BSN AL-Aiman Credit Card

[Prunet]

FREQUENTLY ASKED QUESTIONS : BSN AL-AIMAN CREDIT CARD APPLICATION

1. What are the benefits of the Al-Aiman credit card? What makes it different from other credit cards in the market?

a) Special Benefits
• 1st Local Bank in Malaysia under DAFIA (Development Financial
Institution Act) to introduce Islamic Credit Card;
• Al-Aiman Credit Card is fully compliant with Shariah principles;
• Uses the Bai Inah concept (Sales and Purchase);
• Eliminates the elements of riba’ (interest / usury), gharar
(uncertainty), gambling and oppression.

b) Profit Charges
• Profit charges for Al-Aiman Credit Card is the lowest in the market, at only 1.25% per month or 15% p.a.;
• Unlike conventional credit cards, compounding profit charges are not imposed on Al-Aiman cardholders;
• With this, you Al-Aiman cardholders can enjoy better savings of 1.1% p.a.

c) Annual Fees
• 3 years annual fee waived for PruBSN staff and agents, subsequent years will depend on usage;
• 1 year annual fee waived for customers, subsequent years depend
on usage;
• Annual fee is RM60 for Classic Card, and RM125 for Gold Card;
• Among the cheapest annual fees offered by any credit card issuers in Malaysia;
• No joining fees.

d) Fixed Cash Advance
• RM50 fixed cash advance fee for each withdrawal;
• With this, Al-Aiman credit cardholders will have less amount payable regardless of the amount withdrawn;
• Al-Aiman credit cardholders can enjoy 24 hours cash withdrawal
service from over 500,000 ATMs all over the world.

e) Convenience payment via
• Auto debit from BSN’s Savings Account (Giro/Giro-i);
• Cheque to BSN Credit Card Centre;
• Cash/cheque payment at BSN Branches;
• Interbank Giro facilities through other Bank’s deposit account.

f) Worldwide acceptance
• Enjoy the convenience of using Al-Aiman credit card in over 180
countries worldwide;
• Credit cardholders can also enjoy retail transactions at any Visa and/or Mastercard merchants.


2. Are there any annual fees?
Please refer to Benefit schedule No.3.


3. What are the documents that I need to submit to apply for BSN Al-Aiman Credit Card?

a. For Applicant without existing credit card :
- Copy of I/C (both sides)
- Copy of latest 2 months salary slip

b. For Applicant holding other credit cards as principal cardholder for at least 1 year :
- Copy of I/C (both sides)
- Copy of Credit Card (both sides)

c. For self employed applicant :
- Copy of I/C (both sides)
- Copy of latest 3 months bank statement
- Copy of Business Registration Certificate


4. Is there any free gift upon approval of the application?
Yes. There will be a free gift for each successful applicant. Please refer to the flyer uploaded in Prupartner under Incentives.


5. What are the eligibility requirements?
a. Minimum age requirement: 21 years for Principal Card and 18 years for Supplementary Card;
b. Minimum annual income: RM18,000 for Classic Card and RM48,000 for Gold Card;
c. Card applicant must be Malaysian citizen.


APPLY NOW....

 

[beautifulmind]

aku apply..x dapat2..

slow gak la BSN nih...

cheerss!!!

 

[zinedine]

aku apply..x dapat2..

slow gak la BSN nih...

cheerss!!!

Boleh cuba mohon kad Bank Islam pulak. Tak pun kad At-Taslif AmBank. Setakat ni cuma ada 3 je kad kredit berlandaskan Islam (Guna kontrak agreement Bai' Al-Inah)-kad Bank Islam, Al-Aiman BSN, At-Taslif AmBank. Al-Rajhi x pasti la ada ke tak.

Biasa la bro, permohonan kad kredit Bai' Al-Inah ni memang susah nak dpt. Kawan aku mhn kad Bank Islam 3 kali masih tak dpt jugak. Aku cuba mhn sekali pun x dpt. Yg jadikannya susah sebab bank ambik untung kad ni sikit jer. Takde caj keuntungan berganda, takde interest itu interest ini mcm kad konvensional.

Itu yg jadi susah nak dpt kad tu. Lagi satu, kalau kita guna amount yg melebihi credit limit, bank akan kira itu sbg "Qardhul Hassan" atau pinjaman ehsan je. Maknanya kita cuma perlu bayar amount yg kita guna tanpa kena apa2 interset atau caj keuntungan. Kalau guna RM100 lbh had credit limit, kita cuma perlu bayar RM100 jer, tak perlu bayar interest/faedah. Jadi, bank tak boleh keluarkan kad macam ni sewenang-wenangnya. Dia pun kena fikir duit dia jugak.

 

[StanNero]

Boleh cuba mohon kad Bank Islam pulak. Tak pun kad At-Taslif AmBank. Setakat ni cuma ada 3 je kad kredit berlandaskan Islam (Guna kontrak agreement Bai' Al-Inah)-kad Bank Islam, Al-Aiman BSN, At-Taslif AmBank. Al-Rajhi x pasti la ada ke tak.

Biasa la bro, permohonan kad kredit Bai' Al-Inah ni memang susah nak dpt. Kawan aku mhn kad Bank Islam 3 kali masih tak dpt jugak. Aku cuba mhn sekali pun x dpt. Yg jadikannya susah sebab bank ambik untung kad ni sikit jer. Takde caj keuntungan berganda, takde interest itu interest ini mcm kad konvensional.

Itu yg jadi susah nak dpt kad tu. Lagi satu, kalau kita guna amount yg melebihi credit limit, bank akan kira itu sbg "Qardhul Hassan" atau pinjaman ehsan je. Maknanya kita cuma perlu bayar amount yg kita guna tanpa kena apa2 interset atau caj keuntungan. Kalau guna RM100 lbh had credit limit, kita cuma perlu bayar RM100 jer, tak perlu bayar interest/faedah. Jadi, bank tak boleh keluarkan kad macam ni sewenang-wenangnya. Dia pun kena fikir duit dia jugak.

ohh leh witdrwn lebih ke ? katakan limit 3 K.. nak witdrwn 4 K leh x ? lebih 1 K ? tanya je

 

[zinedine]

ohh leh witdrwn lebih ke ? katakan limit 3 K.. nak witdrwn 4 K leh x ? lebih 1 K ? tanya je

Boleh kalau kad kredit Bank Islam Malaysia Berhad (BIMB) la. Perbankan islam lain aku tak pasti. Mungkin boleh jugak kot. Kalau kad kredit tu dah sampai credit limit dia, tapi ko nak guna jugak dan perlu sebab kecemasan, Bank Islam akan tawarkan pinjaman tanpa faedah/tanpa interest/tanpa bunga/tanpa caj keuntungan yg dinamakan "Qardhul Hassan". Jadi, ko cuma perlu bayar pinjaman Qardhul Hassan yg ko guna jer. Cthnya kalau ko pinjam RM1000, ko cuma kena bayar RM1000 je la, takde kena apa2 interest dah.

Tapi semuanya bergantung kepada budi bicara pihak bank jugak ler. Takkan senang2 nak bagi pinjam guna duit orang ramai. Sebab tu nak lulus permohonan kad Bank Islam ni susah sebab dia ambik untung tak bnyk. Dia guna kontrak jual-beli Bai' Al-Inah. Ini ko kena tanya ustaz yg arif pasal muamalatlah kalau ko nak tau kontrak Bai' Al-Inah ni macamana

 

[StanNero]

Boleh kalau kad kredit Bank Islam Malaysia Berhad (BIMB) la. Perbankan islam lain aku tak pasti. Mungkin boleh jugak kot. Kalau kad kredit tu dah sampai credit limit dia, tapi ko nak guna jugak dan perlu sebab kecemasan, Bank Islam akan tawarkan pinjaman tanpa faedah/tanpa interest/tanpa bunga/tanpa caj keuntungan yg dinamakan "Qardhul Hassan". Jadi, ko cuma perlu bayar pinjaman Qardhul Hassan yg ko guna jer. Cthnya kalau ko pinjam RM1000, ko cuma kena bayar RM1000 je la, takde kena apa2 interest dah.

Tapi semuanya bergantung kepada budi bicara pihak bank jugak ler. Takkan senang2 nak bagi pinjam guna duit orang ramai. Sebab tu nak lulus permohonan kad Bank Islam ni susah sebab dia ambik untung tak bnyk. Dia guna kontrak jual-beli Bai' Al-Inah. Ini ko kena tanya ustaz yg arif pasal muamalatlah kalau ko nak tau kontrak Bai' Al-Inah ni macamana

heheh aa ramai jugak membe ako yg apply kad bank cara islam cam BSN ngan Bank islam nie xlepas..

alhamdullilah ako berjaya dapat walaupun agak lama juga prosesnya.. BSN Aiman

Kalau ako tau kelebihan kad mcm nie berbading konvesional.dah lama ako apply awai2

 

[zinedine]

heheh aa ramai jugak membe ako yg apply kad bank cara islam cam BSN ngan Bank islam nie xlepas..

alhamdullilah ako berjaya dapat walaupun agak lama juga prosesnya.. BSN Aiman

Kalau ako tau kelebihan kad mcm nie berbading konvesional.dah lama ako apply awai2

Boleh cuba satu cara lagi mana tau kot2 boleh lepas permohonan kad kredit islam member ko. Mana2 member ko yg ada kad kredit konvensional, suruh diorang buat permohonan 'balance transfer' dan tutup akaun dari akaun kad kredit konvensional kpd akaun kad kredit islam. Isi borang permohonan kad kredit islam balance transfer. Buat masa ni Bank Islam (BIMB) dah buat balance transfer ni BSN Perbankan Islam & AmBank Islamic tak tau la ada buat ke tak.

Memang ramai yg apply termasuk cina & india pun sama. Diorang kata kontrak kad kredit islam ni adil sebab kaedah dia atas dasar jual-beli. Ada takaful, ada khairat kematian, takde yuran tahunan. Kalau pemegang kad kredit islam ni mati, semua baki hutang dia dlm akaun dikira lupus dan ditamatkan.

Bagus ar bro ko guna kad kredit islam ni. Mengelakkan dari kontrak agreement & transaksi riba. Aku kalau perbankan islam kat malaysia ni susah sgt nak dpt kad kredit, aku mohon bank Al-Rajhi atau Kuwait Finance House jelah.

 

[im755]

kata kad ni ada link dgn prubsn. boleh terangkan tak? kalu boleh aku nak apply dua2. senang nak bayar insuran n boleh berbelanja sekali