• Best Low Interest Rate Credit Cards in Malaysia

    Credit Cards with low interest rates

    Credit cards offer a wealth of benefits to the cardholders. These benefits can range from the simple, and obvious, credit facility to something not as common as reward programs that let cardholders earn miles and discounts every time they shop. Some of these cards even go so far as to align themselves with a particular sector like travel or shopping and provide special offers and discounts on when the cards are used for these purposes. Of course these facilities come at a price and that price is generally paid in the form of an annual fee on the card and other charges on transactions but the main charge that worries people is the interest rate offered on the credit extended by the card. If interest rates on credit cards in Malaysia are something you like to see less of then here are some of the credit cards that offer the most attractive interest rates.

    Card Interest Rate Balance Transfer Plan Cashback Annual Fee
    AmBank TRUE VISA Credit Card 7.99% p.a. 4.99% p.a. 3% Free
    Maybankard 2 Gold Cards 8.88% p.a. 0% p.a. 5% Free
    Maybankard 2 Platinum Cards 8.88% p.a. 0% p.a. 5% Free
    Alliance Bank You:nique - Great Rates 9% p.a. 6% p.a. no Free *
    BSN 1 TeachersCard MasterCard 8.88% p.a. 0% p.a. no Free
    Affinbank Touch n Go MasterCard Classic 9.99% p.a. 2% p.a. 0.8% Free *
    Maybank American Express Gold 9% p.a. 0% p.a. no Free
    Affinbank Visa Classic 9.99% p.a. 2% p.a. 0.8% Free *
    Affinbank Visa Gold 9.99% p.a. 2% p.a. 0.8% Free *
    Affinbank MasterCard Classic 9.99% p.a. 2% p.a. 0.8% Free *
    Affinbank MasterCard Gold 9.99% p.a. 2% p.a. 0.8% Free *

    Maybankard 2 Gold Cards

    This is a credit card that is offered by Maybank2u and comes with an annual interest rate that ranges from 6% to 8.8%. It also offers a waiver of the annual fee. Its other offerings include a cashback offer of 5% on dining expenses. It also offers flexi payment plans that come with no interest and allow cardholders to pay back for purchases over a period of up to 24 months.

    Alliance Bank You:nique

    This card offered by Alliance Bank which comes with an interest rate of 9% per annum and an interest free period extending up to 20 days. It also offers cardholders balance transfer facilities along with unlimited number of cash rebates of up to 3%. The coolest feature of this card is that cardholders can actually customise the design of their cards.

    Maybankard 2 Platinum Cards

    This too is a card that is offer by Maybank2u and comes with some very interesting features. The first of these is that it has an annual interest rate of just 8.8% on the outstanding balance. It also offers 20 days of interest free periods and 5% as cashback when the card is used for shopping.

    AmBank TRUE VISA Credit Card

    The True Visa Credit Card from AmBank is a card that offers cardholders an annual interest rate of just 7.99% with a 20 day interest free period. It also offers 3% cashback on purchases with no annual fee. Another offering from this card is the flexi payment scheme where big purchases can be paid back in easy to pay instalments.

    BSN 1 TeachersCard MasterCard

    This credit card offered by Bank Simpanan Nasional or BSN, is a card that comes with an annual interest rate of just 8.88% per annum. It also does not charge any interest on its balance transfer facility and is also offered for free because there is no annual fee associated with it.

    UUM-BSN Platinum MasterCard Credit Card-i

    The Platinum MasterCard offered by comes with 20 days of interest free periods and an annual interest rate of 9.95% per annum. It also offers flex pay facilities that allow cardholders to pay back big purchases in monthly instalments and 0% interest on the balance transfer facilities.

    Affinbank Touch n Go MasterCard Classic

    This credit card comes with an annual interest rate of 9.99% per annum and an interest free period of 20 days. It also offers up to 0.8% of expenses as cash back and an interest rate of just 2% per annum for balance transfers. It also offers the flexi pay facility, allowing cardholders to convert purchases into monthly payments.

    Maybank American Express Gold

    Not only is this card free of an annual fee it also offers an interest rate of just 9% per annum on the outstanding balance. It also comes with an interest free period of 20 days and a 0% interest rate on balance transfers done to this card. It also sports an attractive rewards program and flexi pay options.

    Affinbank Visa Classic

    This is a credit card that has an annual interest rate of 9.99% on the outstanding balance. It too offers a cashback offer of 0.8% and 20 days as interest free periods. Even the interest rate for balance transfers is pegged at just 2% per annum.

    Affinbank Visa Gold

    The Visa Gold card from Affinbank is similar to the Visa Classic card because it too comes with an annual interest rate of 9.99% and 20 days of interest free periods. It also offers 0.8% of expenses as cash back and offers flexi payment facilities along with balance transfer facilities.

    UUM-BSN Gold MasterCard Credit Card-i

    This is an Islamic credit card therefore it has no interest rates charged on the outstanding balances. It does have a management fee associated with it and that is set to 9.95% per annum. It does not charge any annual fee for the card and offers reward programs and felxi pay options.

    Affinbank MasterCard Classic

    Like some of the other cards offered by this bank, this card too comes with an annual interest rate of 9.99% and 20 days of an interest free period. It also offers 0.8% as cash back when the card is used to pay for things. It also allows for big purchases to be paid for via the flexi pay facility.

    Affinbank MasterCard Gold

    This card offers cardholders an interest free period of 20 days with an annual interest rate on the outstanding balance of 9.99%. It also offers balance transfer facilities at just 2% per annum and 20 days of an interest free period.

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