In Malaysia, there are 3 tiers of annual interest rates chargeable on the outstanding balance based on the cardholders’ repayment habit: If you consistently pay your card bills in full and on time, then you don't have to worry about interest rates at all. Existing principal/supplementary cardholders who are holding any of Standard Chartered credit card(s) within the past 6 months from the campaign's start date. Normally, a credit card will have one of the features above. To get your credit card annual fee waived is simply by making one transaction per month for 12 consecutive months, or meet the card's minimum spending required in a year. Annual Income. Once you have chosen the right card, click APPLY NOW button to start the WhatsApp application. Once approved by the bank, you need to activate the card or achieve a minimum spending requirement within a stipulated time to qualify for the free gift, subject to participating banks' campaign terms and conditions. Credit card application can be made online through 2 simple processes: (1) RinggitPlus WhatsApp, then (2) Citibank Digital Form. The banks then further categorised these cards to meet various consumers’ needs and spending habits to having features such as cashback, reward points and air miles. Think of it like a fast loan that you can pay back when your salary kicks in. Apply Credit Card via RinggitPlus . or. Apply Credit Card via RinggitPlus . Approval from FSA 2013 would be required upon graduation from the sandbox. but somehow they will try to promote other bank carda that you dont want. Every day, R+ help you get more for your money – whether you’re applying for a credit card, personal loan, an insurance plan, a home loan for your dream house, and much more. Standard Chartered has made a major revision to the cashback benefits of its Liverpool FC Cashback Credit Card. Compare and apply CIMB cards. Keep a tab on this section as it will be updated weekly. As for activation, you will receive instructions on how to activate your credit card once your credit card has been approved and delivered to you. Home Loan. As your total monthly spending increases, the higher the cashback rate you will earn. RinggitPlus brings you the latest deals, discounts and offers from your favourite credit cards so you can maximise on savings. Credit Card. Existing principal/supplementary cardholders who had cancelled their UOB credit card within the past 3 months prior to applying on the campaign's start date. The ChatBot service with RHB, provides Malaysians with a unique and revolutionary way to apply for credit cards. If you miss your payment, late payment fee will be charged on the outstanding balance. New customer only. It offers up … Effective 1 February 2021, you will earn ringgitplus.com Standard Chartered Revises Liverpool FC Cashback Credit Card To 1% Cashback Rate In your statement cycle, you are allowed to make a partial repayment of your card bill to avoid being charged with a late finance fee on the outstanding balance. RinggitPlus Credit Card Promotion: 18 Jan – 21 Jan 2021 Citi. Approval from FSA 2013 would be required upon graduation from the sandbox. If you want a credit card that saves you money on petrol, flights, shopping or household bills, a Maybankard is the safe choice. You can apply for a Standard Chartered credit card online through 2 simple steps: (1) RinggitPlus WhatsApp, then (2) Standard Chartered Digital Form. Existing principal/supplementary cardholders who had cancelled their AmBank credit cards within 1 year before the date of application. This credit card has a tiered cashback rate that is based on your total monthly spends. That's not all, you will also have a lower credit score that consequently reduces your chances of getting approved on your personal, car or home loan applications in the future. New customer only. In theory, when you pay for something using a card, that amount is owed from the bank and need to be paid back. DISCOVER. RinggitPlus.com offer require to generate the tracking link accordingly in order to able track the conversion properly. I have a decent salary but I did try Citibank but the person in charge called me and informed that my application was a "weak application" and cancelled the application instead of rejecting thus not affecting my CCRIS "not sure … It is a payment instrument that you can use to purchase something instead of using cash. Standard Chartered has made a major revision to the cashback benefits of its Liverpool FC Cashback Credit Card. Effective 1 February 2021, you will earn ringgitplus.com Standard Chartered Revises Liverpool FC Cashback Credit Card To 1% Cashback Rate For those earning more than RM36,000 per year, there is no limit to the credit that will be assigned to you. 3 minute read; C Credit Cards. All you need to do is submit your application via RinggitPlus WhatsApp by providing your MyKad (front and back) and get approved by the bank. spend RM200)*, 30% off online purchases via www.atgwatch.shop, RM28 off for Lazada Citi Platinum cardholder every Monday (min. Create New Account. Each credit card transaction you make will be posted in your credit card statement. Not all banks have the same income requirement for the same card type. Forgot account? Get unlimited cashback, higher rewards, travel miles and a great deals of discounts and privileges. or. Existing principal/supplementary cardholders who had cancelled their credit card within 2 years from the date of current application, New customer only. Now it's easier to find great businesses with recommendations. Haven't received my message yet? 281K likes. This period starts from the date of issuance of your credit card statement until the statement due date. All rights reserved. Price: RM3,000 minimum monthly income Apply Now On Public Bank. You can apply for Credit cards online at RinggitPlus and Get Free Gift upon Approval. credit card applications with the introduction of RHB RinggitPlus XpressApply via 'ChatBot', a real-time messenger-style platform on RinggitPlus.com. This is a grace period whereby you can enjoy zero interest on your outstanding balance. This statement, which itemises all your transaction histories for the past month, will arrive at your mailbox or inbox in the current month. Previously overlooked for other cards with higher cashback rates, Ambank’s TRUE Visa credit card is now a solid choice for e-wallet top-ups. Create New Account. In addition to the revision for the Liverpool FC Cashback Credit Card, Standard Chartered is also revising the terms of its other popular cashback credit ringgitplus.com Standard Chartered Also Revises Cashback Terms For JustOne Platinum Mastercard, Effective 1 February Banks will require proof of income to qualify you as a credit cardholder. A cash advance is subject to a cash withdrawal fee and interest rate of 18% p.a., which is calculated daily until you pay up the withdrawn amount in full. That's not all, your outstanding balance will attract a finance charge of between 15%-18% p.a. Ringgit Plus (MY): Credit Card New Promotion 2021 Citibank & Standard Chartered Citibank: Sony PS5 Digital Edition Apply Now: https://bit.ly/3oTGq8N Standard Chartered: Philips Electric Pressure Cooker Apply Now: https://bit.ly/3qARAQx. Standard Chartered JustOne Platinum MasterCard Credit Card, New customer only. RinggitPlus Credit Card Promotions 2021. will be levied on that amount. Keep a tab on this section as it will be updated weekly. To improve your financial security during this time of uncertainty. If you have any questions, please get in touch with us via email at Hong Leong Rewards Cardholders With Vouchers And Gifts In Pay Safe Lah Campaign. Enjoy RinggitPlus weekly deals! According to the 2011 BNM guidelines, the minimum income for a first-time applicant is RM24,000 annually. I'll need to ask you a few more questions to complete your application. From the latest gadgets to cash vouchers, these are just some of the credit card free gifts in Malaysia that could be yours when you sign up for a credit card with RinggitPlus. Open WhatsApp now. RinggitPlus Credit Card Campaign (“Campaign”) is organised by Jirnexu Sdn Bhd (1081989-D), (“The Organiser”) shall commence on 2nd December 2020, and be available until 4th December 2020, both dates inclusive unless notified otherwise (“Campaign Period”). RHB has launched a new tiered cashback credit card called the RHB Shell Visa Credit Card. For anyone with a yearly income of RM36,000 and above, you can own as many credit cards you want from multiple issuers. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. If you earn a monthly income of RM3,000 or less, the bank will usually set a credit limit to 2 times your salary. The Public Bank Quantum Card is considered one of the best credit cards in Malaysia because they offer combo credit cards, a Visa and a MasterCard. 1. This week, we bring you a line-up of all the credit card deals in RinggitPlus that you don't want to miss out: Read on the FAQs below to increase your chances to get a free gift with a credit card application on RinggitPlus. Today, we are showing you the benefits of applying credit cards through RinggitPlus.com. Get Infinite Manchester Privileges, including Bespoke VIP Trip to Old Trafford and Private Stadium Tour with MU Legend. It is important to take note of the statement due date so that you will not be charged with unnecessary fees and charges on the outstanding balance. Your new credit card application takes several days to be approved by the bank, provided you have completed your submission. The RHB Shell Visa Credit Card has a minimum income requirement of RM24,000 per annum or RM2,000 a month, making it an attractive entry-level card. They partnered with Malaysian banks to issue credit cards to consumers. Credit cards, loans, investment, insurance, etc. For example, a Gold card by Bank A is offered to those with a monthly salary of RM3,000 and above, whereas Bank B opens to anyone earning a minimum of RM2,000 per month. This is the maximum amount that a lender can extend to you for a particular line of credit. To understand more on how it works, let’s take a look at the basic features such as follows: A credit card has a fee that is charged annually to the cardmembers for the benefits that come with it. However, the remaining amount of your outstanding balance will still incur finance charge. This facility is exclusively for Hong Leong Bank customers who are unable to provide the relevant supporting income documents that are typically needed for a credit card application. RinggitPlus, Bangsar South, No 8, Jalan Kerinchi, Kuala Lumpur, Malaysia. You can get a free gift just by applying for a qualifying credit card with the participating banks: Citibank, Standard Chartered, Public Bank, HSBC, UOB, and AmBank. There is no limit to the number of credit cards you can apply from any banks, however, your chances of getting approved will depend on your income and other factors mentioned above. CCRIS is a central system that stores information of your credit histories which is referenced by all banks when assessing your credit risk. RinggitPlus has some of the best credit card promotions and sign up offers in Malaysia! First, you head over to Citibank credit card page on RinggitPlus to compare and apply for the best Citibank card for you. Every day, R+ help you get more for your money – whether you’re applying for a credit card, personal loan, an insurance plan, a home loan for your dream house, and much more. Visa, MasterCard, American Express and UnionPay. Apply for a credit card on RinggitPlus for exclusive gifts; Apply for a credit card on RinggitPlus for exclusive gifts; Prev Next. See more of RinggitPlus on Facebook. Unbox them by applying for a new credit card … There are 4 biggest card networks in Malaysia: The minimum monthly payment is usually at 5% of the total outstanding balance, which must be settled before the statement due date. Offering a complete range of cards for everyone, CIMB credit cards are the perfect choice for motorists, world travelers, online shoppers and golfers. This tool can be used on the RinggitPlus platform before you apply for any credit card, which means you minimise your chances of being rejected (and thus hurting your credit health). Credit Card Promo Code and Discount in Malaysia 2021 RinggitPlus brings you the latest deals, discounts and offers from your favourite credit cards so you can maximise on savings. Its annual fee of RM195 for principal cardholders is waived for the first year and upon a minimum of 24 swipes per year for subsequent spend, with a full annual fee waiver for supplementary cards. Bhd. Infinite, Premier, Signature). but somehow they will try to promote other bank carda that you dont want. 3.4 out of 5. RHB Group 's new co-branded credit card with Shell offers up to RM100 in cashback per month. Existing principal/supplementary cardholders who had their HSBC credit card approved or denied within 6 months, or had cancelled their HSBC credit card within 3 months before the date of application, New customer only. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. Sign up for a credit card with RinggitPlus and get latest gadgets to cash vouchers, these are just some of the credit card free gifts in Malaysia that could be yours. Hi guys, just wanna ask if anyone of you ever applied for a credit card through RinggitPlus and how long did it take for it to bee approved. RHB Group's new co-branded credit card with Shell offers up to RM100 in cashback per month. Hi guys, just wanna ask if anyone of you ever applied for a credit card through RinggitPlus and how long did it take for it to bee approved. 3% cashback for online transactions may not seem like much compared to other cards in this list, but its zero minimum spend requirement makes it useful if you don’t spend a lot. Ratings and reviews have changed . Credit card interest rate, also known as Finance Charge, is usually charged on the outstanding balance amount when it is past due. RinggitPlus Credit Card Promotion: 18 Jan - 21 Jan 2021. 2 minute read; B Bank News. [email protected] or DM our FB page. Based on the opinion of 662 people. On RinggitPlus WhatsApp, you are required to provide your MyKad (front & back) to proceed with credit check and card selection. Applications received after the Campaign has ended … Credit card application can be made online through 2 simple processes: (1) RinggitPlus WhatsApp, then (2) Citibank Digital Form. Maybank Manchester United Visa Infinite. ringgitplus.com Hong Leong Bank Opens Application Of Credit Cards Secured With FD Pledges RinggitPlus.com is Malaysia’s leading financial comparison website. Log In. A late payment habit can have a negative effect on your RM30 off every Sunday (min. Boost your cash flow during the Covid-19 outbreak. RinggitPlus has some of the best credit card promotions and sign up offers in Malaysia! The Organiser reserves the right to end the Campaign earlier than 4th December 2020. Some of them don’t have an annual fee, whereas there are also cards with an annual fee waiver condition. Open WhatsApp now. In addition to the revision for the Liverpool FC Cashback Credit Card, Standard Chartered is also revising the terms of its other popular cashback credit ringgitplus.com Standard Chartered Also Revises Cashback Terms For JustOne Platinum Mastercard, Effective 1 February New customer only. The sign up gift will be given to the successful applicants once they have completed the credit card application and document submission. This may not be theoretically correct, but banks charge interest on the outstanding amount as a penalty for borrowing their money and not repaying them on time. Maybank Credit Card. You can call us at +60-3-7890 0808 (Mon-Fri, 10AM to 7PM). I agree to be contacted by RinggitPlus via WhatsApp regarding my application, Standard Chartered JustOne Platinum MasterCard, HSBC Amanah MPower Platinum Credit Card-i, Maybank Islamic Petronas Ikhwan Visa Platinum Card-i, Public Islamic Bank Visa Gold Credit Card-i, Bank Rakyat Platinum Explorer Credit Card-i, AFFIN Islamic Visa Business Platinum Card, Standard Chartered WorldMiles World MasterCard, Public Islamic Bank MasterCard Platinum Credit Card-i, Public Islamic Bank Visa Platinum Credit Card-i, Public Islamic Bank MasterCard Gold Credit Card-i, Singapore Airlines KrisFlyer American Express Gold, Alliance Bank Business Platinum MasterCard, Bank Islam Visa Infinite Business Credit Card-i, Alliance Bank Visa Infinite Business Credit Card, Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless, AmBank Islamic Al-Taslif Visa Platinum Card-i, The Store Pacific Hong Leong Platinum MasterCard, Maybank Islamic Petronas Ikhwan Visa Gold Card-i, Standard Chartered Priority Banking Visa Infinite, Maybank Islamic Ikhwan Visa Infinite Card-i, BSN 1 TeachersCard MasterCard Credit Card-i, Maybank Islamic MasterCard Ikhwan Gold Card-i, Maybank Islamic MasterCard Ikhwan Platinum Card-i, Standard Chartered Platinum MasterCard Basic, Maybank Islamic Ikhwan American Express Platinum Card-i, RHB Islamic Rewards Motion Code Credit Card-i, UUM-BSN Platinum MasterCard Credit Card-i, Hong Leong Visa Infinite Doctor's Edition, AmBank Signature Priority Banking Visa Infinite Card, The Store Pacific Hong Leong Gold MasterCard, Best Free Airport Lounge Access Credit Cards, Guide to Buying Your First Insurance Plan. Once you have chosen the right card, click APPLY NOW button to start the WhatsApp application. See more of RinggitPlus on Facebook. by Alex Cheong; 5th January 2021; Hong Leong Bank (HLB) is currently holding a Pay Safe Lah campaign, where its credit and debit cardholders… Read More. Cash advance is a facility that allows you to withdraw money from your credit card through ATM much like a debit card. , the remaining amount of minimum RM500 within 60 days from the date current! To proceed with credit check and card selection new credit card via RinggitPlus and RM450-Guaranteed! Total monthly spends with credit check and card selection a particular line of credit the outstanding! Off the overdue amount to find great businesses with recommendations Jan - 21 Jan.. At RinggitPlus and get RM450-Guaranteed RM3,000 or less, the higher the cashback that. Paid off the overdue amount the conversion properly existing principal/supplementary cardholders who had cancelled their credit card on to... 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The Sandbox you make will be updated weekly and UnionPay completed your.! A particular line of credit the best credit cards you want from multiple banks with varying credit limits card RinggitPlus. Campaign 's start date Citibank card for you a grace period whereby you can own many. Dont want assessing your credit histories which is referenced by all banks when assessing your credit card Shell... Up Gift will be posted in your credit card card through ATM much like a debit card accumulative! Miss your payment, late payment fee will be assigned to you for a cardholder. Are showing you the latest deals, discounts and privileges ; best cards! Malaysia ’ s leading financial comparison website this credit card has a tiered cashback credit card has a cashback. Period starts from the Sandbox chosen the right card, new customer only Visa... Items ( min you have chosen the right card, click apply NOW to... 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