{"id":1668,"date":"2012-09-15T19:04:18","date_gmt":"2012-09-15T11:04:18","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1668"},"modified":"2024-09-07T00:36:14","modified_gmt":"2024-09-06T16:36:14","slug":"jenis-jenis-kad-kredit-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/jenis-jenis-kad-kredit-di-malaysia-bm","title":{"rendered":"Jenis-Jenis Kad Kredit Di Malaysia"},"content":{"rendered":"

Di Malaysia, kad kredit boleh dipecahkan kepada enam kategori yang luas. Kad mana yang sesuai dengan anda adalah terpulang kepada berapa besar perbelanjaan anda serta sikap anda terhadap hutang.<\/p>\n

<\/span>Kad kredit pulangan tunai (cashback credit card<\/em>)<\/span><\/h2>\n

Konsep kad kredit bayaran semula mudah – untuk setiap ringgit yang dibelanjakan dengan kad kredit, anda akan dapat peratusan berbentuk tunai pada setiap hujung bulan atau suku tahun. Peratusan bayaran semula (atau rebat) berbeza dari satu kad ke kad yang lain, dan biasanya di antara 0.5% dan 3% (walaupun terdapat sesetengah kad yang menawarkan kadar rebat setinggi 20%).<\/p>\n

Patutkah anda dapatkan kad kredit pulangan tunai? <\/strong><\/p>\n

Kad kredit pulangan tunai biasanya mempunyai kadar faedah yang tinggi. Kebanyakan kad jenis ini mempunyai had maksimum kepada rebatnya. Tapi, jika anda seorang yang berbelanja besar dan sentiasa mampu bayar baki kad kredit anda secara penuh, kad jenis ini boleh bantu anda dapatkan wang semula di atas perbelanjaan anda.<\/p>\n

<\/span>Kad kredit ganjaran<\/span><\/h2>\n

Kad kredit ganjaran membolehkan anda memperolehi mata ganjaran apabila anda berbelanja. Ganjaran ini boleh digunakan untuk menebus pelbagai jenis barangan serta perkhidmatan. Kebiasaannya, anda akan memperolehi 1 mata ganjaran untuk setiap ringgit yang dibelanjakan dengan kad anda itu.<\/p>\n

Perlukah anda dapatkan kad kredit ganjaran?<\/strong><\/p>\n

Menggunakan kad kredit ganjaran mampu menjadi salah satu cara menjimat wang, kerana kebanyakan pengeluar kad kredit ganjaran tidak meletak had maksimum pada jumlah mata ganjaran yang anda boleh perolehi. Dengan mengguna kad kredit untuk perbelanjaan harian anda (dan item tiket besar seperti tiket kapal terbang) anda berpotensi kumpul banyak mata ganjaran tanpa perlu bersusah payah.<\/p>\n

<\/span>Kad kredit petrol<\/span><\/h2>\n

Kad kredit petrol direka khas buat mereka yang menghabiskan banyak masa di jalan raya. Kad ini biasanya datang berserta dengan faedah-faedah petrol termasuk rebat atau pulangan wang untuk minyak dan juga diskaun di stesen servis.<\/p>\n

Perlukah anda dapatkan kad kredit petrol?<\/strong><\/p>\n

Jika anda belanja sejumlah besar wang untuk petrol setiap bulan, ada kad kredit jenis ini mampu menjimatkan sejumlah besar wang anda dalam jangka masa panjang.<\/p>\n

<\/span>Kad kredit perjalanan<\/span><\/h2>\n

Kad kredit perjalanan merupakan kad yang bercirikan konsep \u201cpengutipan ganjaran\u201d di mana ia membolehkan anda mengumpul mata ganjaran ataupun air miles<\/em> apabila digunakan untuk pembelian. Sesetengah kad kredit perjalanan turut menawarkan diskaun untuk pakej perjalanan atau tiket kapal terbang.<\/p>\n

Patutkah anda dapatkan kad kredit perjalanan? <\/strong><\/p>\n

Jika anda sentiasa bermusafir, dan merupakan ahli program frequent flyer<\/em> atau program travel loyalty<\/em> (seperti Enrich, Krisflyer atau AirAsia), mempunyai kad kredit perjalanan adalah merupakan langkah bijak bagi mengumpul mata ganjaran kesetiaan.<\/p>\n

<\/span>Kad kredit premium<\/span><\/h2>\n

Kad kredit premium menawarkan kepada pemegangnya keistimewaan-keistimewaan premium seperti khidmat pekerja rencam, makan, golf, akses ke bilik istirehat dan banyak lagi. Kad jenis ini biasanya mengsyaratkan pendapatan minimum yang lebih tinggi (malahan sesetengahnya hanya bersifat \u201cdengan jemputan\u201d saja), namun kad jenis juga mempunyai had kredit yang lebih tinggi.<\/p>\n

Patutkah saya dapatkan kad kredit premium? <\/strong><\/p>\n

Mempunyai kad premium pastinya memberi banyak faedah dan keistimewaan premium, seperti diskaun di restoran lima bintang kegemaran anda. Walau bagaimanapun, ianya juga melibatkan kos yang amat tinggi. Kad premium kerap kenakan yuran tahunan sebanyak beratus-ratus ringgit, walaupun pengecualian yuran tahunan standard juga boleh didapati.<\/p>\n

<\/span>Kad kredit khusus<\/span><\/h2>\n

Kad kredit khusus (specialty credit card) dikategorikan sebagai kad \u201cyang merangkumi semua\u201d . Kad ini biasanya direka untuk segmen spesifik atau sasaran yang khusus. Sebagai contoh, sesetengah kad kredit khusus menawarkan diskaun eksklusif untuk tiket wayang, sementara yang lainnya menyediakan keistimewaan kesihatan perubatan yang amat bermutu.<\/p>\n

Patutkah anda dapatkan kad kredit khas?<\/strong><\/p>\n

Kad khas berkait rapat dengan golongan individu yang tertentu (peminat wayang gambar, wanita yang suka membeli-belah dan juga agen insuran). Jika anda dapati diri anda tergolong di dalam mana-mana kumpulan khas tersebut, mempunyai kad jenis ini mampu memberi banyak manfaat.<\/p>\n

Pesanan akhir<\/h3>\n

Terdapat lebih 200 jenis kad kredit di Malaysia, dan memilih satu yang memenuhi keperluan anda dengan sepenuhnya boleh jadi agak rumit. Jika anda sedang mencari kad kredit, pastikan anda lawati jadual perbandingan kad kredit<\/a> kami!<\/p>\n","protected":false},"excerpt":{"rendered":"

Di Malaysia, kad kredit boleh dipecahkan kepada enam kategori yang luas. Kad mana yang sesuai dengan anda adalah terpulang kepada berapa besar perbelanjaan anda serta sikap anda terhadap hutang. Kad kredit pulangan tunai (cashback credit card) Konsep kad kredit bayaran semula mudah – untuk setiap ringgit yang dibelanjakan dengan kad kredit, anda akan dapat peratusan… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2696,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nJenis-Jenis Kad Kredit Di Malaysia<\/title>\n<meta name=\"description\" content=\"Di Malaysia, kad kredit boleh dipecahkan kepada enam kategori yang luas. 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