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Credit Card Comparison
Whether you want to know how to apply for a credit card or you’re out shopping for the best credit cards in the country at the moment, FinCrew has got you covered! From personal loans to credit cards, we understand that it’s essential that you have access to money to sustain yourself. We’ve made ourselves the Number One stop for anyone in Malaysia looking to make managing their funds easy and stress-free. Using our credit cards comparison tool, you know what the cards offer you, but you can quickly review all the terms and conditions attached to them to see the most convenient one.
Why Use the FinCrew Credit Card Comparison Tool
There are several platforms where you can relatively easily compare credit cards in Malaysia. Knowing this, you may want to ask; why should I use the services of FinCrew to check out the best card issuers in Malaysia? Here are the top 4 reasons we’ll always make sense as your first point of call!
1. At FinCrew, we understand better than most just how important time and money are to you. For this reason, there’s no preamble with us! So when you compare credit cards with our tool, we give you all the results on a single page so you can quickly assess the features of each card.
2. With us, you don’t need to jump from one bank website to the other. Whether it’s the terms and conditions of one issuer or the other’s annual percentage rate (APR), you can always get all the details you need with us. So while it’s true that you’ve to check out a lot of things before you can settle for one given credit, you won’t have to experience any hassle when looking for this vital information; you’ll be able to see it all on our platform!
3. We help you make more of your credit cards. When you apply for credit cards, you’re most likely looking to fund your spending habits. However, because we know the hidden potential of these resources, we can help you use them to save money as well!
4. We give you access to some of the most rewarding credit cards and show you how to access even more amazing features like earning a reward and ways to get 0 intro APR. Now that you know what you stand to gain from leveraging our services, you may also want to know what types of cards we can help you compare on our platform. Our systems operate a pervasive and comprehensive algorithm network, so we’ve been able to compare credit cards of different kinds. Some variations of non-secured credit cards you can easily compare with us are;
The Cashback Credit Card
Like the name infers, Cash Bash credit cards help you earn rewards in cash when you leverage them. They operate a straightforward mechanism that helps them achieve this; You get a fixed percentage of that sum returned to you for every sum you spend on activities like streaming services, dining at restaurants, and ordering takeout or shopping! The refund is usually done on a quarterly or monthly basis, depending on the specifics of your card issuer.
The Rewards Credit Card
With these cards, you earn reward points for everything you spend. These allow you to spend while you chase ultimate rewards. Again, the specific details of this reward will differ from provider to provider. Some providers will give you two times the number of points when you shop with them, while others can offer five times the points for using their rewards credit cards!
The Petrol Credit Card
These cards are typically used to buy just one piece of merchandise; petrol. They help you tap into the benefits offered by partnered petrol companies. Some of these dividends range from rebates to cashback or even discounts.
The Air Mile Credit Card
Frequent fliers best leverage these cards to allow such individuals to earn significant discounts on airline trips. You get air mile points to convert into flight tickets when you use these cards.
The Premium Credit Card
These types of cards, like the name, infers, afford the owner access to a host of premium services. These services will often include everything from concierge services to exclusive dining at restaurants, including lodging accommodations. However, these cards aren’t as popular as many of the other entrants on this list. They’re considerably pricey, and a prospective applicant needs to meet some very steep income requirements.
The Specialty Credit Card
The cards in this category are more reserved for helping users get in-store points, bonuses, and discount features from specific anchor tenants.
What To Remember With Cards Credit
Even though there are indeed various types of credit cards, it pays to remember that, these days, most cards are a healthy mix of several card types. As such, it’s not necessary to get one specific card before you can enjoy its benefits, as these perks might’ve been combined with those of another card. For example, you could get a card that offers you cash back, rewards, and even in-store points. Because of this, we always encourage Malaysians to ensure that they take the time to carefully peruse all the features of a card so that they know whether what they’re getting is more suited to their tastes and lifestyle.
How To Apply For The Best Credit Cards In Malaysia
We’ve identified four simple steps you can follow to make sure that you get the best deal when you apply for a credit card.
Step One – Do Proper Research
The first thing you need to attend to down this road is determining what you want to use the credit card. Next, you need to highlight what essential features you want the said card to have; after this comes the process of searching. It is where using our tool to compare credit cards in Malaysia comes in! When you use a tool as detailed and extensive as ours to do your research, you’re less likely to leave any blind spots. You will go a long way to prevent future headaches. Once you input the required details into our search tool, it’ll present you with the best credit cards to suit your needs. Make sure you carefully go over the terms and conditions of each card and ensure that you meet any minimum requirements stated.
Step Two – Know Your Current Credit Score
It isn’t only when you’re applying for personal loans that you need to know your Credit Score. Your Credit Score is an essential variable that card issuers consider, so you have to ensure that your credit history and current credit score are good enough. You can follow this link to check your Credit Score now.
Step Three – Be Prepared to See Different Rates Than Are Found Online
While it is possible to get the same interest rates advertised online, keep in mind that there’s a possibility things won’t go that way in the end. The primary reason is that banks ultimately determine final rates based on the financial profile of each individual. Your speed might not even be what your spouse or sibling will get!
Step Four – Apply For the Credit Card
Once you find something you like on our platform, click the “Apply Now” button, fill out the form that comes afterward and wait to hear back from the card issuer! It’s simple and convenient! So, compare credit cards today and be financially free!