[vc_row full_width=”stretch_row_content_no_spaces” css=”.vc_custom_1660703375340{background-color: #f5f5f5 !important;}” el_id=”credit-card-page-header”][vc_column]

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	RM 30
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	RM 30
Cashback	Up to 5%, RM 100/mth

Interest Rate	15% p.a.
Annual Fee	RM 95
Cashback	Up to 5%, RM 100/mth

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 100/mth

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 100/mth

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 3%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 3%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 3%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	RM 148
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 8%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	RM 188

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	RM 188

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	8.88%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 7%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 1.2%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 10%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	RM 1,000
Cashback	Up to RM 500/mth

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate
Annual Fee	Free
Cashback	Up to 10%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 8%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 1%

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	-

<\/div>\n

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Credit Card<\/span><\/td>\n	Rate<\/span><\/td>\n	Categories<\/span><\/td>\n	Condition<\/span><\/td>\n	Monthly Cap<\/span><\/td>\n<\/tr>\n
UOB YOLO Card<\/span><\/td>\n	5%<\/span><\/td>\n	Dining Contactless TopUp<\/span><\/td>\n	Total Spending minimum amount RM600 per month<\/span><\/td>\n	RM30**<\/span><\/td>\n
Petrol<\/span><\/td>\n	Spend Up to RM 100 monthly<\/span><\/td>\n	RM10**<\/span><\/td>\n<\/tr>\n
Groceries<\/span><\/td>\n	Spend Up to RM 100 monthly<\/span><\/td>\n	RM10**<\/span><\/td>\n<\/tr>\n\n\n
UOB ONE Card<\/span><\/td>\n	10%<\/span><\/td>\n	Dining<\/span><\/td>\n	Spend Up to RM 100 monthly<\/span><\/td>\n	RM30**<\/span><\/td>\n<\/tr>\n
Grab<\/span><\/td>\n	Spend Up to RM 100 monthly<\/span><\/td>\n	RM10**<\/span><\/td>\n<\/tr>\n
Online Spend: Lazada & Shopee & Grab & Foodpanda & T&G<\/span><\/td>\n	From RM500 or above monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n\n\n
Hong Leong Wise Card<\/span><\/td>\n	8%(Weekend)<\/span><\/td> \n\n	Groceries & Essentials<\/span><\/td>\n	From RM500 or above monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n
Petrol<\/span><\/td>\n	From RM500 or above monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n
1%(Weekday)<\/span><\/td> \n	Dining<\/span><\/td>\n	From RM500 or above monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n
Groceries<\/span><\/td>\n	From RM500 or above monthly<\/span><\/td>\n	Uncapped<\/span><\/td>\n<\/tr>\n\n\n
Alliance Bank\u00a0<\/span<\/td>\n	0.5%<\/span><\/td>\n	Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends<\/span><\/td>\n	From RM1 up to RM 1,000 monthly<\/span><\/td>\n	Uncapped<\/span><\/td>\n<\/tr>\n
0.5%<\/span><\/td>\n	From RM1,001 up to RM 2,000 monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n
5%<\/span><\/td>\n	From RM2,001 up to RM 3,000 monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n\n
Visa Signature\u00a0<\/span<\/td>\n	0.25%<\/span><\/td>\n	Groceries, Pharmacy, Online Transactions<\/span><\/td>\n	From RM500 up tp RM1,499 monthly<\/span><\/td>\n	RM5**<\/span><\/td>\n<\/tr>\n
1%<\/span><\/td>\n<\/tr>\n\n
Ambank Cash Rebate<\/span><\/td>\n	8%<\/span><\/td>\n	Groceries, Pharmacy, Online Transactions<\/span><\/td>\n	From RM1,500 or above monthly<\/span><\/td>\n	RM15**<\/span><\/td>\n<\/tr>\n
1%<\/span><\/td>\n	Other Retail Spends (Exclude Petrol, Government and Charity)<\/span><\/td>\n	From RM1 or above monthly<\/span><\/td>\n	Uncapped<\/span><\/td>\n<\/tr>\n\n
Annual Fee Waiver Credit Card<\/span><\/td>\n	For life or?<\/span><\/td>\n	Second year waiver?<\/span><\/td>\n	Card Features<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n
Alliance Bank\u00a0<\/span><\/td>\n	Free for first year<\/span><\/td>\n	minimum spend RM12,000 per year<\/span><\/td>\n	Up to 5% on Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n\n
Visa Signature\u00a0<\/span><\/td>\n	Free for life<\/span><\/td>\n	Free for life<\/span><\/td>\n	Up to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n\n
AmBank Cash Rebate<\/span><\/td>\n	Free for life<\/span><\/td>\n	Free for life<\/span><\/td>\n	Up to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n\n
Visa Platinum<\/span><\/td>\n	Free for life<\/span><\/td>\n	Free for life<\/span><\/td>\n	Up to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n
Hong Leong Sutera Platinum Card<\/span><\/td>\n	Free for first year<\/span><\/td>\n	minimum spend RM15,000 per year<\/span><\/td>\n	Enjoy 8x rewards points on <\/span>Online Spend merchants, Groceries & Essentials (including selected convenience stores), Dining and Overseas.<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n
UOB YOLO Visa<\/span><\/td>\n	Free for first year<\/span><\/td>\n	at least perform at least 1 retail transaction every month<\/span><\/td>\n	Get 5% cashback on Online, Dining and Contactless Spending (minimum 5 transactions in a calendar month for each category)<\/span><\/td>\n	<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table> <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n \n Choose One Now<\/a>\n \n [\/vc_tta_section][vc_tta_section title=”FAQ’s” tab_id=”1675326945334-11eef09e-af211a49-4b8a”][vc_column_text]<\/p>\n FAQ<\/h2>\n [\/vc_column_text][vc_row_inner css=”.vc_custom_1675331836289{margin-bottom: 30px !important;padding-top: 46px !important;padding-right: 70px !important;padding-bottom: 46px !important;padding-left: 70px !important;background-color: #fef6f5 !important;border-radius: 25px !important;}”][vc_column_inner width=”4\/12″][vc_column_text] $\"\"$ [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”8\/12″][vc_column_text css=”.vc_custom_1677124993834{margin-bottom: 16px !important;}”]<\/p>\n Today, consumers often use credit cards as payment for their purchases since they are convenient and often come with benefits and incentives that can result in additional discounts for cardholders.<\/p>\n [\/vc_column_text][vc_column_text css=”.vc_custom_1677125016330{margin-bottom: 16px !important;}”]<\/p>\n With a wide variety of these cards with various advantages, you might ask how to pick the ideal one for your financial needs.<\/p>\n [\/vc_column_text][vc_column_text]<\/p>\n We have collected the following FAQ to enable you to understand the most relevant questions regards credit cards, including user conditions, interest rates,<\/u> and primary payment terms.<\/p>\n [\/vc_column_text][\/vc_column_inner][\/vc_row_inner] \n \n \n \n \n \n <\/span>What is a Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n It is a form of payment that can be used to make purchases instead of cash. <\/p>\n The amount you spend using a credit card is, in theory, a debt to the bank that must be repaid. <\/p>\n Credit cards<\/a> are made for people with different levels of income, from low-income (sometimes called \u201cGold\u201d) to middle-income (called \u201cPlatinum credit card\u201d) to high-income (e.g., Infinite, Premier, Signature).<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>Who is Eligible to Use a Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n To apply for a card, the primary cardholder should not at below 21 years old, while the secondary cardholder must be at least 18 years old. <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>How do credit cards function, and do I get an annual fee waiver? <\/a>\n <\/h5>\n <\/div>\n \n \n You might think of it as a short-term loan that you'll be able to pay back when your paycheck arrives. To better understand how it operates, let's examine its fundamental characteristics, which include the following.\n Annual Cost<\/h4>\n Annually, cardholders are charged a fee for the privileges associated with their card. There are cards without an annual cost and cards with an annual fee waiver clause.<\/p>\n Purchase Rate of Interest<\/h4>\n Annually, cardholders are charged a fee for the privileges associated with their card. There are cards without an annual cost and cards with an annual fee waiver clause.<\/p>\n Purchase Rate of Interest<\/h4>\n Even if it's not technically correct, banks charge an interest rate on the remaining balance as a fee when you borrow money and fail to repay the loan promptly.<\/p>\n When a credit card debt is past due, the card issuer may often assess a late fee, also known as interest or Finance Charge.<\/p>\n Interest-Free interval<\/h4>\n This is when no interest rate applies to your amount owed.<\/p>\n Advances in Cash<\/h4>\n A cash advance is a service that enables you to withdraw cash from an ATM using your credit card, similar to how a debit card works.<\/p>\n\n <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>When Will I Need a Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n You can apply for a credit card for several reasons; there is no right or wrong answer. People frequently use credit cards for the following motives: \n \n Build your credit score<\/li>\n Earn Rewards<\/li>\n Worldwide acceptance<\/li>\n Urgent transactions<\/li>\n Budgeting and planning for future cash needs<\/li>\n<\/ul> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What Credit Card Types Are Available? <\/a>\n <\/h5>\n <\/div>\n \n \n In Malaysia, the four largest card networks or card schemes are Visa, Mastercard, American Express, and UnionPay. They teamed with Malaysian banks to provide people with credit cards. You can learn more from our guides and tips.\u00a0<\/p>\n The banks further categorised these cards to satisfy the demands and spending habits of various users by including perks such as cash back on all spending, reward points, and air miles.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What Differentiates Supplementary And Principal Cards? <\/a>\n <\/h5>\n <\/div>\n \n \n A supplemental card is an additional credit card issued under the principle account holder, whereas a principal card is the primary credit card owned by the main account person. A supplemental card may be issued to an individual's parents, spouse, children over the age of 18, or other trusted individuals at the discretion of the primary cardholder.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>How Much is the Lowest Salary Required For Credit Card Application? <\/a>\n <\/h5>\n <\/div>\n \n \n The guidelines provided by Bank Negara Malaysia state that a new primary card applicant must have an annual income of no less than RM24,000 to qualify for the minimum income requirement. When prospective users cannot provide proof of their yearly income, they must post a specific deposit equal to the credit limit authorized.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What are the Requirements for Applying for a Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n Additional documentation may be required to complete your card application, such as, credit history, a valid identification card, and a letter of recommendation from your current or previous employer.<\/p>\n\n Furthermore, it is vital to note that different financial institutions have different minimum income requirements for different credit card types. For example, Bank A only gives a platinum credit card to people who make at least RM3,000 per month, while Bank B gives them to anyone who earns at least RM2,000 per month.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What are Credit Cards with no Annual Fees? <\/a>\n <\/h5>\n <\/div>\n \n \n Some banks provide an annual fee waiver on your card, typically when you meet specific standards, such as spending a certain amount per year or completing a certain number of transactions, and your credit card statement will showcase the same. <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What is the Highest Credit Limit on my Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n Credit limits for primary cardholders with annual incomes of RM36,000 or less must not exceed two and a half times the cardholder's monthly revenue, per Bank Negara Malaysia regulations (per bank). This is for both new and current cardholders but not for retired people.<\/p>\n\n When a cardholder makes more than RM36,000 a year, the bank will decide how much of a credit limit to give.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>How Many Credit Cards can I have? <\/a>\n <\/h5>\n <\/div>\n \n \n Bank Negara Malaysia regulations state that a cardholder having an annual income of no less than RM36,000 may only have credit cards from no more than two providers (financial institutions or banks).<\/p>\n\n If your annual income is over RM36,000, no restrictions apply to the credit cards you can own.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>How Much is the Lowest Monthly Repayment of my Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n The following fees apply to cardholders based on balance transfers:<\/p>\n\n (A) Not less than 5% of the overall sum owed<\/p>\n\n (B) The sum of all scheduled monthly payments under all balance transfer plans (BTP) or easy payment plans (EPP)\u00a0<\/p>\n\n (C) The monthly loan payment that was agreed upon for a specific automatic balance transfer.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What is the Annual Fee? <\/a>\n <\/h5>\n <\/div>\n \n \n Some of the best credit cards don't charge an annual fee, while others may waive it under certain circumstances. Remember that an RM25 service tax will apply to all new and renewed primary and supplementary credit cards.<\/p>\n\n Most people would rather have a Visa credit card that doesn't charge them anything yearly than one that waives their annual fee.<\/p>\n\n A credit card that offers a fee waiver may be a good choice for certain people because meeting the waiver criteria is often easy.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>How Much is the Credit Card Interest Rate? <\/a>\n <\/h5>\n <\/div>\n \n \n When a credit card user fails to pay off their balance fully and on time, the credit card interest rates are added to the total amount owed. The following are the interest rate types (also known as financing charges) for credit cards that Bank Negara Malaysia permits:<\/p>\n\n \n Finance charges applicable to retail transactions<\/li>\n The interest rate on cash advances<\/li> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>What Happens Should I Miss My Repayment? <\/a>\n <\/h5>\n <\/div>\n \n \n If you don't pay on time, a late fee will be added to the amount you still owe.<\/p>\n\n Your existing debt will incur a financing charge ranging from 15% to 18% per year, accumulated daily until it is fully paid.<\/p> <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>Can Withdraw Cash From ATM With Credit Card? <\/a>\n <\/h5>\n <\/div>\n \n \n Yes, a cardholder can use a cash advance to make cash withdrawals with an 18% annual interest rate and withdrawal fee. <\/div>\n <\/div>\n <\/div>\n \n \n \n \n <\/span>Which Credit Card Types Are Available? <\/a>\n <\/h5>\n <\/div>\n \n \n American Express, MasterCard, and VISA are among Malaysia's leading payment processors and credit card issuers.\u00a0<\/p>\n\n Generally, the best credit cards from American Express and other providers are categorized based on the characteristics like interest rate and the following:<\/p>\n\n \n Rewards<\/li>\n\n Cashback<\/li>\n\n Petrol<\/li>\n\n Air Miles<\/li>\n\n Islamic shopping <\/li>\n<\/ul> <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n [\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1662354133900{background-color: #f5f5f5 !important;}”][vc_column width=”1\/12″][\/vc_column][vc_column width=”6\/12″ css=”.vc_custom_1658198808293{margin-top: 86px !important;margin-bottom: 86px !important;}” el_id=”footer-on-top”][vc_column_text css=”.vc_custom_1663400130590{margin-bottom: 8px !important;}”]<\/p>\n We Are Here to Help<\/h1>\n [\/vc_column_text][vc_column_text css=”.vc_custom_1663400216839{margin-bottom: 24px !important;}” el_id=”footer-on-top-subtitle”]Our mission is to deliver reliable, up-to-date tips & advice[\/vc_column_text][vc_column_text css=”.vc_custom_1684983278208{margin-bottom: 8px !important;}” el_id=”footer-on-top-contact-info”] $\"\"$ 011-7074 4194[\/vc_column_text][vc_column_text css=”.vc_custom_1661765868059{margin-bottom: 36px !important;}” el_id=”footer-on-top-contact-info”] $\"\"$ official@loanpanda.com.my<\/p>\n \n \n \n \n <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n [\/vc_column_text][vc_row_inner][vc_column_inner el_id=”footer-on-top-btn-left” css=”.vc_custom_1663400583680{margin-bottom: 16px !important;padding-left: 0px !important;}”]\n Meet The Consultant<\/a>\n \n [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”4\/12″ el_id=”footer-on-top-img” offset=”vc_hidden-xs”][vc_single_image image=”4634″ img_size=”full”][\/vc_column][vc_column 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Best Credit […]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-4880","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/comments?post=4880"}],"version-history":[{"count":122,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4880\/revisions"}],"predecessor-version":[{"id":15141,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4880\/revisions\/15141"}],"wp:attachment":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/media?parent=4880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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