and have international recognition in over 19 million establishments worldwide!
Get up to 5% cash back and up to 4x rewards points when you swipe your AEON Platinum MasterCard!
This card provides you cash back for your motorcycle insurance premium!
Are you a member of the KL Japanese Society? Then this is the card for you where you can earn cash back and rewards!
The RHB Premier Visa Infinite Credit Card will let you explore the world in comfort and provides you with endless luxuries!
Enjoy more cash back when you spend locally and overseas be it for shopping, entertainment or your online purchases!
Be rewarded whenever you travel, fill petrol or dine and earn up to 6% cash back!
RHB Rewards Credit Card-i allows you to earn up to 5x reward points!
A credit card is a card issued by a financial institution for the purpose of payment of goods and services, balance transfers and/or cash advances. It is basically a small loan, just like a home loan or personal loan, because you are essentially borrowing cash from your card issuer that must be paid back with an additional charge (depending on your card issuer).
When using a credit card, you are required to pay at least the minimum amount of your credit card balance every month by the due date.
The remaining balance will be brought forward to the following month and an interest rate will be charged. For balance transfers and/or cash advances, the interest rate will be applied from the date of the transaction. The interest rate varies with every bank so make sure to choose your card wisely.
In Malaysia, if you have an annual income of RM36,000 or below, you can only have a maximum amount of 2 credit cards.
If you earn more than RM36,000 per annum, you will not have any limitation on the number of cards you can apply for. However, if you have a bad credit history, it would depend on your bank’s requirements. As different banks have different terms and conditions, make sure you read the fine print to get more information.
There are various types of credit cards in Malaysia, each tailored to different lifestyles, spending habits, and purposes. The following categories represent the major types of credit cards that are available to the Malaysian public:
A primary card possesses a credit limit, but a supplementary card does not possess its own limit. Instead, the supplementary card shares the same credit limit as the primary card. The primary cardholder can set specific limits for specific supplementary cards. Supplementary cards will also share the same features as the primary card.
However, supplementary cards generally have lower annual fees, and sometimes come free together with a primary card.
Credit Card Issuers:
Credit Card Networks:
| VISA | Classic | Gold | Platinum | Signature | Infinite |
|---|---|---|---|---|---|
| MASTERCARD | Classic | Gold | Platinum | Titanium | World |
| AMERICAN EXPRESS | Gold | Platinum | Infinite | ||
| UNIONPAY | Only one type | ||||
These networks have various types of complementary benefits such as premium access to airport lounges, travel protection, cashback, and rewards points. Every card may have different benefits depending on the card issuer. However, not every bank provides all these credit card network choices so be sure to check which type you would like.
A chargeback is the refund of a payment or purchase made to your credit card with the assistance of your card issuer. The process may take 1 to 6 months as the bank will have to investigate the dispute. You should contact your bank for more assistance as different banks have different policies.
It’s as simple as filling up an application form and submitting the relevant personal documents. On Loanstreet, just press apply and fill in your details. You will receive a phone call from us within 1 working day in order to check your eligibility, after which we will submit your application to the banks. You will then deal with the banks directly until your application is approved and your credit card is received.
Employed
Self-Employed
However, do check with your respective bank on what documents you will need, as some banks will require extra documents.
Every card issuer has a different processing time to approve your application. However, it usually takes 7-10 days to receive your card, either by mail or collection at the bank. To make the processing time faster and more efficient, be sure to submit all the relevant documents with the correct details required by the card issuer.
There are a few options to track your expenses:
You must contact your respective bank immediately and request to block your card. If you do not report it as soon as possible, you may be liable for the charges made to your card. The hotline services are available 24 hours for this issue. Besides that, you should also report to the police to protect yourself from any unauthorised usage.
