Maximum limit provided to cardholder

5% of monthly outstanding balance

One time payment. Fee varies between card issuers or waived.

Maximum 18% per annum on outstanding balance

Normally between RM60 to RM90 for classic card

Maximum 1% per month on outstanding balance or RM5 whichever is higher

3% to 5% of total cash advance, in addition to finance charges

Spending limit is not made known to the cardholder unless requested. However, transactions that exceed the spending limit may be allowed depending on certain conditions.

No minimum payment. Outstanding balance must be settled in full by due date.

One time payment. Fee varies between card issuers or waived.

Not applicable as outstanding balance must be settled in full

Normally between RM80 to RM160 for classic card

Normally 3.0% to 3.5% per month (36% to 42% per annum) on outstanding balance or fixed minimum amount whichever is higher. For Islamic charge cards, a fixed fee is normally charged up to RM70 per month.

Normally 3% to 4% depending on card issuer. Some card issuers do not provide cash advance facility. For Islamic charge cards, a fixed fee is normally charged up to RM15.