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UOB Malaysia Intelligent Home Loan 10

Affin Islamic Bank Home Financing-i

3.3%

Interest Rate

Term Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.3%
Loan Type Term Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 31

Al Rajhi Home Financing-i

3.6%

Interest Rate

Term Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.6%
Loan Type Term Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 9

Alliance Islamic Bank Mortgage-i

3.11%

Interest Rate

Flexi Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.11%
Loan Type Flexi Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 8

AmBank Islamic Home Financing-i

3.25%

Interest Rate

Flexi Loan

Loan Type

3 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.25%
Loan Type Flexi Loan
Lock In Period 3 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 27

Bank Islam Baiti Home Financing-i

3.10%

Interest Rate

Term Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.10%
Loan Type Term Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 7

Bank Muamalat Home Financing-i

3.84%

Interest Rate

Term Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.84%
Loan Type Term Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 25

Bank Rakyat Home Financing-i

4.0%

Interest Rate

Term Loan

Loan Type

5 years

Lock In Period

-

New Monthly Repayment
Interest Rate 4.0%
Loan Type Term Loan
Lock In Period 5 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 6

CIMB Islamic Flexi Home Financing-i

3.3%

Interest Rate

Flexi Loan

Loan Type

3 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.3%
Loan Type Flexi Loan
Lock In Period 3 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 3

HSBC Amanah HomeSmart-i

2.8%

Interest Rate

Flexi Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 2.8%
Loan Type Flexi Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 4

Hong Leong Islamic Bank Home Financing-i

4.81%

Interest Rate

Flexi Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 4.81%
Loan Type Flexi Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 16

MBSB Bank Property Financing-i

3.10%

Interest Rate

Term Loan

Loan Type

5 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.10%
Loan Type Term Loan
Lock In Period 5 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 2

Maybank Islamic Commodity Murabahah Home Financing-i

3.25%

Interest Rate

Flexi Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.25%
Loan Type Flexi Loan
Lock In Period years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 1

OCBC Al Amin Financing Manarat Home-i

3.45%

Interest Rate

Flexi Loan

Loan Type

3 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.45%
Loan Type Flexi Loan
Lock In Period 3 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan

Public Islamic Bank Home Equity Financing-i

3.10%

Interest Rate

Flexi Loan

Loan Type

3 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.10%
Loan Type Flexi Loan
Lock In Period 3 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 5

RHB Islamic Home Financing-i

3.5%

Interest Rate

Flexi Loan

Loan Type

3 years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.5%
Loan Type Flexi Loan
Lock In Period 3 years
New Monthly Repayment -

UOB Malaysia Intelligent Home Loan 12

Standard Chartered Malaysia Saadiq My Home-i

3.5%

Interest Rate

Flexi Loan

Loan Type

years

Lock In Period

-

New Monthly Repayment
Interest Rate 3.5%
Loan Type Flexi Loan
Lock In Period years
New Monthly Repayment -
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[vc_row css=”.vc_custom_1659507005626{background: #fef6f5 url(https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/08\/Frame-4318.png?id=4983) !important;}” el_id=”product-category-subheader”][vc_column][vc_column_text css=”.vc_custom_1667307041562{margin-top: 57px !important;margin-bottom: 57px !important;}”]<\/p>\n

Islamic Mortgage Loans<\/h1>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1658978621274{margin-top: 58px !important;margin-bottom: 66px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1675333466957{margin-top: 30px !important;margin-bottom: 30px !important;background-color: #ffffff !important;}”][vc_column css=”.vc_custom_1675333478533{background-color: #ffffff !important;}”][vc_tta_tabs color=”white” active_section=”1″][vc_tta_section title=”Guides” tab_id=”1675326945182-04c5ea33-9c312ab4-cc11″][vc_column_text]<\/p>\n

Guides<\/h2>\n

[\/vc_column_text][vc_column_text]<\/p>\n

\n

Credit Cards<\/h2>\n

Discover which credit card is the ideal fit for your spending habits, or browse through all of your current bank\u2019s available credit card options.<\/p>\n<\/div>\n

[\/vc_column_text]

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\n \n <\/span>Best Credit Cards in Malaysia in 2023 <\/a>\n <\/h5>\n <\/div>\n
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\n LoanPanda compiled all the current promotions and special offers from the best credit card providers offering the most favourable savings on annual fee payments. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Best Categories of Credit Cards <\/a>\n <\/h5>\n <\/div>\n
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\n LoanPanda has numerous categories that can meet the individual demands of every Malaysian. The following are some types of credit cards: <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Credit card with sign-up offers <\/a>\n <\/h5>\n <\/div>\n
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\n Whether this is your first credit card application or you\u2019re just ready for a change, LoanPanda makes it worthwhile with generous weekly sign-up bonuses. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>No Annual fee credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Is the first year on the house? Will it always be free? Are fees waived every year? Yes, they are all available on LoanPanda. Most Malaysians would rather choose a no-annual fee for their credit card, especially first-time cardholders who can focus on building up their credit score. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Cash back Credit Cards <\/a>\n <\/h5>\n <\/div>\n
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\n This card is best for earning cash rewards on purchases every month. Credit cards that yield cash back on transactions are sometimes the most popular option for credit card users. In addition to being lucrative, these cards can also increase your savings. Consider getting a cashback credit card if you spend a lot on groceries, gas, and online purchases. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Rewards credit card <\/a>\n <\/h5>\n <\/div>\n
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\n As the name of this type of credit card implies, you can earn valuable loyalty points from the first time you use it. Keep track of your qualifying purchases and rack up the rewards points with every purchase. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Fuel credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Perfect for people who drive a lot and wish to derive more value from every dollar they spend on gas. The price of gasoline in Malaysia is pretty high these days. However, if you use any credit card for gas, you can earn rewards points, rebates, or miles merely by making gas purchases. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Travel credit card <\/a>\n <\/h5>\n <\/div>\n
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\n This kind of credit card is designed specifically for regular travellers from all walks of life and will help you cut some costs on your travel bills. Any perks can be yours with a travel credit card: miles, cash back, coupons, free use of airport lounges, free insurance, and more. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Islamic credit card <\/a>\n <\/h5>\n <\/div>\n
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\n This subset of credit cards isn\u2019t as complex as it sounds; they function like regular credit cards. The main distinction is that they must adhere to Shariah-compliant expenditure guidelines. Plus, Islamic credit cards are open to all faiths. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Credit card for air miles <\/a>\n <\/h5>\n <\/div>\n
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\n Credit cards that earn airline miles are exactly what regular fliers and vacationers need. Gather as many airline miles as possible; you never know when you might be able to use them as a free flight voucher. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Airport lounge access credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Do you know that if you have certain credit cards, you can have free access to the airport lounge (such as the Plaza Premium Lounge) whenever you travel? We\u2019re serious\u2014you can. You may be eligible for this free access to lounges if you meet the minimum expenditure requirements or fulfil other restrictions. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>e-Commerce credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Why not make the most of your online purchases using a credit card made specifically for online purchases? Depending on the agreement, you may receive cash back or points toward future purchases. You can save money with cashback and get gift cards with reward points. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Movie advertising credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Do you realize that choosing a specific provider can get special card offers, discounts, and even cash back at your favourite movie theatres? Buying tickets at once might add up to a hefty sum for the movies. Using this type of credit card makes sense if you want to save money, and a few credit cards give you reward points for things you buy that are not related to movie promotions. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>High-end credit card <\/a>\n <\/h5>\n <\/div>\n
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\n Designed for VIPs and high-network people. As their name implies, premium credit cards have higher annual income restrictions and offer far more appealing perks.<\/span>
With golfing, travel, and other special perks, this credit card is made to take your luxurious life to a higher level.<\/span>
Get rewarded for your spending while saving time and money.<\/span>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Credit Card<\/span><\/td>\nRate<\/span><\/td>\nCategories<\/span><\/td>\nCondition<\/span><\/td>\nMonthly Cap<\/span><\/td>\n<\/tr>\n
UOB YOLO Card<\/span><\/td>\n5%<\/span><\/td>\nDining Contactless TopUp<\/span><\/td>\nTotal Spending minimum amount RM600 per month<\/span><\/td>\nRM30**<\/span><\/td>\n
Petrol<\/span><\/td>\nSpend Up to RM 100 monthly<\/span><\/td>\nRM10**<\/span><\/td>\n<\/tr>\n
Groceries<\/span><\/td>\nSpend Up to RM 100 monthly<\/span><\/td>\nRM10**<\/span><\/td>\n<\/tr>\n\n\n
UOB ONE Card<\/span><\/td>\n10%<\/span><\/td>\nDining<\/span><\/td>\nSpend Up to RM 100 monthly<\/span><\/td>\nRM30**<\/span><\/td>\n<\/tr>\n
Grab<\/span><\/td>\nSpend Up to RM 100 monthly<\/span><\/td>\nRM10**<\/span><\/td>\n<\/tr>\n
Online Spend: Lazada & Shopee & Grab & Foodpanda & T&G<\/span><\/td>\nFrom RM500 or above monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n\n\n
Hong Leong Wise Card<\/span><\/td>\n8%(Weekend)<\/span><\/td> \n\nGroceries & Essentials<\/span><\/td>\nFrom RM500 or above monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n
Petrol<\/span><\/td>\nFrom RM500 or above monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n
1%(Weekday)<\/span><\/td> \nDining<\/span><\/td>\nFrom RM500 or above monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n
Groceries<\/span><\/td>\nFrom RM500 or above monthly<\/span><\/td>\nUncapped<\/span><\/td>\n<\/tr>\n\n\n
Alliance Bank\u00a0<\/span<\/td>\n0.5%<\/span><\/td>\nOnline Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends<\/span><\/td>\nFrom RM1 up to RM 1,000 monthly<\/span><\/td>\nUncapped<\/span><\/td>\n<\/tr>\n
0.5%<\/span><\/td>\nFrom RM1,001 up to RM 2,000 monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n
5%<\/span><\/td>\nFrom RM2,001 up to RM 3,000 monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n\n
Visa Signature\u00a0<\/span<\/td>\n0.25%<\/span><\/td>\nGroceries, Pharmacy, Online Transactions<\/span><\/td>\nFrom RM500 up tp RM1,499 monthly<\/span><\/td>\nRM5**<\/span><\/td>\n<\/tr>\n
1%<\/span><\/td>\n<\/tr>\n\n
Ambank Cash Rebate<\/span><\/td>\n8%<\/span><\/td>\nGroceries, Pharmacy, Online Transactions<\/span><\/td>\nFrom RM1,500 or above monthly<\/span><\/td>\nRM15**<\/span><\/td>\n<\/tr>\n
1%<\/span><\/td>\nOther Retail Spends (Exclude Petrol, Government and Charity)<\/span><\/td>\nFrom RM1 or above monthly<\/span><\/td>\nUncapped<\/span><\/td>\n<\/tr>\n\n
Annual Fee Waiver Credit Card<\/span><\/td>\nFor life or?<\/span><\/td>\nSecond year waiver?<\/span><\/td>\nCard Features<\/span><\/td>\n<\/span><\/td>\n<\/tr>\n
Alliance Bank\u00a0<\/span><\/td>\nFree for first year<\/span><\/td>\nminimum spend RM12,000 per year<\/span><\/td>\nUp 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>\nFree for life<\/span><\/td>\nFree for life<\/span><\/td>\nUp to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n<\/span><\/td>\n<\/tr>\n\n
AmBank Cash Rebate<\/span><\/td>\nFree for life<\/span><\/td>\nFree for life<\/span><\/td>\nUp to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n<\/span><\/td>\n<\/tr>\n\n
Visa Platinum<\/span><\/td>\nFree for life<\/span><\/td>\nFree for life<\/span><\/td>\nUp to 8% on Groceries, Pharmacy, Online Transactions<\/span><\/td>\n<\/span><\/td>\n<\/tr>\n
Hong Leong Sutera Platinum Card<\/span><\/td>\nFree for first year<\/span><\/td>\nminimum spend RM15,000 per year<\/span><\/td>\nEnjoy 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>\nFree for first year<\/span><\/td>\nat least perform at least 1 retail transaction every month<\/span><\/td>\nGet 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-af212ab4-cc11″][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_1660704463008{margin-bottom: 16px !important;}”]A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.[\/vc_column_text][vc_column_text css=”.vc_custom_1673589066597{margin-bottom: 16px !important;}”]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.<\/span> With a wide variety of these cards with various advantages, you might ask how to pick the ideal one for your financial needs.<\/span> We have collected the following FAQ to enable you to understand the most relevant questions regards credit cards, including user conditions,<\/span> interest rates,<\/span><\/a> and primary payment terms.<\/span>[\/vc_column_text][vc_column_text]Here\u2019s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]

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\n \n <\/span>What is a Credit Card? <\/a>\n <\/h5>\n <\/div>\n
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\n It is a form of payment that can be used to make purchases instead of cash. The amount you spend using a credit card is, in theory, a debt to the bank that must be repaid. Credit cards 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). <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Do I Need a Credit Card? <\/a>\n <\/h5>\n <\/div>\n
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\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:<\/span>\n