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Maybank Islamic MasterCard Ikhwan Platinum Card-i
Dengan Maybank Islamic MasterCard Ikhwan Platinum Card, anda berpeluang untuk menjalani Umrah secara percuma. Anda juga boleh menikmati rebat tunai 5% dan 1X mata ganjaran Maybank TreatsPoints untu...
Maybank Visa Signature
Menikmati perkhidmatan Visa Airport Speed Pass dan program ganjaran Maybank TreatsPoints untuk menjana mata ganjaran yang boleh ditukar kepada hadiah ataupun wang tunai
Citi Simplicity+ Card
Borang permohonan untuk mengisi butiran anda dan mendapatkan kad kredit Citi Simplicity+ Credit Card.
Maybank 2 Platinum Cards
Dapatkan kebaikan Maybank2 American Express dan Maybank2 MasterCard dalam satu pendaftaran dan satu penyata dengan Maybank 2 Platinum Cards.
Maybank 2 Gold Cards
Dapatkan kebaikan Maybank2 American Express dan Maybank2 MasterCard dalam satu pendaftaran dan satu penyata dengan Maybank 2 Gold Cards.
SOGO-RHB Credit Card
Dapatkan sebanyak 5% rebat tunai dan 2X mata ganjaran apabila anda membeli-belah di SOGO!
RHB Platinum Business Credit Card
Menikmati rebat tunai 1% tanpa had dan insurans perjalanan percuma! Kad ini adalah kad terbaik untuk para peniaga yang selalu pergi ke luar negara.
RHB Smart Value Visa Card
Nikmatilah rebat tunai sebanyak 5% untuk pembelian barangan runcit, pembelian online, petrol, dan bil-bil utiliti dengan RHB Smart Value Visa Card.
RHB Smart Value MasterCard
Nikmatilah rebat tunai sebanyak 5% untuk pembelian barangan runcit, pembelian online, petrol, dan bil-bil utiliti dengan RHB Smart Value MasterCard.
RHB World MasterCard
Menikmati rebat tunai sebanyak 6% apabila anda membuat perjalanan, menbeli petrol, ataupun makan di restoran, tidak kira dalam negara ataupun di luar negara.
AEON BiG Gold Visa Card
Kad ini membolehkan anda untuk jimat duit dan menikmati pelbagai keistimewaan apabila anda membeli-belah di mana-mana pusat membeli-belah AEON BiG di Malaysia.
AEON BiG Visa Classic Card
Dapatkan rebat tunai dan ganjaran yang hebat apabila anda mengunnakan kad ini untuk membeli-belah di mana-mana AEON BiG di Malaysia
NEW AEON Visa Gold
Nikmatilah pelbagai keisitimewaan eksklusif di semua AEON BiG di Malaysia dengan menggunakan kad kredit NEW AEON MasterCard Gold
AFFINBANK World MasterCard
AFFINBANK World MasterCard mempunyai kadar bunga yang rendah serta rebat tunai bonus yang baik. Selain itu, anda juga boleh mendapatkan sebanyak 70% pendahuluan tunai untuk had kredit anda!
AFFINBANK MasterCard Gold
Dapatkan rebat tunai tanpa had untuk semua pembelian runcit anda. Selain itu, menikmati kadar bunga serendah 9.99%!
AFFINBANK MasterCard Classic
Dapatkan rebat tunai sebanyak 0.8% untuk semua pembelian runcit anda. Selain itu, menikmati kadar bunga serendah 9.99%!
AFFINBANK Touch 'n Go MasterCard Gold
Kebaikan AFFINBANK MasterCard Gold dan Touch n' Go digabungkan dalam satu kad!
AFFINBANK Touch 'n Go MasterCard Classic
Kebaikan AFFINBANK MasterCard Classic dan Touch n' Go digabungkan dalam satu kad!
AFFINBANK BHPetrol 'Touch & Fuel' MasterCard Contactless
Dapatkan rebat tunai sebanyak 10% untuk sebarang pembelian petrol dan rebat tunai 0.8% untuk pembelian 0.8%. Selain itu, anda akan mendapat insurans perjalanan peribadi percuma yang bernilai RM30,0...
AFFINBANK Visa Gold
Nikmatilah rebat tunai sebanyak 0.8% dan kadar bunga serendah 9,99% dengan kad kredit AFFINBANK Visa Gold.
AFFINBANK Visa Classic
Nikmatilah rebat tunai sebanyak 0.8% dan kadar bunga serendah 9,99% dengan kad kredit AFFINBANK Visa Classic.
Alliance Bank You:nique Rebates Credit Card
Menghiaskan kad ini dengan imej pilihan anda. Anda boleh menikmati rebat tunai sebanyak 3% juga
Allianz Insurance Card
Khas untuk ejen dan pekerja Allianz General Insurance Company (Malaysia) Berhad (AGIC). Dapatkan rebat tunai tanpa had 0.3% untuk pembiayaan bulanan AGIC.
TRUE by AmBank Visa Credit Card
Menkmati kadar bunga yang serendah 7.99% p.a. untuk tahun pertama, dan 3% rebat tunai untuk pembelian online
AIAFAM-BSN Visa Platinum Business Credit Card
Kad yang sesuai untuk para peniaga. Kad ini memberikan anda fleksibiliti kewangan, penjimatan hebat, dan keistimewaan eksklusif
CIMB Tesco Platinum MasterCard
Dapatkan rebat tunai dan mata ganjaran Tesco Clubcard pada masa yang sama!
CIMB Cash Rebate Platinum MasterCard
Dapatkan rebat tunai setiap kali anda mebuat pembayaran online. Selain itu, kamu boleh dapat rebat tunai lebih untuk pembelian tunai dan arahan tetap perbankan
CIMB Platinum BusinessCard
Sekeping kad yang sesuai untuk para peniaga . Kad ini mematuhi prinsip-prinsip Syariah, jadi anda tidak perlu risau apabila membuat perniagaan ataupun pembayaran degan menggunakan kad ini!
Hong Leong Wise Gold Visa
Dapatkan rebat tunai sebanyak 10% untuk kategori-kategori pembelian terpilih anda. Anda boleh mengubahsuaikan kad ini mengikut cara hidup anda
Hong Leong Essential Visa Card
Mendapatkan rebat tunai 1% tanpa had untuk semua pembiayaan anda, tidak kira tujuan
Hong Leong The Store and Pacific Platinum MasterCard
Menikmati rebat tunai sebanyak 6% apabila anda membuat pembelian di kedai The Store dan Pacific. Dapatkan rebat tunai 0.5% untuk pembiayaan lain
Hong Leong The Store and Pacific Gold MasterCard
Menikmati rebat tunai sebanyak 6% apabila anda membuat pembelian di kedai The Store dan Pacific. Dapatkan rebat tunai 0.5% untuk pembiayaan lain
Hong Leong Fortune Visa
Dapatkan 1% wang tunai untuk segala pembiayaan runcit anda
Maybank Islamic Ikhwan American Express Platinum Card-i
Kad Syariah yang memberikan anda rebat tunai 5% serta mata ganjaran TreatsPoints yang boleh ditukarkan kepada hadiah yang hebat!
OCBC Titanium MasterCard Blue/Pink
Nikmatilah 1% rebat tunai tanpa had untuk semua pembelian online dan pembiayaan luar negara dengan OCBC Titanium MasterCard Blue/Pink. Terdapat dalam warna biru atau merah jambu.
OCBC Great Eastern Platinum MasterCard
Nikmatilah 1% rebat tunai tanpa had dan pelan ansuran 0% untuk bayaran premium insurans dengan OCBC Great Eastern Platinum MasterCard
OCBC World MasterCard
Dapatkan rebat tunai sebanyak 1.2% tanpa had
OCBC 365 MasterCard
Dapatkan rebat tunai sebanyak 1% tanpa had. Kad ini daripada OCBC akan meningkatkan kualti hidup anda sepanjang tahun!
Public Bank Visa Business Card
Kad yang terbaik untuk bisnes anda. Kad ini dicipta untuk membantu peniaga menguasai aliran tunai dengan lebih ketat
Public Bank Visa Signature
Dapatkan rebat tunai sebanyak 6% dan mata ganjaran VIP points untuk semua pembelian anda. Selain itu, anda akan dapat perlindungan insurans perjalananpercuma yang bernilai RM1.5 Juta juga!
Public Bank Visa Platinum
Dapatkan rebat tunai sebanyak 1% dan perlindungan insurans perjalanan percuma yang bernilai RM1 Juta
Public Bank Visa Infinite
Dapatkan rebat tunai sebanyak 1.6% dan batu penerbangan kerap untuk segala pembiayaan anda. Selain itu, yuran tahunan kad ini adalah perecuma sepanjang hayat!
Public Bank Visa Gold
Dapatkan rebat tunai sebanyak 0.5% tanpa had dan perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Bank Visa Gold.
Public Bank Gold MasterCard
Dapatkan rebat tunai sebanyak 0.5% tanpa had dan perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Bank Gold MasterCard.
Mutual Gold-Public Bank Visa Platinum
Kad ini merupakan kad yang eksklusif untuk ahli Mutual Gold dan Mutual Gold Elite dari Public Mutual sahaja. Menikmati rebat tunai sebanyak 1% untuk pembelian runcit dan rebat tunai lebihan Mutual ...
Public Bank Visa Classic Credit Card
Kad ini sesuai untuk orang yang ingin mendapatkan kad kredit untuk kali yang pertama. Kad ini memberikan anda rebat tunai sebanyak 0.3% tanpa had untuk pembelian runcit anda
Public Bank MasterCard Standard
Dapatkan 0.3% rebat tunai tanpa had untuk semua pembelian runcit anda!
Public Bank Petron Visa Gold
Borang permohonan untuk mengisi butiran anda dan mendapatkan kad kredit Public Bank Petron Visa Gold.
Public Bank AIA Visa Gold
Dapatkan 2% rebat tunai untuk bayaran premium insurans anda dan 1% rebat tunai untuk pembelian runcit anda
Public Islamic Bank MasterCard Gold Credit Card-i
Dapatkan Hibah Performance Bonus sebanyak 0.5% untuk setiap RM yang digunakan serta perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Islamic Bank MasterCard Gold Credit Car...
Public Islamic Bank Visa Gold Credit Card-i
Dapatkan Hibah Performance Bonus sebanyak 0.5% untuk setiap RM yang digunakan serta perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Islamic Bank Visa Gold Credit Card-i.
Public Islamic Bank MasterCard Platinum Credit Card-i
Dapatkan Hibah Performance Bonus sebanyak 0.1% untuk setiap RM dan perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Islamic Bank MasterCard Platinum Credit Card-i.
Public Islamic Bank Visa Platinum Credit Card-i
Dapatkan Hibah Performance Bonus sebanyak 0.1% untuk setiap RM dan perlindungan insurans perjalanan percuma bernilai RM500,000 dengan Public Islamic Bank Visa Platinum Credit Card-i.
UOB ONE Visa Platinum
Dapatkan rebat tunai sebanyak 5% untuk pembelian runcit anda dan jimat lebih daripada RM1000 setahun dengan UOB ONE Visa Platinum.
UOB Lady's MasterCard
Kad yang dicipta khas untuk wanita. Nikmati 10% rebat tunai untuk pembelian barangan runcit, 3X mata ganjaran UniRM Reward Points dan rebat SMART$ dengan UOB Lady's MasterCard.
UOB Lady's Platinum MasterCard
Kad yang dicipta khas untuk wanita. Nikmati 10% rebat tunai untuk pembelian barangan runcit, 3X mata ganjaran UniRM Reward Points dan rebat SMART$ dengan UOB Lady's Platinum MasterCard.
Hong Leong Wise Platinum Visa Credit Card
Dapatkan rebat tunai sebanyak 10% untuk kategori pembelian terpilih anda
Frequently Asked Questions (FAQ)
It’s a payment card issued by a financial institution for the purpose of payment of goods and services. It is basically a small loan, because just like a home loan or personal loan, you are essentially borrowing cash from your card-issuer that must be paid back. In technical terms, what happens is that the card issuer opens a revolving account that grants the cardholder a line of credit that is used for payments on credit.
Instead of having to pay off your debts in full each month, a credit card account allows you to have a continuing amount of debt, subject to interest rate charges.
To put it in simple terms, if you pay off the outstanding balance on your statement by the end of the month, you will not be charged any interest. But if there is any outstanding debt, it will be carried over to the following month and an interest rate will be charged. The interest rate is variable and is generally more favourable towards people who pay off their outstanding credit card balance regularly.
In Malaysia, If you have an annual income of RM36,000 or less, you can have any number of cards from a maximum of 2 different card issuers.
If you have an annual income that is higher than RM36,000, this limitation does not apply to you.
There is a large variety of credit card types 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:
- Cashback Credit Cards These cards provide a cash rebate on your purchases, which allows you to reduce your financial burden and shop with peace of mind. Different cards have different terms for when, where, and how much cashback you can get, so it pays to do your research.
- Rewards Credit Cards This kind of card allows you to accumulate points as you make payments. These accumulated points can be exchanged for a wide variety of things - usually gifts and gadgets from your card issuer’s rewards programme. Some cards even let you trade your points for air miles, use your points like cash to pay for items, or even holiday trips!
- Travel Credit Cards These cards allow you to accumulate points or airmiles for travel purposes, making them suitable for frequent travellers. Most travel cards also give you great complimentary travel insurance coverage, making them a great way to get the most out of your travels.
- Petrol Credit Cards Malaysia has one of the highest car ownership rates in the world. Just about everyone has a car, and everyone who has a car needs petrol. Petrol cards help you by allowing you different petrol-related benefits such as cashback or discounts for petrol from specific companies such as Shell or Petronas, or points that allow you to earn rewards while you fill up your tank.
- Islamic Credit Cards These cards are Syariah-compliant cards, free from Riba, thus they are suitable for proponents of the Muslim faith who have doubts about credit cards. Islamic cards have just as many benefits as conventional credit cards, with the added benefit of allowing pious Muslims to enjoying said benefits without having to compromise their faith.
- No Annual Fee Credit Cards A self-explanatory category of credit cards – this kind of card is suitable for the cost-conscious, as the annual fee is either waived when you meet a minimum number of swipes per year, or the annual fee is free for life.
- Premium Credit Cards As the name states, these cards are premium cards that are suitable for the elite. Although expensive, they offer a wide variety of rewards, exclusive privileges, and first class services that only the wealthy can enjoy.
- Balance Transfer Credit Cards These cards have great balance transfer rates, so you can transfer an existing balance to a brand new card from a different card issuer and take advantage of the lower rate to save on interest costs. You will need to pay a one-time fee to complete the balance transfer, but you stand to save money in the long run, making this type of card a great debt management tool for those who want to tigten their finances.
- Promo Credit Cards These cards come with amazing offers and free gifts that will surely have you smiling from ear to ear. Check out Loanstreet’s Promo Card Page to find out which cards have great promos waiting for you now!
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 for us to check your eligibility, after which we will submit your application to the banks. From then on you will deal with the banks until your application is approved and your credit card is received.
The documents that you need to provide differ depending on whether you are an employee or self-employed.
Employees require:
- A photocopy of both sides of your MyKad
- Your payslips and bank statements from the last 3 months, OR your EPF statements for the last 3 months.
Self-employed people require:
- A photocopy of both sides of your MyKad
- The latest Borang B /BE with LHDN Acknowledgement
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 also generally have lower annual fees, and often even come free together with a primary card.
Besides the above, supplementary cards share the same features as the primary card.
Visa and MasterCard have different credit card lines/tiers
Visa
- Visa has two tiers of cards, namely Visa Regular credit cards and Visa Signature credit cards. Visa Regular cards come with extended purchase warranties, reward programmes, and various Visa-exclusive discounts and offers at participating establishments.
- Visa Signature cards have all the perks of a Visa Regular card with the added luxury of exclusive dining and retail privileges, travel protection, frequent flyer programmes, and access to the best golf clubs and restaurants in the world.
MasterCard
- MasterCard has three tiers of cards: the base level MasterCard, the World MasterCard, and the World Elite MasterCard.
- The base level MasterCard has equivalent benefits to the Visa Regular Credit Card.
- The World MasterCard and World Elite MasterCard are similar to the Visa Signature line of cards.