Tag Archives: Shariah

Salamfone – an Islamic Shariah Concept Mobile Virtual Network Operator

Salamfone

Salamfone is a company that owned by Reach Telecom, Kuwait. Salamfone had obtained their Shariah certificate on December 2010, and it’s the only operator that offer free daily praying time as well as takzirah and hikmah. Salamfone operated under Celcom network.

Plan Ummah Ilmiah Musafir
Calls Same Network RM 0.15/minute RM 0.12/minute RM 0.20/minute
Calls Other Networks RM 0.15/minute RM 0.16/minute RM 0.20/minute
Charging Block Unknown
SMS Same Network RM 0.09/SMS RM 0.03/SMS RM 0.10/SMS
SMS Other Networks RM 0.09/SMS RM 0.08/SMS RM 0.10/SMS
Famili & Rakan Salam
Favorite Numbers 5
Calls RM 0.12/minute
SMS RM 0.05/SMS

I’ve found no any MMS information, it seems that they are Continue reading

Bank Simpanan Nasional Al -Aiman Master Credit Cards

Bank Simpanan Nasional

Bank Simpanan Nasional

This is an Islamic credit card issued under Shariah Compliant of Bai’Inah concept designated for Government/ Private Sector Employee with a line of financing granted by us to you and where any amount of the financing utilised by you has not been settled in full on or before a specified date, the unsettled amount may be subject to profit or other charges.

Bai’Inah is when the financier sells an asset to the customer on a specified deferred payment and the asset is immediately repurchases by the financier for a cash discount which is declared during the process of Aqad.

BSN Al -Aiman MasterCard Standard

Bank Simpanan Nasional Al -Aiman MasterCard Standard

Benefit

  • Every RM 1 spend = 1 Bonus Point
  • Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
    Flight delayed or canceled – up to RM 300
    Lost Baggage or delayed – up to RM 500
  • Credit Shield Program – pay RM 0.30 for every RM 100 to join.

Annual Income – RM 18,000
Annual Fee – Principle RM 60 , Supplementary RM 30 ( Government workers enjoy 3 years waiver and subsequent year based on usage; Non government workers enjoy 1 year waiver and subsequent year based on usage; refer table below )

Annual Usage Pricinple Annual Fee Supplementary Annual Fee
RM 1,200 – RM 1,999 RM 45 RM 22.50
RM 2,000 – RM 2,999 RM 30 RM 15
RM 3,000 – RM 3,999 RM 15 RM 7.50
RM 4,000 and above Free Free

BSN Al -Aiman MasterCard Emas

BSN Al -Aiman MasterCard Emas

Benefit

  • Every RM 1 spend = 1 Bonus Point
  • Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
    Flight delayed or canceled – up to RM 600
    Lost Baggage or delayed – up to RM 800
  • Credit Shield Program – pay RM 0.30 for every RM 100 to join.

Annual Income – RM 48,000
Annual Fee – Principle & Supplementary Free for life

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining Fee Unknown
Cash Advance Fee Minimum RM 10 or 5%
Minimum Monthly Repayment Minimum RM 50 or 5%
Over-limit Fee RM 5
Late Payment Charge Minimum RM 5 or 1%
Interest Free Period 20 days
Card Replacement Fee 1st time – Free
Subsequent RM 50
Conversion For Overseas Transactions Transactions conducted outside Malaysia will be converted to Ringgit Malaysia using the exchange rate
fluctuates on the date the transaction is received and/or processed.
Sales Draft Request RM 5 /copy and RM 15 /original sales draft
Statement Request Unknown

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