Bank Islam Master Cobrand Credit Card

Banking & Finance Published on February 3, 2010 By RMvalues - Leave Comment

Bank Islam Master Cobrand Credit Card

MBSB-Bank Islam Credit Card

Benefit

Based on the Shariah contract that is free from ‘Riba’ and ‘Gharar’
Profit margin is fixed for the whole tenure
Accept transactions from “HALAL” merchant only
Financing limit offered is at par with that offered by other card issuers
Latest SMART Chip Technology
No compounding elements
Zakat payments acceptance
Complimentary Group Family Takaful coverage (up to RM100,000) and funeral expenses of RM5,000 for principal cardholders for the whole period of contract.
Discounts on Mail Order Telephone Order (MOTO) Programme and Easy Payment Schemes

Annual Income – RM 18,000
Annual Fee – Annual fee is waived for pricinple card subject to a minimum of 12 transactions per annum. (Principle RM 60, Supplementary RM 30.)

Contract – Bai-Inah
Contract Length – 3 years
Eligibility – Principle 21 years old, Supplementary 18 years old

Joining Fee	Free
Cash Advance Fee	Minimum RM 12 or 2.5% – Bank Islam ATM Minimum RM 50 or 3% – Other ATMs
Minimum Monthly Repayment	Minimum RM 50 or 5%
Over-limit Fee	Unknown
Late Payment Charge	Minimum RM 5 or 1%, capped RM 50
Interest Free Period	20 days
Card Replacement Fee	RM 50
Conversion For Overseas Transactions	Determined by MasterCard International
Sales Draft Request	RM 5 – Copy RM 20 – Original
Statement Request	RM 5

For more information, please visit http://www.bankislam.com.my/

AmBank Cobrand Master Credit Card

Banking & Finance Published on January 31, 2010 By RMvalues - Leave Comment

AmBank RealRewards MasterCard

Benefit

2 sets of points – Real Points and AmBonus Points
Convert AmBonus points to Real Points.
1 AmBonus Point for every RM1 you spend
2x AmBonus Points at selected merchants
Get 2x Real Points on your birthday month at RealRewards merchants.
Enjoy an extra 20% Real Points for a minimum cumulative spending of RM500 and above quarterly at any participating RealRewards merchants.

Annual Income – RM 18,000
Annual Fee – Principle RM 90, Supplementary RM 45 (1st card is Free) (FREE-for-Life for Principal & Supplementary with no transaction condition)

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining Fee	Unknown
Cash Advance Fee	Minimum RM 50 or 5%
Minimum Monthly Repayment	Minimum RM 50 or 5%
Over-limit Fee	Minimum RM 50 or 2% of the amount above credit limit
Late Payment Charge	Minimum RM 5 or 1%, capped on RM 50
Interest Free Period	20 days
Card Replacement Fee	RM 50
Conversion For Overseas Transactions	MasterCard International conversion rate + 1%
Sales Draft Request	RM 20
Statement Request	RM 20 (only for up to last 3 months)

AFFIN Bank Master Cobrand Credit Cards

Banking & Finance Published on January 26, 2010 By RMvalues - Leave Comment

AFFIN Bank BHPetrol Touch & Fuel MasterCard

Annual Income – RM 24,000
Annual Fee – Principle Unknown, Supplementary Unknown (1st year waived, subsequent year based on annual spending)

Benefit

Free for Life Annual Fees (minimum RM 2,400 spending/year)
Free RM 20 BHPetrol Credit (Welcome bonus)
PayPass Facility (for transaction RM 110 or below)
Free RM 30,000 Travel Accident Coverage for 1st year
AFFIN Bonus – Cash Rewards (Based on monthly total transaction amount)
RM 100 – RM 1,500 = 0.4%
Above RM 1,500 = 0.8%
AFFIN Rebates – Cash Rebate on Interest (Late payment interest)
RM 25 – RM 50 = 2%
RM 51 – RM 100 = 3%
Above RM 100 = 5%
Easy Installment Plan (Minimum RM 500 per transaction)
AFFIN Protector (A unique protection plan that pays up to RM50,000 of the full outstanding balance on your credit card from AFFINBANK in the event of total disability or death from any course. )
RM0.23 per every RM1,000 outstanding balance/month
Free Travel Insurance Coverage (by Arab-Malaysia Assurance Berhad.) when you charge your air ticket by Affin Bank Master Credit Cards.
up to RM 250,000 for Classic and up to RM 500,000 for Gold Card holder.
Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
Worldwide emergency travel assistance by MasterCard Global Service

AFFIN Bank Touch ‘n Go Master Classic

Annual Income – RM 18,000
Annual Fee – Principle RM 50, Supplementary RM 35

AFFIN Bank Touch ‘n Go Master Gold

Annual Income – RM 36,000
Annual Fee – Principle RM 150, Supplementary RM 75

Benefit

Touch ‘n Go Facility
AFFIN Bonus – Cash Rewards (Based on monthly total transaction amount)
RM 100 – RM 1,500 = 0.4%
Above RM 1,500 = 0.8%
AFFIN Rebates – Cash Rebate on Interest (Late payment interest)
RM 25 – RM 50 = 2%
RM 51 – RM 100 = 3%
Above RM 100 = 5%
Easy Installment Plan (Minimum RM 500 per transaction)
AFFIN Protector (A unique protection plan that pays up to RM50,000 of the full outstanding balance on your credit card from AFFINBANK in the event of total disability or death from any course. )
RM0.23 per every RM1,000 outstanding balance/month
Free Travel Insurance Coverage (by Arab-Malaysia Assurance Berhad.) when you charge your air ticket by Affin Bank Master Credit Cards.
up to RM 250,000 for Classic and up to RM 500,000 for Gold Card holder.
Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
Worldwide emergency travel assistance by MasterCard Global Service

Eligibility – Principle 21 year old, Supplementary 18 year old. Both must younger than 65 year old.

Card courier fees of RM5 within Malaysia and actual cost incurred for overseas destination shall be imposed.

Joining Fee	Unknown
Cash Advance Fee	Minimum RM 20 or 5%
Minimum Monthly Repayment	Minimum RM 50 or 5%
Over-limit Fee	Unknown
Late Payment Charge	Minimum RM 10 or 1%, capped on RM 50
Interest Free Period	20 days
Card Replacement Fee	RM 50
Conversion For Overseas Transactions	MasterCard International conversion rate. AFFINBANK does not charge any additional fee. (But we doubt it.)
Sales Draft Request	RM 10
Statement Request	RM 5

For more information, please visit http://www.affinbank.com.my/

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