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CompareHero.my is your go-to website for finding Credit Cards, Personal Loans or Broadband products in Malaysia. Our service is free, easy and completely unbiased. With our online comparison platform, you can find the most up-to-date information on personal finance products, best value internet plans and much, much more!

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Credit Card FAQs

Islamic credit cards follow the principle of deferred payments, which make them free from interest rates and penalties. This means you get to enjoy the perks of a regular credit card, including cashback rewards, earning points, and redeeming them for benefits. However, an Islamic credit card means you never have to shoulder any riba, or pay for compounding interest. Being an Islamic cardholder allows you to stay compliant to Islamic law while enjoying the finer things in life.
Conventional banks make a profit by charging interest rates and penalties on a credit card's unpaid balances. Since this is prohibited by Islamic principles, special Shariah credit cards use the concept of Tawarruq, which charges a profit rate instead of an interest rate. When charges are made on the card, the bank does the transaction and sells it back to you on credit. You can pay this over a certain period of time, similar to an ordinary credit card. Other credit cards have a fixed monthly fee, which is paid by the borrower if there are unpaid balances remaining at the end of the month. Regardless of whether the balance is RM1 or RM1,000, the entire fixed fee must be paid. This is a great option for those who are religious about paying the full balance every month.
Islamic credit cards can be enjoyed by both Muslims and non-Muslims. In fact, many non-Muslims now use these cards to take advantage of their unique features and fantastic deals.

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