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Credit Card.To Have Or Not To Have.
If I want to own a credit card, I will choose a card that have:
- No Joining Fee at ALL
- No Annual Fee at ALL
- Zero Interest Rate
- No Compounding Element
- No Minimum Transaction for Every Month
- No fee charge if no minimum transaction carried
- No Contract
But too bad, this type of card does not exist. The nearest credit card that has these features that I can found on the Internet is Bank Islam Card-I (Gold and Classic)
Brand: MasterCard & Visa
Contract: Bai-Inah*
Contract Period: 3 years
Joining Fee: No joining fee
Profit Rate 1.5% per month or 18% per annual
Services of Bank Islam Gold & Classic Card
- Retail purchases
- Cash withdrawal facilities at Bank Islam ATMs
- Easy payment accessibility and cash withdrawals at any Bank Islam branches and ATMs
- Balance transfer
- Emergency cash withdrawal overseas
- 24 hours Customer Service
Features of Bank Islam Gold & Classic Card
- Based on the Shariah contract that is free from ‘Riba’ and ‘Gharar’
- Tenure of contract is 3 years (what happen to me if I terminated the card within the contract term ?)
- Profit margin is fixed for the whole tenure
- Accept transactions from “HALAL” merchant only
- Financing limit offered is at par with that offered by other card issuers
- Worldwide recognition
- Latest SMART Chip Technology
Privileges of Bank Islam Gold & Classic Card
- Annual Fee waiver for the whole contract, subject to terms & conditions: -
- Active account means at least one (1) retail transaction, cash or balance transfer per month (should be no problem,maybe I can swipe the card at the petrol station once every month)
- No default in repayment
- No compounding elements
- Competitive cash withdrawal fee. A withdrawal fee of RM 12 for every RM1,000 or part thereof. Cardholders can also perform cash withdrawal up to 50% of financing limit
- Complimentary Group Family Takaful coverage (up to RM 50,000) and funeral expenses of RM1, 000 for principal cardholders for the whole period of contract.
- Zakat payments acceptance
- Discounts on Mail Order Telephone Order Program and Easy Payment Schemes
*Bai Inah comprises of two agreements (aqad). In the first agreement, the bank sells a piece of land to the customer at an agreed price. While in the second agreement, the Bank re-purchases the land from the customer at a lower price. The difference in the price is therefore the Bank’s maximum profit, which is determined in advance, unlike the conventional credit card whereby the interest charged is undetermined and it may further increase.
p/s:I always go for a debit card but sometime when you’re doing internet transaction,the merchant only accept credit card only.
pss:I think Tune Money Card is lousy and rarely RARELY will use a credit card.That’s why i don’t want any annual and joining fees included plus I pay fully within the grace period.My Visa Debit is still not supported to carry internet transaction and remember use the credit card as payment method not as a loan.You should be safe 
Chelsea 0 – Everton 0
Chelsea only managed to draw with Everton last night, that means the top of the league still be The Reds with 39 points with one point advance of Chelsea. Poor John Terry was sent out of the field after received a red card from the referee after a harsh tackle on Leon Osman.
Liverpool 18 39
Chelsea 18 38
Aston Villa 18 34
Man U 16+2 32+6
Arsenal 18 31
I hope after the 19th games,the table shouldn’t be like this:
Liverpool 19 42
Chelsea 19 41
Man U 19 41
Aston Villa 19 34
Arsenal 19 34
but this should be OK:
Liverpool 19 40
Chelsea 19 39
Man U 19 39
Aston Villa 19 34
Arsenal 19 34
