Best Credit Cards
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We found 120 credit card(s) for you!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 5%
Limited Offer
Public Bank Visa Gold Credit Card
Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases and your first-year annual fee waived.
Min. Monthly
Income
Annual Fees
Cashback
RM 7,500
Free
-
Limited Offer
CIMB World MasterCard
Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
Free
up to 1.5%
Limited Offer
Maybank American Express Cashback Gold Credit Card
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
-
Limited Offer
HSBC Platinum Credit Card
Ideal for online, groceries & overseas spend by earning up to 8x Reward Points for every RM1 on contactless spend, 5x Reward Points on Online which includes (Lazada, Shopee, Zalora, Grab, HappyFresh & Fave), Groceries and Overseas spend.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 60
Up to 0.3%
Limited Offer
Bank Islam Classic Card-i
Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 5%
Limited Offer
CIMB PETRONAS Platinum
7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
Free
RM50 /mth
Limited Offer
Maybank 2 Cards
Enjoy cashback and exclusive rewards with a minimum RM300 spend whilst enjoying up to 5x TreatsPoints on your weekday spend.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
Up to 8%
Limited Offer
HSBC Amanah MPower Platinum Credit Card-i
Shop smart and safe with up to 8% bonus cash back on eWallet spend, petrol, and groceries all whilst protected by E-Commerce Purchase Protection.
Min. Monthly
Income
Annual Fees
Cashback
RM 8,333
RM 554.72
-
Limited Offer
CIMB Travel World Credit Card
Travel sooner than you think with your CIMB TRAVEL WORLD CREDIT CARD.
Earn up to 12x Airport Lounge Access
Min. Monthly
Income
Annual Fees
Cashback
RM 4,000
RM 195
up to 10%
Limited Offer
UOB ONE Card Platinum
UOB ONE Card gives you unlimited cash rebates for your daily spend on groceries, petrol, telco bills, and more. The more you spend, the more you save.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
AmBank Cash Rebate Visa Platinum Card
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 80
-
Limited Offer
Hong Leong Classic Card
You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!
Min. Monthly
Income
Annual Fees
Cashback
RM 10,000
RM 600
-
Limited Offer
UOB Infinite Card
Get exclusive dining, travel, shopping, gold, and fitness privileges with this card! You will also get a 0% interest Installment Payment Plan at all participating merchants!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 200
RM100/mth
Limited Offer
AEON Platinum Credit Card
Be it daily necessities or lavish indulgences, AEON Platinum Credit Card is the perfect companion to your lifestyle.
Min. Monthly
Income
Annual Fees
Cashback
RM 4,000
Free
-
Limited Offer
Bank Islam Platinum Card-i
Enjoy TruPoints for every RM1 spent on overseas and local spending and redeem attractive prizes through Bank Islam TruRewards Loyalty Programme.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 160
-
Limited Offer
Hong Leong American Express Classic
Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!
Min. Monthly
Income
Annual Fees
Cashback
RM 20,833
RM 1215.09
-
Limited Offer
CIMB Travel World Elite Credit Card
BEST CREDIT CARD for Affluent Clients (USD 70,000 AUM and above) by Global Retail Banking Innovation Awards 2023
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
AmBank/AmBank Islamic Visa Platinum Card
Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 450
-
Limited Offer
AmBank UnionPay Platinum Card
Min. Monthly
Income
Annual Fees
Cashback
RM 5,833
Free
up to 5%
Limited Offer
Maybank Visa Signature
Taking shopping overseas to a 5x new level of TreatsPoints for every RM1 spent PLUS up to 5% cashback on all petrol and grocery spend.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
RM 95
RM100/mth
Limited Offer
AEON Gold Visa / MasterCard
Though payment made easy with AEON Gold Visa / MasterCard!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
AmBank Gold MasterCard / Visa Card
Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
-
Limited Offer
HSBC Premier World MasterCard
Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!
Min. Monthly
Income
Annual Fees
Cashback
RM 6,000
Free
-
Limited Offer
HSBC Visa Signature Card
Up to 8x Rewards Points on overseas and local spending with E-Commerce Purchase Protection coverage of up to up to USD200.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 88
-
Limited Offer
Public Bank Executive MasterCard Credit Card
Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 400
Up to 2%
Limited Offer
Hong Leong Platinum Card
Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 8%
Limited Offer
CIMB PETRONAS Visa Platinum-i Credit Card
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
-
Limited Offer
Maybank PETRONAS Visa Platinum
Earn 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays when you link your card and pay for fuel via CardTerus on the Setel app.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
RM80/mth
Limited Offer
AmBank Islamic Visa Platinum CARz Card
Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 800
-
Limited Offer
Hong Leong American Express Platinum
Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
10x OCBC$
Limited Offer
OCBC 365 Mastercard
Earn up to 10x OCBC$* on your everyday spending like Shopping, Dining, Grocery, and more. Get one now!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
Up to 8%
Limited Offer
HSBC Live+ Credit Card
Live it up with extra cashback
Who says you can't have it all? With our HSBC Live+ Credit Card, you can spend on all the things you love… and earn cashback towards the things you've got your eye on.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
Up to 5%
Limited Offer
CIMB Visa Signature
Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 5%
Limited Offer
CIMB Islamic PETRONAS Platinum
7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
RM50/mth
Limited Offer
AmBank Carz Gold Visa Card
Earn up to 3% cashback on your petrol expenditure.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
Bank Islam Gold Card-i
Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
AFFINBANK Gold Card
Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 50
-
Limited Offer
AFFINBANK Touch n Go Classic
Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 10%
Limited Offer
AFFINBANK BHPetrol MasterCard
Enjoy up to 10% cashback at BHPetrol petrol stations and 1 AFFIN Rewards Point for every RM1 retail spend.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 72
Up to 5%
Limited Offer
UOB VOX Card
Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
BSN Classic Card-i
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 160
-
Limited Offer
Hong Leong Gold Card
You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
BSN 1 TeachersCard MasterCard Credit Card-i
Shariah-compliant card specially forged for teachers in Malaysia. Receive rewards every time you shop while contributing 0.2% to YGMB!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 50
-
Limited Offer
AFFINBANK Classic Card
The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
RM 150
-
Limited Offer
AFFINBANK Touch n Go Gold
This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 550
-
Limited Offer
Maybank MasterCard Platinum
Dining and entertainment privileges
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 98
-
Limited Offer
Hong Leong WISE Card
Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 160
-
Limited Offer
Hong Leong American Express Gold
Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
-
Limited Offer
BSN Gold Card
Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
RM 198
-
Limited Offer
UOB Preferred Platinum
You get to earn up to 3x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
up to 8%
Limited Offer
Maybank Islamic PETRONAS Platinum-i
Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS
Min. Monthly
Income
Annual Fees
Cashback
RM 10,000
RM 400
-
Limited Offer
Hong Leong Platinum Business
Get up to 60 days interest-free credit period for all retail transactions, and with a business-size credit limit of up to RM300,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 30
RM100/mth
Limited Offer
AEON Classic Visa / MasterCard
Rewards and discounts for every spend at AEON across Malaysia with 1x AEON point with every RM2 spent.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
BSN 1 TeachersCard MasterCard
Collect and redeem exciting prizes through the BSN Happy Rewards Programme - vouchers, gadgets, home appliances, and more!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
Maybank GRAB Mastercard Platinum Credit Card
New Maybank Grab Credit Card rewarding you for all your lifestyle daily needs i.e Food, Transport, E-Commerce, Up to 5 Grab Reward Points for every 1 Ringgit Malaysia spent
Min. Monthly
Income
Annual Fees
Cashback
RM 8,334
Free
-
Limited Offer
Maybank Islamic Ikhwan Visa Infinite
Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
Maybank Shopee Visa Platinum Credit Card
Receive 5000 Welcome Shopee Coins after RM300 spend and enjoy up to 5x Shopee Coins for any spend on Shopee, dining, entertainment, and contactless payments.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,333
Free
up to 8%
Limited Offer
Maybank Islamic Ikhwan American Express Platinum Card-i
Up to 2x TreatsPoints from retail spending
Min. Monthly
Income
Annual Fees
Cashback
RM 4,166
Free
-
Limited Offer
Public Bank Visa Platinum Credit Card
Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
up to 5%
Limited Offer
Maybank 2 Platinum Card
Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
Up to 5%
Limited Offer
CIMB Visa Infinite Card
Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.
Min. Monthly
Income
Annual Fees
Cashback
RM 10,000
Free
-
Limited Offer
AmBank/AmBank Islamic Visa Infinite
For every RM1 spent overseas, you earn 5 AmBonus Points! And also enjoy exclusive travel and dining privileges too!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
RM 130
-
Limited Offer
Maybank MasterCard Gold
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 150
-
Limited Offer
Hong Leong GSC Gold Card
Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!
Min. Monthly
Income
Annual Fees
Cashback
RM 8,333
Free
-
Limited Offer
Maybank Manchester United Visa Infinite
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
-
Limited Offer
BSN UUM-BSN Platinum Credit Card-i
Use it at over 29 million merchants and 1 million ATMs worldwide, enjoy Happy Points and many more card facilities.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 128
Up to 10%
Limited Offer
UOB Lady's Platinum Card
Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
Free
-
Limited Offer
Maybank Manchester United Visa
Enjoy 10x TreatsPoints at the United Direct Store, 5x TreatsPoints if Man Utd wins an EPL match and 5x TreatsPoints for retail spending.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
CIMB Travel Platinum Credit Card
ravel sooner than you think with your CIMB TRAVEL PLATINUM and earn up to 2X Grab Airport transfer.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
Free
8%
Limited Offer
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i
Earn 8% Cash Back for spending at PETRONAS stations on Saturday & Sunday and 1% Cash Back for spending at PETRONAS stations from Monday till Friday (capped at RM50 per month) when you link your card and pay for fuel via CardTerus on the Setel app.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,333
Free
up to 5%
Limited Offer
Maybank Islamic MasterCard Ikhwan Platinum Card
A money-saving credit card with 5% cashback on groceries and petrol, TreatPoints gift redemption, and no annual fee for life plus FREE Touch 'n Go Zing card!
Min. Monthly
Income
Annual Fees
Cashback
RM 4,000
Free
-
Limited Offer
BSN Platinum Credit Card-i
With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM300,000!.
Min. Monthly
Income
Annual Fees
Cashback
RM 6,667
RM 450
-
Limited Offer
AmBank BonusLink Visa Card
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
RM 95
RM100/mth
Limited Offer
AEON BiG Gold Visa Card
Bring home some spare cash, not just groceries with AEON BiG Gold Visa Card.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
8%
Limited Offer
Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i
8% Cash Back for spending at PETRONAS stations on Saturday & Sunday and 1% Cash Back for spending at PETRONAS stations from Monday till Friday (capped at RM50 per month) when you link your card and pay for fuel via CardTerus on the Setel app.
Min. Monthly
Income
Annual Fees
Cashback
RM 4,167
Free
-
Limited Offer
Public Bank Platinum MasterCard Credit Card
Enjoy free travel insurance and no annual fees.
Min. Monthly
Income
Annual Fees
Cashback
RM 8,333
Free
-
Limited Offer
Maybank Islamic World Mastercard Ikhwan Card-i
10,000 TreatsPoints on first spend, exclusive discounts on dining, golf privileges
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 300
RM100 /mth
Limited Offer
Hong Leong MATTA Card
Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 300
-
Limited Offer
Maybank Singapore Airlines KrisFlyer American Express Platinum Credit Card
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
-
Limited Offer
Maybank American Express Platinum
Up to 5x Membership reward points for every RM you spend
Min. Monthly
Income
Annual Fees
Cashback
RM 4,000
Free
up to 1%
Limited Offer
Maybank FC Barcelona Visa Signature
Enjoy fast-track immigration at over 280 international airports PLUS 5% discount in FCBotiga official store in Camp Nou.
Min. Monthly
Income
Annual Fees
Cashback
RM 6,667
Free
-
Limited Offer
AmBank/AmBank Islamic Visa Signature Card
Earn 3 AmBonus Points for every RM1 spent overseas, and also enjoy exclusive dining and travel privileges!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
BSN Classic Card
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
12X OCBC$
Limited Offer
OCBC Titanium Mastercard
If you cannot resist the thrill of shopping online or via e-wallet , OCBC Titanium Mastercard is just what you need!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 75
-
Limited Offer
Public Bank Visa Classic Credit Card
Enjoy 0.6% cashback on all retail spending plus FREE Automatic Travel Insurance with coverage of up to RM350,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
RM 68
-
Limited Offer
UOB Lady's Classic Card
Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
Free
-
Limited Offer
BSN Gold Credit Card-i
All your overseas retail spending will be rewarded with up to 2x BSN Reward points, included with Travel Accident insurance coverage of up to RM300,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 10,000
Free
-
Limited Offer
CIMB PETRONAS Visa Infinite-i Credit Card
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
Up to 5%
Limited Offer
CIMB Cash Rebate Platinum Credit Card
Splurge online or spend on your daily needs and get rewarded up to 5% cash rebates on cinema, groceries, petrol, mobile, and utilities.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 300
-
Limited Offer
Hong Leong GSC Platinum Card
Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC!
Min. Monthly
Income
Annual Fees
Cashback
RM 4,000
Free
-
Limited Offer
BSN Platinum MasterCard / Visa
Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,500
Free
up to 5%
Limited Offer
Maybank Islamic MasterCard Ikhwan Gold Card
Enjoy up to 5% cashback every Friday and Saturday, and 10,000 Maybank TreatsPoints on your FIRST TIME spend with your new Maybank MasterCard Ikhwan Gold Card.
Min. Monthly
Income
Annual Fees
Cashback
RM 8,334
Free
-
Limited Offer
Maybank 2 Cards Premier
Redeem 1,000 AirMiles with 5000 TreatsPoints while earning 5 TreatsPoints for every RM1 spent locally and overseas.
Min. Monthly
Income
Annual Fees
Cashback
RM 3,000
RM 100
-
Limited Offer
Maybank Singapore Airlines KrisFlyer American Express Gold Credit Card
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
Hong Leong Essential Card
Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
-
Limited Offer
HSBC TravelOne Credit Card
Instant reward redemption with an extensive selection of airline and hotel partners.
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
RM 300
Up to 6%
Limited Offer
Hong Leong The Store and Pacific Platinum
Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
BSN UUM-BSN Gold Credit Card-i
This card rewards up to 2x BSN Reward points with all retail spending, and get covered with Travel Accident insurance of up to RM500,000!
Min. Monthly
Income
Annual Fees
Cashback
RM 5,000
Free
0% Auto-IPP
Limited Offer
OCBC Cashflo Mastercard
Recognized by The Asian Banker as the "Best Credit Card for Instalments," offering you up to 6 months 0% Auto-IPP.
Min. Monthly
Income
Annual Fees
Cashback
RM 2,000
Free
-
Limited Offer
Hong Leong ACCCIM Credit Card
Get a business-size credit limit on your card of up to RM300,000, and also with Travel Accident Insurance and travel Inconvenience Coverage protection!
Still unsure about which
product best suits you ?
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for a credit card online?
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How to Find a Saving Account with the best Interest Rate ?Intense competition in the banking sector means certain banks do offer higher interest rates for their savings accounts compared to others in order to capture a wider market segment. As a smart consumer, you are advised to make an effort to seek out these banks. To find the savings accounts with the best interest rates in Malaysia, simply refer to the table at the top of the page, which contains a list of all savings accounts offered by major banks in Malaysia as well as their latest prevailing rates. Upon finding a savings account you like, you can also apply for one online and at no charge. Simply click on “Apply Now” beside the savings account of your choice, and allow our consultant to help make the necessary arrangements on your behalf.
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Are Your Deposits Safe With a Saving Account ?Deposits made at most banks in Malaysia are protected by Perbadanan Insurans Deposit Malaysia (PIDM), an insurance that automatically insures depositors against closure of the bank for up to RM250,000 per depositor per bank. Banks that are protected under PIDM are known as PIDM member banks, usually identifiable by a PIDM sign at the front counters. To be insured by PIDM for more than RM250,000, the best way is to place any amount above RM250,000 with a different bank. Another way is to place the money into a joint-name account or an Islamic account, which are insured separately from conventional single-name account.
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Does a Savings Account Generate Interest Rate ?Most savings accounts in Malaysia do generate interest, but the rates pale in comparison to the returns generated by Fixed Deposit accounts. Generally speaking, saving accounts are not considered good financial vehicles to generate interest returns from your money. Instead, they are mostly considered as a means to store and withdraw money for everyday expenditure. To get the best return from your savings account, always make sure you have done the necessary comparison between different savings accounts before you commit. Also, some savings accounts may feature a tiered interest rate system, which gives you a higher interest rate for higher account balances. Ultimately, you should always find out more about your saving account in order to take full advantage of its policies.
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How Do Saving Accounts Work ?In a standard savings account arrangement, you deposit your funds to a bank and receive interest based on the amount of money you have in the account on periodic basis. You are allowed to access the funds you have deposited through a variety of mediums, which include withdrawals from a bank counter, an Automated Teller Machine (ATM) through a debit card, or via phone banking and in certain cases, through an online banking service. Savings accounts generally do not have cheque facilities. In Malaysia, a deposit account that works in an identical manner as a savings account but comes with a chequebook is known as a current account. However, current accounts are typically harder to qualify for, and could also come with maintenance charges.
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Small business loans to suit your short term financing needsPersonal loans can be used not only to bridge person cash needs, but also small business needs. Sole proprietors may find these small business loans useful to fund business expansions, fulfill short term cashflow needs, or even to jumpstart a new business venture. The banks and products selected offer larger loan amounts, longer loan tenure or favourable interest rates to high-credibility borrowers for the purpose of doing business.
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What is the best credit card for me ?The best credit cards in Malaysia is different for each person, as it depends on what you want and what you're looking for from your credit cards. If you want to compare and find the credit card that is best suited for you, you should try using our credit card comparison tool available on our product listing page. Just simply check the tickbox on the products you want to compare and press the 'Select products to compare' button. You can compare up to 3 products at the same time.
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What are the credit limits In Malaysia ?In Malaysia, credit card holders with income of RM36,000 or less in a year are restricted to a maximum credit limit of twice of his or her monthly income. For example: if your monthly income is RM2,000, your credit limit would be a maximum of 2 × RM2,000= RM4,000. Credit limits for those earning above RM36,000 are determined by the card issuers.
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Can I use a credit card to transfer/withdraw money ?No, you cannot use a credit card to transfer or withdraw money.
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What documents do I need for an application ?The documents needed for an application are different depending on which credit card you want. However, they will usually ask for: A copy of your MyKad (both sides) Your payslips from the last three months or, Your latest bank statements from the last three months or Your EPF statements from the last three months or, If you are self-employed, your latest Borang B/BE with LHDN acknowledgement.
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How many credit cards can you hold in Malaysia ?You can hold any number of credit cards from a maximum of two (2) card issuers if you are a qualified cardholder with an annual income of RM36,000 or less. There are no limitations on the number of cards and card issuers if your annual income is above RM36,000.
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What happen if I miss a payment on my credit card ?You will be charged a penalty of 1% of the unpaid amount on your bill (or a minimum of RM10) if you miss a payment. This amount is cumulative, so it will add up over time.
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What is minimum salary when applying for a credit card ?Different credit cards have different minimum salary requirements, so the best thing you can do is look for a credit card that has a minimum salary requirement that you can meet.
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What are the benefits of having a credit card?The benefits of having a credit card include: 1) An opportunity to build a good credit history 2) Convenient and easy to track your purchase history 3) You can get cash advance in emergencies And many more.
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Do I qualify to apply for a credit card ?To check if you qualify for a credit card, you can refer to our credit card FAQ section and check the requirements needed for any listed credit cards.
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What is a credit card and how does it work?A credit card is a card issued by a bank that allows its owner to pay for goods and services with merchants that allow card payments. The way it works is that each credit card has a set limit of funds (credit) that you can access through the card, which you can use in advance to purchase goods and services and pay back the funds at the end of the month or according to the repayment schedule with or without interest charges.
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What are the different credit card categories in Malaysia ?There are various types of cards, each with different privileges and functions. In Malaysia, these are the major categories of credit cards you can consider applying for: Rewards credit cards: These cards give you reward points for purchases made using your credit card. Reward points are redeemable for gifts, vouchers, and other benefits. Cash back credit cards: These cards return a percentage of what you spend on the card each month. The value of this cashback depends on what you’re buying, as each card caters to a certain type of lifestyle. Balance transfer credit cards: Balance transfer is a credit card feature that allows you to move high-interest debt from one or more credit cards to a new card with a lower interest rate. This can significantly reduce the amount of interest you pay and serves as a strategic tool to regain control over your finances. Low interest: These cards offer lower interest rates compared to conventional cards. Travel credit cards: These cards give you air miles with partner airlines for selected purchases. Miles are redeemable for travel-related privileges, such as air tickets, and seats upgrades with participating airlines. Petrol credit cards: These cards offer petrol-related benefits, such as cash rebates or extra reward points on fuel and spending at petrol kiosks. Dining credit cards: These cards offer discounts and promotions for various restaurants and eateries. Shopping credit cards: These cards offer discounts and promotions from various shopping outlets and stores. Some shopping credit cards also cater to online shopping as well. Premium credit cards: Premium cards offer promotions and privileges that focus on higher-end products and services, such as golfing, fine-dining and exclusive clubs. Islamic credit cards: These are credit cards which are compliant with Islamic law or Shariah. Islamic credit cards are easy to identify because they usually have the “-i” suffix in their names.
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What credit card can I get with a low credit score ?It is very difficult to get a credit card with a low credit score. We recommend you to instead focus on improving your credit score before trying to get a credit card.
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What are the minimum monthly repayments ?Card holders are generally required to make a minimum payment of 5% of your monthly bill (or a minimum of RM50).
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What are the important factors you should compare for credit cards ?Some of the factors that you need to compare include the Annual Percentage Rate (APR), the minimum repayment amount, the annual fee, other charges, and other factors. If you want an easy way to compare different credit cards, browse through the list of products on our credit card listing page and use our comparison tool by ticking the check box on the product tile and pressing the 'select products to compare' button. You may compare up to 3 different products.
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Which type of credit card is best for me ?The best credit card for you depends on what features and benefits you are looking for from your credit card. Different credit cards come with a different features and benefits, so the first step for you will be to determine which features and benefits will be the best option for you.
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How to apply for a credit card online ?There are many ways for you to apply a credit card. Some can be applied by calling into the customer careline of a specific bank, and some can be applied on the website of a specific bank. However, if you're looking for an easy way to apply for credit cards, why not try using our SmartSearch credit card application feature?
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What are the main requirements for credit card application ?The main requirements for credit card applications in Malaysia is Age, Malaysian nationality, and minimum income requirements.
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How does a credit card installment work ?Some retailers will offer installment plans for your credit card purchases. In this case, you will be allowed to pay for your purchase through monthly payments. These payments will be reflected in your credit card statement, which you are required to pay off at the end of each month.
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What are the credit card interest rates?Interest rates for credit cards in Malaysia commonly range between 13.5 – 17.5% p.a. You might be charged a higher interest rate if you have a history of missing payments on bills and loans, or other credit cards. If you have a low credit score, this may also affect the interest rate you are charged.
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Can I use a credit card to get a cash advance ?No, you cannot use a credit card to get a cash advance.
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Islamic VS Conventional MortageThe banks presented in the comparison table offer both Islamic and conventional loans. Islamic loans are Shariah compliant. Instead of borrowing and lending, Islamic finance relies on sharing the ownership of the assets and therefore risk and profit/loss.
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Some Factors You Need to Be Aware of When You Choose a Home LoanMargin of Financing: the margin of financing is also known as the loan-to-value ratio. The margin of financing is the amount of your loan expressed as a percentage of the property's value. The lower the margin of financing, the more 'equity' there is in the property. The margin of financing could go as high as 95% (of the value of the house), and is assessed on factors such as: Type of property Location of property Age of the borrower Income of the borrower Early Termination Penalty: Some mortgage lenders may apply an early termination penalty if the loan is paid off in part or in full within a specified time period, including if you refinance the loan with another lender. This specified time period where you are liable to pay an early termination penalty is called the 'lock-in period'. Depending on the term and size of your loan, this charge can be quite significant. Fees & Charges: There are a number of related costs (such as professional fees and government charges) that you would have to pay when you take out a mortgage. Some common fees and charges you would expect to incur include: Stamp duties: Sale & Purchase Agreement (0.5% to 1.0%), Loan Agreement (0.5%) and Transfer of Title (1.0% to 2.0%) Disbursement Fees: varies by state, land office and type of property Processing Fees: one time charge by the lenders (up to a few hundred ringgit).
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RefinancingYou might choose to refinance your current mortgage in case another bank offers a lower mortgage interest rate. In order to do it, please submit your application for the bank loan that you would like to take and our mortgage consultants will contact you and explain you the details.
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BR & Other Loan TermsBase Rate (BR): BR in Malaysia is a reference interest rate used by banks to decide how much to charge for various products they offer. In Malaysia, home loans are normally quoted as a percentage above or below the BR. This means, if the BR increases or decreases by a certain amount, the interest rates charged on floating rate loans also increase or decrease by the same amount. Down payment: An upfront payment made by the buyer of a house or car (or other highly priced goods/services). Down payments are typically expressed as a percentage of the full purchase price. For example, a 10% down payment of a RM500,000 home is RM50,000. Foreclosure: A foreclosure happens when the bank repossesses your property and attempts to sell it in order to settle the outstanding amount on your loan. This usually happens when you consistently fail to pay your loan instalments. Mortgage: This is an agreement with the bank to use your property as security in exchange for providing you with a loan to purchase the property. Loan Tenure: This means "period" or "number of years". If a mortgage has a "tenure" of 30 years, it usually means it would take 30 years to fully pay off the loan. Mortgage Reducing Term Assurance (MRTA): This is a type of mortgage insurance. An MRTA provides protection for an outstanding loan amount (usually a home loan), in the event of death or total permanent disability of the person insured. The amount of protection reduces over time, and normally matches the outstanding loan amount. Prepayment (of house loan): Fully or partially paying off your (home) loan before it is due.
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How to use a Housing Loan Calculator ?Duitmyplus has created a housing loan calculator that makes calculating the monthly repayments easy for you. To use the mortgage calculator just scroll up to the top of this page, type in the property price that you would like to borrow and for how long. It will do all the calculations and will present you with the best mortgage deals for you.
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What is a Home Loan ？If you already have an existing housing loan in Malaysia and want to change to another product or lender without moving home, it is known as a 'refinancing'.
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How do Home Loans in Malaysia work ?Interest rates for housing loans in Malaysia are usually quoted as a percentage below the Base Rate (BR). For example, if the current BR rate is 4.00% (Update: As of 2nd January 2015, Base Lending Rate (BLR) has been updated to Base Rate (BR) to reflect the recent changes made by Bank Negara Malaysia, and subsequently by major local banks), the interest rate on a 'BR + 0.45%' loan would be 4.45%. You can check all the home loan interest rates and fill in the home loan application in the home loan calculator above. In a typical Malaysian mortgage, you make monthly payments for an agreed period (i.e. the loan tenure) until you've fully repaid both the principal of the loan and the interest. During the early years of the loan, the majority of your monthly repayments are used to repay interest, however, as time passes, a larger proportion of your repayments will go into paying down the principal.
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Can I get a personal loan if I am unemployed ?As most banks require some proof of income, getting a personal loan without a job can be difficult. Even if you get approved, the loan terms and interest rates you receive may not be the best as financial institutions tend to offer better terms and rates for customers with a good credit score and the employed.
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What documents are required to apply for a personal loan ?The documents needed to apply for a personal loan are: A copy of your NRIC Your salary slip Your EPF statement You may also need other documents depending on your income status (salaried/self employed/commission).
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What is a personal loan ?A personal loan is an unsecured loan you borrow from a bank. This means that you can borrow money from the bank without the bank asking for any collateral. However, you should still repay your personal loan on time to avoid late penalty charges or negative impact on your credit score. A personal loan has a shorter repayment period compared to home loans. You are usually expected to fully repay your personal loan within 10 years. Also, unlike home or car loans, you can get a personal loan without any specific purposes. You can get it for home improvements, start a business or even for medical emergencies. However, we do not recommend getting a personal loan without careful consideration.
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What does these common personal loan terms mean ?
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What are the factors that affect my personal loan approval ?There are a number of factors that affect your chances of being approved for a loan. These include: Your history of paying bills and other loans The types of other loans and credit cards that you own The length of your credit history The number of loan applications that you have made over the last 12 months Any legal action that has been taken against you All of these factors are calculated as part of your credit score. To learn more, read our article on everything you need to know about your credit score.
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How are personal loan interest rates calculated ?Interest rates are determined by lenders based on their Base Rate (BR) plus their declared margin. This number is called the Effective Lending Rate (ELR). For example, Maybank has a BR of 1.75% plus a margin of 1.50%; this means the interest rate that you are charged is 3.25%. Interest rates are expressed as Annual Percentage Rates (APR). This means that the interest is calculated for the whole year instead of a monthly basis. To get the monthly interest rate, just divide the APR by 12 months. Visit our Learning Centre for more information on how the Base Rate works.
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Where can I apply for a personal loan, and why should I apply through via us?We provides you with the tools that you need to find the best personal loan for your situation. Our iMoney consultants will help guide you through the application process and even assist you in checking your eligibility requirements for your preferred loan. We offer: Personal loan calculatorA personal loan calculator to help you decide on how much you can afford to borrow. Our personal loan calculator helps you compare and find the best personal loans in Malaysia based on your needs and eligibility. Friendly customer care agentsOur friendly customer care agents will guide you through the borrowing process. They will call you to check your eligibility and recommend the right personal loan product with higher chances of approval. Our CCAs will also help you with your application after you have filled out your details. Quick and easy online applicationsApply from the convenience of your home. It's fast, free, and fully online (some banks may require you to visit a bank branch to verify your identity).
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When should I apply for a personal loan ?While there are many reasons to get a personal loan, we recommend that you apply for one which can help you generate a return or reduce your debt over time. Some good reasons for getting a personal loan include: To better manage your debts through consolidation If you currently have a few outstanding debts – like other personal loans and credit card balances – consolidating your debts into one lower-interest personal loan will help you better manage your debts. Not only will you be able to lower your overall interest payments and fix a monthly repayment, you will also find it easier to manage just one repayment instead of multiple. To improve your credit score Taking a personal loan and refinancing it on time shows a bank that you can be trusted with credit (a.k.a borrowed money). A good way to do so is to take a low-interest personal loan to pay off your credit card balance – this does not just save you money but can also improve your credit score if you make your repayments on time! To pay for a medical emergency Your physical health should always be prioritized over your financial health. If you or your loved one does not have medical insurance when hit by an unexpected health emergency, taking a personal loan is one of the easiest solutions to access the medical treatment needed. Get more insight as you read our article about the right reasons to take a personal loan.
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Can I use a personal loan for debt consolidation ?Yes, personal loans are suitable for debt consolidation.
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How do I apply for a personal loan online ?It’s quick and simple: Use our personal loan calculator to tell us what you are looking for, your basic and employment info. We will then recommend you a list of personal loans that fit your needs and eligibility. Click “Apply” on the personal loan that you would like to apply for and fill out the application form (your basic and employment info). We’ll get in touch with you within 1 business day to help you process and submit your application. You will hear from the bank or provider on your application status.
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Do I have to pay upfront fees or deposit to apply for a personal loan ?No, there are no upfront fees required to apply for a personal loan or to process your application in Malaysia. iMoney services are completely free to its customers. Do contact the authorities if you have been asked by anybody to pay such fees. Be informed and read our article about loan scams in Malaysia.
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Will a personal loan affect my credit score ?Yes it will. If you meet your monthly commitments without fail, a personal loan can improve your credit score. However, if you miss your monthly payments it may also have a negative impact on your credit score.
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What are the different types of personal loans in Malaysia ?There are two types of personal loans available: secured and unsecured loans. What are secured loans? Secured loans are where you are required to offer an asset (e.g. car, house) as collateral in case you cannot repay your loan. This means that the lender has a legal right to seize the asset you listed in the event you cannot repay your loan within the agreed repayment terms. Bigger loans like home loans may also require you to list a guarantor in case you fail to repay your loan. What are unsecured loans? Unsecured loans are loans where the lenders are not required to list any asset as a collateral. Instead, they will assess you’re your creditworthiness based on the following criteria among other factors before they decide if they want to lend you the money: Your employment status Your proof of income (at least 6 months) Your credit score These criteria will also determine how much you can borrow, your personal loan terms and interest rate. You can read about the types of personal loans and interest rates for more information.
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What is the different between Flat Interest Rate and Effective Interest Rate ?
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What are the general requirements when applying for a personal loan in Malaysia ?In general, there are three basic requirements for applying for a personal loan in Malaysia. These are: You must be between the ages of 18 and 65 years old. You must be a Malaysian citizen (some banks will make an exception if you apply in person). You must not be bankrupt.
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Can I get personal loan if I am an expat ?As we are unable to process personal loan applications for expats, we advise you to visit a bank branch to apply. However, you can apply for certain credit cards with us. Compare and apply for a credit card that best fits your needs and eligibility.
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How much can I borrow with a personal loan ?This depends on your employment status, income, and your credit score. The highest loan amount you can borrow through a personal loan in Malaysia is RM200,000, depending on the financial institutions. However, your salary also plays a part in determining the loan amount that you qualify for. As a rule of thumb, a borrower can typically borrow up to four times his/her monthly salary. Use our personal loan calculator to compare and apply for the personal loan which fits your needs and eligibility.
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What is the minimum salary requirement for a personal loan ?The minimum salary requirement for a personal loan is determined by the lender and amount that you are looking to borrow. In general, you should have a salary of at least RM2,000 per month before applying for a personal loan.
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How does the personal loan calculator work ?The iMoney Personal Loan Calculator is designed to match you with the most suitable loan for your financial needs. It takes into account your salary (which will determine how much you are able to borrow), the type of loan you want, and amount you want to borrow. You can also use the calculator to adjust the amount of time you will need to pay the loan back to get an idea of how much the monthly payments you can afford.
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What is the best personal loan for me ?The best personal loan for you is one that meets your needs and will not financially burden you. Use our iMoney Personal Loan Calculator to find what you need.
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Can I get a personal loan if I am still a student ?The minimum age requirement for a personal loan in Malaysia is 18 years old. However, you will need to have a consistent stream of income in order to qualify for a loan. You are eligible to get a personal loan if you fulfill all the criteria below: Aged 18 and above Have an income slip for at least 6 months, with an employment letter
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How long does it usually take for a personal loan to get approved ?The approval process can be as fast as 48 hours to a few days, depending on the bank or loan provider. Check out our list of fast approval loans which can process your application and disburse the loan to you within 48 hours.
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How do personal loan interest rates work ?The interest rate of a personal loan depends on several factors including your income, employment status, and credit score. Use our personal loan calculator to find the personal loan that best fits your needs and eligibility.
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What are the usual personal loan fees and charges ?You can expect to pay a one time stamp duty fee, in addition to any other bank charges, when you take a personal loan. Additionally, you may have to pay an early settlement fee if you decide to pay off your loan early. You will NOT be asked to pay any fees or charges when applying for a loan.
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What is the age requirement to apply for personal loans in Malaysia ?You need to be at least 18 years old and below 60 years old. The age requirement may differ slightly from financial institution to financial institution. Use our personal loan calculator above to find which financial institution offers a personal loan that you are eligible for.
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What are the differences between Islamic financing and conventional loans? Which should you get ?Firstly, let’s find out what is a conventional loan: A conventional loan follows conventional financing principles where lenders lend money to customers like you and earn profit from the interest you paid on your loan every month. What is an Islamic financing? An Islamic financing follows Shariah financing principles which prohibits Riba (interest-based transactions). Instead, it is based on the concept of earning through the sale of commodities which looks like this: Deferred Payment: where you will repay the Bank of the Item's Selling Price on deferred basis through monthly payments. To find out more, you can read our article about Islamic property financing.
