Bandingkan Kad-Kad Kredit Premium di Malaysia
Kad-kad Premium Terbaik di Malaysia
Kad premium membolehkan anda untuk hidup seperti seseorang VIP! Menikmati faedah dan diskaun eksklusif untuk tiket perjalanan, pemakanan di restoran, dan pembelian di pusat beli-belah dalam dan luar negara!
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.
RHB Visa Infinite Credit Card
Dapatkan 5X mata ganjaran apabila anda membeli-belah di luar negara. Menikmati yuran hijau percuma di padang-padang golf luar negara.
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!
Alliance Visa Infinite Card
Dapatkan mata ganjaran Timeless Bonus Points yang anda boleh gunakan untuk medapatkan tiket penerbangan percuma dengan Alliance Visa Infinite Card.
Alliance Bank MasterCard Platinum
Dapatkan sebanyak 3X mata ganjaran Timeless Bonus Points yang anda boleh gunakan untuk mendapat diskaun dan keistimewaan eksklusif apabila anda pergi membeli-belah. Selain itu, anda boleh gunakan m...
Alliance Bank Visa Gold Card
Dapatkan 2X mata ganjaran Timeless Bonus Points untuk mendapatkan diskaun ketika membeli-belah dan tiket penerbangan percuma dengan Alliance Bank Visa Gold Card.
Alliance Bank MasterCard Gold Card
Dapatkan 2X mata ganjaran Timeless Bonus Points untuk mendapatkan diskaun ketika membeli-belah dan tiket penerbangan percuma dengan Alliance Bank MasterCard Gold Card.
Alliance Bank Visa Classic Card
Dapatkan sebanyak 1X mata ganjaran Timeless Bonus Points yang anda boleh gunakan untuk mendapatkan diskaun apabila anda membeli belah. Selain itu, anda boleh gunakan mata ganjaran itu untuk mendpat...
Alliance Bank MasterCard Classic
Dapatkan sebanyak 1X mata ganjaran Timeless Bonus Points yang anda boleh gunakan untuk mendapatkan diskaun apabila anda membeli belah. Selain itu, anda boleh gunakan mata ganjaran itu untuk mendpat...
Alliance Bank You:nique Rebates Credit Card
Menghiaskan kad ini dengan imej pilihan anda. Anda boleh menikmati rebat tunai sebanyak 3% juga
Alliance Bank You:nique Rates Credit Card
Menghiaskan kad ini dengan imej pilihan anda. Anda boleh menikmati kadar bunga serendah 3&% juga
Alliance Bank You:nique Rewards Credit Card
Menghiaskan kad ini dengan imej pilihan anda. Anda boleh menikmati sebanyak 2X mata ganjaran juga
AmBank World MasterCard
Dapatkan mata penerbangan yang boleh ditukarkan kepada tiket penerbangan percuma serta 5X mata ganjaran untuk pembelian runcit anda dengan AmBank World MasterCard.
AmBank M-Platinum MasterCard
Dapatkan 2X mata ganjaran BonusLink untuk pembelian runcit anda dengan AmBank M-Platinum MasterCard. Para wanita juga menikmati keistimewaan eksklusif seperti pemeriksaan kesihatan percuma, bantuan...
AmBank Islamic World MasterCard-i
Dapatkan mata penerbangan yang boleh ditukarkan kepada tiket penerbangan percuma serta 5X mata ganjaran untuk pembelian runcit anda dengan AmBank Islamic World MasterCard-i.
AmBank Islamic Visa Infinite Card-i
Menikmati keisimewaan eksklusif dan dapatkan tiket penerbangan percuma dengan menggunakan mata ganjaran AmBank anda
AmBank Islamic Visa Signature Card-i
Sekeping kad Islam yang memiliki pelbagai kebaikan. Makan, beli, ataupun pergi melancong dengan kad ini yang memberi anda 3X mata ganjaran untuk semua pembelian runcit anda.
CIMB World MasterCard
Dapatkan mata ganjaran sebanyak 2X dan menikmati keistimewaan eksklusif World MasterCard
CIMB Preferred Visa Infinite
Terhad kepada ahli CIMB Preferred sahaja. Menikmati servis perbankan prioriti, kadar pertukaran asing yang baik, dan mata ganjaran untuk segala pembelian runcit anda!
Hong Leong Visa Infinite P
Kad ini hanya boleh dimiliki oleh orang yang dijemput sahaja
Hong Leong Platinum Business MasterCard
Kad yang sesuai untuk pemilik perniagaan. Menguasai aliran tunai dan menikmati pelbagai keistimewaan bisnes juga
Hong Leong ACCCIM Visa Credit Card
Sebagai seorang ahlie ACCCIM, anda boleh mendapat pembantuan dalam perniagaan dan pengikitirafan untuk perniagaan anda
Hong Leong GSC Platinum Visa
Kad yang sesuai untuk peminat filem. Menikmati diskaun 50% untuk tiket GSC (Had penjimatan: RM100), akses kepada lorong tiket prioriti GSC, dan diskaun untuk makanan dan minuman juga!
Hong Leong GSC Gold Visa
Kad yang sesuai untuk peminat filem. Menikmati diskaun 50% untuk tiket GSC (Had penjimatan: RM60), akses kepada lorong tiket prioriti GSC, dan diskaun untuk makanan dan minuman juga!
Hong Leong I'm MasterCard
Kad ini boleh dihiasi dengan mana-mana imej pilihan anda. Selain itu, yuran tahunan kad ini adalah percuma sepanjang hayat!
ICBC UnionPay Dual Currency Platinum
Unionpay Dual Currency membolehkan pembiayaan di negara Cina untuk dibiayai dalam mata wang Renminbi dan pembiayaan luar negara Cina untuk dibiayai dalam mata wang Ringgit Malaysia
ICBC UnionPay Dual Currency Gold
Unionpay Dual Currency membolehkan pembiayaan di negara Cina untuk dibiayai dalam mata wang Renminbi dan pembiayaan luar negara Cina untuk dibiayai dalam mata wang Ringgit Malaysia
ICBC UnionPay Dual Currency Classic
Unionpay Dual Currency membolehkan pembiayaan di negara Cina untuk dibiayai dalam mata wang Renminbi dan pembiayaan luar negara Cina untuk dibiayai dalam mata wang Ringgit Malaysia
ICBC Visa Platinum
Mendapatkan mata ganjaran untuk segala pembiayaan runcit dan perjalanan anda!
ICBC Visa Gold
Mendapatkan mata ganjaran untuk segala pembiayaan runcit dan perjalanan anda!
ICBC Visa Classic
Mendapatkan mata ganjaran untuk segala pembiayaan runcit dan perjalanan anda!
Maybank Visa Infinite
Dapatkan 5X mata ganjaran TreatsPoints dan nikmati keistimewaan golf dan pelancongan dengan Maybank Visa Infinite. 10,000 mata ganjaran TreatsPoints diberi secara percuma apabila anda mengaktifkan ...
Maybank Islamic Ikhwan Visa Infinite Card-i
Dapatkan 5X mata ganjaran TreatsPoints dan nikmati keistimewaan golf dan pelancongan dengan Maybank Islamic Ikhwan Visa Infinite Card-i. 10,000 mata ganjaran TreatsPoints diberi secara percuma apab...
Maybank Manchester United Visa Infinite
Adakah anda seorang peminat Manchester United? Dengan kad ini, anda boleh mendapat 5X mata ganjaran dan menyokong MU pada masa yang sama! Memohon dan mengaktifkan kad ini sekarang untuk mendapat 10...
Maybank World MasterCard
Dapatkan 50,000 mata ganjaran penerbangan kerap apabila anda mengaktifkan kad ini. Dapatkan mata gankaran penerbangan kerap Treats Airmiles dan menikmati keistimewaan golf dan hotel di seluruh dunia
Maybank MasterCard Platinum
Dapatkan 2X mata ganjaran TreatsPoints dan menikmati pelbagai keistimewaan Platinum Maybank!
Maybank Visa Platinum
Dapatkan 2X mata ganjaran TreatsPoints dan menikmati pelbagai keistimewaan Platinum Maybank!
Maybank Islamic Ikhwan American Express Gold Card-i
Kad Syariah ini memberikan anda 2X mata ganjaran TreatsPoints yang boleh ditukar kepada pelbagai hadiah dan ganjaran yang hebat
Maybank MasterCard Gold
Kad yang penuh dengan pelbagai keistimewaan dan had kredit yang tinggi
Public Bank Visa Business Card
Kad yang terbaik untuk bisnes anda. Kad ini dicipta untuk membantu peniaga menguasai aliran tunai dengan lebih ketat
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 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 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.
UOB PRVI Miles Visa Platinum
Kad yang baik untuk orang yang ingin mendapat tiket penerbangan percuma. Dapatkan 5X mata ganjaran UniRM, batu penerbangan kerap, dan 12X akses kepada ruang eklusif lapangan terbang di KLIA dan KLIA2
UOB Preferred Platinum MasterCard Credit Card
Menikmati akses eksklusif kepada Plaza Premium Lounge di lapangan terbang KLIA dan KLIA2, serta diskaun dan keistimewaan eksklusif di restoran-restoran terpilih
UOB Visa Infinite Credit Card
Kad yang dicipta khas untuk orang yang suka kehidupan yang mewah. Kad ini mempunyai pelbagai keistimewaan kemewahan dan perjalanan
Public Bank World MasterCard
Dapatkan mata ganjaran yang boleh ditukarkan kepada batu penerbangan kerap (6,000 mata ganjaran = 1,000 Enrich Miles/2,000 AirAsia BiG Points). Selain itu, kad ini membawa pelbagai keistimewaan per...
OCBC World MasterCard
Dapatkan rebat tunai sebanyak 1.2% tanpa had
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
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.