{"id":50022,"date":"2023-09-27T12:20:20","date_gmt":"2023-09-27T04:20:20","guid":{"rendered":"https:\/\/valueinmind.co\/?p=50022"},"modified":"2023-11-03T15:59:18","modified_gmt":"2023-11-03T07:59:18","slug":"malaysia-top-5-no-annual-fee-credit-cards","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/malaysia-top-5-no-annual-fee-credit-cards\/","title":{"rendered":"\u9a6c\u6765\u897f\u4e9a\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u63a8\u8350\uff1a 5 \u5f20 no annual fee credit card"},"content":{"rendered":"\n<p>\u5bf9\u4e8e\u51c6\u5907\u4e70\u623f\u3001\u4e70\u8f66\uff0c\u60f3\u8981\u7533\u8bf7\u8d37\u6b3e\u7684\u4eba\u7fa4\u6765\u8bf4\uff0c\u5927\u5bb6\u5e94\u8be5\u77e5\u9053\u5982\u679c\u6211\u4eec\u7684\u4fe1\u7528\u8bb0\u5f55\u4e00\u7247\u7a7a\u767d\uff0c\u662f\u5f88\u96be\u4ece\u94f6\u884c\u501f\u5230\u94b1\u7684\u3002<\/p>\n\n\n\n<p>\u800c\u63d0\u9ad8\u4fe1\u7528\u8bb0\u5f55\u8bc4\u5206\u6700\u7b80\u5355\u7684\u65b9\u6cd5\u5c31\u662f\u7533\u8bf7\u81f3\u5c11\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u5e76\u6309\u65f6\u507f\u8fd8\u5361\u503a\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u5982\u679c\u6211\u4eec\u4e0d\u662f\u7ecf\u5e38\u4f1a\u5927\u989d\u6d88\u8d39\u7684\u4eba\uff0c\u7533\u8bf7\u4fe1\u7528\u5361\u8981\u8fd8\u51e0\u767e\u7684\u5e74\u8d39\uff08Annual Fee\uff09\u611f\u89c9\u6bd4\u8f83\u6d6a\u8d39\u94b1\uff0c\u6027\u4ef7\u6bd4\u8f83\u4f4e\u3002<\/p>\n\n\n\n<p><strong>\u56e0\u6b64\uff0c\u4ef7\u503c\u601d\u7ef4\u56e2\u961f\u5c31\u4e3a\u5927\u5bb6\u6574\u7406\u4e86 5\u5f20 CP \u4ef7\u6700\u9ad8\u7684\u514d\u5e74\u8d39\u4fe1\u7528\u5361\uff08No \/ Zero Annual Fee Credit Card\uff09\u3002\u4ec0\u4e48\u662f\u514d\u5e74\u8d39\u4fe1\u7528\u5361\uff1f\u548c\u666e\u901a\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\u6709\u4ec0\u4e48\u597d\u5904\u548c\u574f\u5904\uff1f\u8fd9\u7bc7\u6587\u7ae0\u8bb2\u4e3a\u4f60\u4e00\u4e00\u89e3\u6790\u3002<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u5f55<\/h2><nav><ul><li class=\"\"><a href=\"#no-annual-fee-credit-card-\u662f\u4ec0\u4e48\uff1f\u548c\u666e\u901a\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\">No Annual Fee Credit Card \u662f\u4ec0\u4e48\uff1f\u548c\u666e\u901a\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u597d\u5904\">\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u597d\u5904<\/a><ul><li class=\"\"><a href=\"#\u7701\u94b1\uff0c\u964d\u4f4e\u8d22\u52a1\u538b\u529b\">\u7701\u94b1\uff0c\u964d\u4f4e\u8d22\u52a1\u538b\u529b<\/a><\/li><li class=\"\"><a href=\"#\u4f9d\u7136\u4eab\u6709\u9644\u52a0\u4f18\u60e0-\u798f\u5229\">\u4f9d\u7136\u4eab\u6709\u9644\u52a0\u4f18\u60e0\/\u798f\u5229<\/a><\/li><li class=\"\"><a href=\"#\u589e\u5f3a\u4fe1\u7528\u8bb0\u5f55\">\u589e\u5f3a\u4fe1\u7528\u8bb0\u5f55<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u574f\u5904\">\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u574f\u5904<\/a><ul><li class=\"\"><a href=\"#\u4e00\u4e9b\u4fe1\u7528\u5361\u9700\u8981\u6ee1\u8db3\u6761\u4ef6\u624d\u80fd\u514d\u5e74\u8d39\">\u4e00\u4e9b\u4fe1\u7528\u5361\u9700\u8981\u6ee1\u8db3\u6761\u4ef6\u624d\u80fd\u514d\u5e74\u8d39<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u514d\u5e74\u8d39\u4fe1\u7528\u5361-no-annual-fee-credit-card-\u9002\u5408\u8c01\uff1f\">\u514d\u5e74\u8d39\u4fe1\u7528\u5361 No Annual Fee Credit Card \u9002\u5408\u8c01\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u9002\u5408\u5c0f\u8d44\u65cf\u7684top-5-\u514d\u5e74\u8d39\u4fe1\u7528\u5361-no-annual-fee-credit-card\">\u9002\u5408\u5c0f\u8d44\u65cf\u7684TOP 5 \u514d\u5e74\u8d39\u4fe1\u7528\u5361 No Annual Fee Credit Card<\/a><ul><li class=\"\"><a href=\"#1-ambank-cash-rebate-visa-platinum\">1. Ambank Cash Rebate Visa Platinum<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u73b0\u91d1\u56de\u6263\uff08-cash-rebate\uff09\">\u73b0\u91d1\u56de\u6263\uff08Cash Rebate\uff09<\/a><\/li><li class=\"\"><a href=\"#\u65c5\u6e38\u4fdd\u9669\">\u65c5\u6e38\u4fdd\u9669<\/a><\/li><li class=\"\"><a href=\"#\u5206\u671f\u4ed8\u6b3e\uff08-easy-payment-plan\uff09\">\u5206\u671f\u4ed8\u6b3e\uff08Easy Payment Plan\uff09<\/a><\/li><li class=\"\"><a href=\"#\u5148\u4e70\u540e\u4ed8-\uff08-buy-now-pay-later\uff09\">\u5148\u4e70\u540e\u4ed8 \uff08Buy Now, Pay Later\uff09<\/a><\/li><li class=\"\"><a href=\"#\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\u670d\u52a1\uff08-excess-limit-service\uff09\">\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\u670d\u52a1\uff08Excess Limit Service\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#2-maybank-2-gold-cards\">2. Maybank 2 Gold Cards<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-1\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#maybank-2-gold-american-express-amex-card\">Maybank 2 Gold American Express (AMEX) Card<\/a><\/li><li class=\"\"><a href=\"#\u79ef\u5206\u5956\u52b1\uff08-treatpoints\uff09\uff1a\">\u79ef\u5206\u5956\u52b1\uff08Treatpoints\uff09\uff1a<\/a><\/li><li class=\"\"><a href=\"#\u8fd4\u73b0\uff08-cashbacks\uff09\uff1a\">\u8fd4\u73b0\uff08Cashbacks\uff09\uff1a<\/a><\/li><li class=\"\"><a href=\"#maybank-2-gold-mastercard-visa-card\">Maybank 2 Gold Mastercard \/ Visa Card<\/a><\/li><li class=\"\"><a href=\"#\u79ef\u5206\u5956\u52b1\uff08-treatpoints\uff09\uff1a-2\">\u79ef\u5206\u5956\u52b1\uff08Treatpoints\uff09\uff1a<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u9650\u65f6\u4f18\u60e0\">\u9650\u65f6\u4f18\u60e0<\/a><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-3\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u6ce8\u610f\u4e8b\u9879\">\u6ce8\u610f\u4e8b\u9879<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-4\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#3-public-bank-quantum-credit-card\">3.Public Bank Quantum Credit Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-5\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u73b0\u91d1\u8fd4\u8fd8\uff08-cashback\uff09\">\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<\/a><\/li><li class=\"\"><a href=\"#\u79ef\u5206\u5956\u52b1\uff08vip-points\uff09\">\u79ef\u5206\u5956\u52b1\uff08VIP Points\uff09<\/a><\/li><li class=\"\"><a href=\"#\u5206\u671f\u4ed8\u6b3e\uff08-flexi-payment-plan\uff09\">\u5206\u671f\u4ed8\u6b3e\uff08Flexi-Payment Plan\uff09<\/a><\/li><li class=\"\"><a href=\"#\u7f51\u8d2d\u4fdd\u62a4\uff08e-commerce-purchase-protection\uff09\">\u7f51\u8d2d\u4fdd\u62a4\uff08e-Commerce Purchase Protection\uff09<\/a><\/li><li class=\"\"><a href=\"#\u9057\u5631\u4f18\u60e0-\uff08-will-and-wasiat-writing-service\uff09\">\u9057\u5631\u4f18\u60e0 \uff08Will and Wasiat Writing Service\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u9650\u65f6\u4f18\u60e0-6\">\u9650\u65f6\u4f18\u60e0<\/a><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-7\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-8\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#4-uob-simple-card\">4.UOB Simple Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-9\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u73b0\u91d1\u8fd4\u8fd8\uff08-cashback\uff09-10\">\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<\/a><\/li><li class=\"\"><a href=\"#\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff08-late-payment-charges\uff09\">\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff08Late Payment Charges\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-11\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-12\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#5-cimb-cash-rebate-platinum-credit-card\">5.CIMB Cash Rebate Platinum Credit Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-13\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09\">\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/a><\/li><li class=\"\"><a href=\"#\u65c5\u884c\u4fdd\u9669\uff08-travel-insurance\uff09\">\u65c5\u884c\u4fdd\u9669\uff08Travel Insurance\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-14\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-15\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\">\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u603b\u7ed3\">\u603b\u7ed3\u00a0<\/a><\/li><li class=\"\"><a href=\"#\u5ef6\u4f38\u9605\u8bfb\">\u5ef6\u4f38\u9605\u8bfb<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d23\u58f0\u660e\">\u514d\u8d23\u58f0\u660e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"no-annual-fee-credit-card-\u662f\u4ec0\u4e48\uff1f\u548c\u666e\u901a\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\"><strong>No Annual Fee Credit Card \u662f\u4ec0\u4e48\uff1f\u548c\u666e\u901a\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4fe1\u7528\u5361\u662f\u4e00\u79cd\u4fbf\u6377\u7684\u6d88\u8d39\u5de5\u5177\uff0c\u540c\u65f6\u8fd8\u80fd\u7ed9\u6211\u4eec\u5e26\u6765\u8bf8\u591a\u7684\u798f\u5229\uff0c\u6bd4\u5982\uff1a\u6ee1\u8db3\u6d88\u8d39\u9700\u6c42\u540e\uff0c\u80fd\u83b7\u5f97\u4e00\u5b9a\u7684\u79ef\u5206\u5956\u52b1\u3001\u73b0\u91d1\u8fd4\u8fd8\uff08\u8fd4\u73b0\uff09\u3001\u91cc\u7a0b\u7b49\uff0c\u4e00\u4e9b\u4fe1\u7528\u5361\u751a\u81f3\u4e3a\u6211\u4eec\u63d0\u4f9b\u514d\u8d39\u7684\u65c5\u884c\u4fdd\u9669\u3001\u673a\u573a\u4f11\u606f\u5ba4\u4f7f\u7528\u6743\u7b49\u7b49\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u60f3\u8981\u4eab\u53d7\u8fd9\u4e9b\u798f\u5229\u7684\u4fe1\u7528\u5361\u901a\u5e38\u90fd\u662f\u8981\u7f34\u7eb3\u5927\u7ea6 RM 50 &#8211; RM 1,000 \u7684\u5e74\u8d39\uff08Annual Fee\uff09\u4f5c\u4e3a\u94f6\u884c\u63d0\u4f9b\u8fd9\u4e9b\u798f\u5229\u7684\u4e00\u4e2a\u7ba1\u7406\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u5047\u5982\u4f60\u7684\u6d88\u8d39\u989d\u5ea6\u6ca1\u6709\u8fbe\u5230\u89e3\u9501\u798f\u5229\u7684\u95e8\u69db\uff0c\u90a3\u4e48\u4f60\u4e0d\u4f46\u548c\u8fd9\u4e9b\u798f\u5229\u65e0\u7f18\uff0c\u53cd\u800c\u8fd8\u8981\u989d\u5916\u82b1\u8d39\u6765\u652f\u4ed8\u5e74\u8d39\uff0c\u5bfc\u81f4\u5f00\u652f\u589e\u52a0\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5047\u8bbe\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u5b83\u53ef\u4ee5\u8ba9\u4f60\u83b7\u5f973%\u7684\u73b0\u91d1\u8fd4\u8fd8\uff0c\u4f46\u5e74\u8d39\u662f RM 1000\u3002\u8fd9\u610f\u5473\u7740\u4e3a\u4e86\u62b5\u6d88\u5e74\u8d39\uff0c\u4f60\u9700\u8981\u6d88\u8d39\u66f4\u591a\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u662f\u4e0d\u662f\u7ecf\u5e38\u4f1a\u6d88\u8d39\u7684\u4eba\uff0c\u6709<strong>\u4e24\u79cd\u65b9\u6cd5<\/strong>\u53ef\u4ee5\u514d\u9664\u4fe1\u7528\u5361\u7684\u5e74\u8d39\uff1a<\/p>\n\n\n\n<p>1.\u8054\u7cfb\u94f6\u884c\uff0c\u548c\u94f6\u884c\u6c9f\u901a\u5546\u91cf\u662f\u5426\u80fd\u514d\u9664\u4f60\u6301\u6709\u7684\u4fe1\u7528\u5361\u7684\u5e74\u8d39\u3002\u8fd9\u8fb9\u5efa\u8bae\u4f60\u5728\u63d0\u51fa\u8981\u6c42\u524d\uff0c\u96c6\u4e2d\u4f7f\u7528\u8be5\u5361\u6d88\u8d39\uff0c\u4e0d\u8981\u6df7\u5408\u5176\u4ed6\u4fe1\u7528\u5361\u4f7f\u7528\uff0c\u4ee5\u63d0\u9ad8\u514d\u9664\u5e74\u8d39\u7684\u53ef\u80fd\u6027\u3002\u4f46\u662f\uff0c\u94f6\u884c\u4ecd\u7136\u6709\u62d2\u7edd\u7684\u6743\u5229\uff0c\u6240\u4ee5\u6210\u529f\u673a\u7387\u6bd4\u8f83\u4f4e\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\">2.\u76f4\u63a5\u7533\u8bf7\u4e00\u5f20\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\u3002\u8fd9\u662f\u6700\u5feb\u6377\u65b9\u4fbf\u7684\u65b9\u6cd5\uff0c\u4e0d\u7528\u82b1\u65f6\u95f4\u548c\u94f6\u884c\u515c\u5708\u5b50\u626f\u76ae\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u5206\u62102\u79cd\u7c7b\u578b\uff0c\u4e00\u79cd\u662f\u53ea\u8c41\u514d\u7b2c\u4e00\u5e74\u7684\u5e74\u8d39\uff0c\u4e4b\u540e\u5982\u679c\u4f60\u7ee7\u7eed\u6301\u6709\u8be5\u5361\u5c31\u5fc5\u987b\u507f\u8fd8\u5e74\u8d39\uff1b\u8fd8\u6709\u4e00\u79cd\u5219\u662f\u7ec8\u751f\u514d\u5e74\u8d39\u3002<\/p>\n\n\n\n<p>\u5f53\u7136\uff0c\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\u8fd8\u662f\u548c\u666e\u901a\u4fe1\u7528\u5361\u4e00\u6837\u80fd\u591f\u7528\u4e8e\u65e5\u5e38\u6d88\u8d39\uff0c\u529f\u80fd\u4e0a\u6ca1\u6709\u592a\u5927\u5dee\u5f02\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u597d\u5904\"><strong>\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u597d\u5904<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7701\u94b1\uff0c\u964d\u4f4e\u8d22\u52a1\u538b\u529b\" style=\"color:#009bff\"><strong>\u7701\u94b1\uff0c\u964d\u4f4e\u8d22\u52a1\u538b\u529b<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u4e0d\u60f3\u627f\u62c5\u989d\u5916\u8d22\u52a1\u8d1f\u62c5\u7684\u4eba\u6765\u8bf4\uff0c\u514d\u53bb\u4e86\u5e74\u5ea6\u4fe1\u7528\u5361\u8d39\u7528\uff0c\u53ef\u4ee5\u8ba9\u6301\u5361\u4eba\u8282\u7701\u4e00\u7b14\u56fa\u5b9a\u7684\u5f00\u652f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4f9d\u7136\u4eab\u6709\u9644\u52a0\u4f18\u60e0-\u798f\u5229\" style=\"color:#009bff\"><strong>\u4f9d\u7136\u4eab\u6709\u9644\u52a0\u4f18\u60e0\/\u798f\u5229<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u867d\u7136\u6ca1\u6709\u5e74\u8d39\uff0c\u4f46\u8bb8\u591a\u514d\u8d39\u4fe1\u7528\u5361\u4f9d\u7136\u63d0\u4f9b\u5404\u79cd\u798f\u5229\uff0c\u5982\u73b0\u91d1\u8fd4\u8fd8\u3001\u79ef\u5206\u5151\u6362\u3001\u91cc\u7a0b\u5956\u52b1\u7b49\uff0c\u50cf\u6211\u4eec\u4e0b\u9762\u5206\u4eab\u76845\u5f20\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u90fd\u6709\u63d0\u4f9b\u8fd9\u4e9b\u4f18\u60e0\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u589e\u5f3a\u4fe1\u7528\u8bb0\u5f55\" style=\"color:#009bff\"><strong>\u589e\u5f3a\u4fe1\u7528\u8bb0\u5f55<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u901a\u8fc7\u4f7f\u7528\u4fe1\u7528\u5361\u5e76\u6309\u65f6\u652f\u4ed8\u8d26\u5355\uff0c\u53ef\u4ee5\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u4e3a\u5c06\u6765\u63d0\u9ad8\u8d37\u6b3e\u6279\u51c6\u673a\u7387\u505a\u597d\u51c6\u5907\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u574f\u5904\"><strong>\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u574f\u5904<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4e00\u4e9b\u4fe1\u7528\u5361\u9700\u8981\u6ee1\u8db3\u6761\u4ef6\u624d\u80fd\u514d\u5e74\u8d39\" style=\"color:#009bff\"><strong>\u4e00\u4e9b\u4fe1\u7528\u5361\u9700\u8981\u6ee1\u8db3\u6761\u4ef6\u624d\u80fd\u514d\u5e74\u8d39<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u4e9b\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u53ef\u80fd\u4f1a\u9644\u5e26\u4e00\u4e9b\u6761\u4ef6\uff0c\u7279\u522b\u662f\u53ea<strong>\u514d\u9664\u7b2c\u4e00\u5e74\u5e74\u8d39<\/strong>\u7684\u4fe1\u7528\u5361\uff0c\u9700\u5728\u4e00\u5b9a\u671f\u9650\u5185\u6d88\u8d39\u4e00\u5b9a\u91d1\u989d\u624d\u80fd\u514d\u9664\u5e74\u8d39\u3002\u6bd4\u5982\uff1a<a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/rewards-points\/sutera-platinum-card.html\" target=\"_blank\" rel=\"noreferrer noopener\">Hong Leong Sutera Platinum Card<\/a> \u7b2c\u4e00\u5e74\u7684\u5e74\u8d39\u662f\u88ab\u8c41\u514d\u7684\uff0c\u5982\u679c\u4f60\u60f3\u5728\u4e0b\u4e00\u5e74\u7ee7\u7eed\u514d\u9664\u514d\u8d39\uff0c\u90a3\u4e48\u4f60\u9700\u8981\u5728\u4e00\u5e74\u5185\u4f7f\u7528\u8be5\u4fe1\u7528\u5361\u6d88\u8d39\u81f3\u5c11 RM 15,000\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u5982\u679c\u4f60\u9009\u62e9\u7684\u662f<strong>\u7ec8\u751f\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u5c31\u4e0d\u4f1a\u6709\u88ab\u5f3a\u5236\u6d88\u8d39\u7684\u70e6\u607c<\/strong>\uff0c\u6240\u4ee5\u672c\u6587\u6240\u63a8\u8350\u7684\u4fe1\u7528\u5361\u90fd\u662f\u7ec8\u751f\u514d\u5e74\u8d39\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u5e74\u8d39\u4fe1\u7528\u5361-no-annual-fee-credit-card-\u9002\u5408\u8c01\uff1f\"><strong>\u514d\u5e74\u8d39\u4fe1\u7528\u5361 No Annual Fee Credit Card \u9002\u5408\u8c01\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li>\u6c92\u6709\u6216\u53ea\u662f\u5076\u5c14\u5927\u989d\u5ea6\u6d88\u8d39\u7684\u4eba\u7fa4\uff0c\u4e0d\u9700\u8981\u4e3a\u4e86\u63d0\u9ad8\u4fe1\u7528\u8bb0\u5f55\u800c\u7533\u8bf7\u9ad8\u6602\u5e74\u8d39\u7684\u4fe1\u7528\u5361<\/li>\n\n\n\n<li>\u7b2c\u4e00\u6b21\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u4eba\uff0c\u53ef\u4ee5\u501f\u7531\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u719f\u6089\u4fe1\u7528\u5361\u7684\u4f7f\u7528\uff0c\u7ba1\u7406\u5e10\u5355\uff0c\u4e3a\u9996\u6b21\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u6211\u4eec\u63d0\u4f9b\u4f4e\u98ce\u9669\u7684\u5b66\u4e60\u673a\u4f1a<\/li>\n\n\n\n<li>\u5c0f\u8d44\u4eba\u7fa4\uff0c\u56e0\u4e3a\u80fd\u7701\u5219\u7701\uff0c\u964d\u4f4e\u7ecf\u6d4e\u538b\u529b\uff0c\u8fd8\u80fd\u4eab\u53d7\u8bf8\u591a\u4f18\u60e0\u798f\u5229<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9002\u5408\u5c0f\u8d44\u65cf\u7684top-5-\u514d\u5e74\u8d39\u4fe1\u7528\u5361-no-annual-fee-credit-card\"><strong>\u9002\u5408\u5c0f\u8d44\u65cf\u7684TOP 5 \u514d\u5e74\u8d39\u4fe1\u7528\u5361 No Annual Fee Credit Card<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4ef7\u503c\u601d\u7ef4\u5c31\u5e2e\u5927\u5bb6\u7b5b\u9009\u4e865\u5f20\u9002\u6708\u85aa RM 2000- RM3000 \u7684\u670b\u53cb\u7533\u8bf7\u7684\u7ec8\u8eab\u514d\u5e74\u8d39\u4fe1\u7528\u5361\uff0c\u4ee5\u53ca\u76f8\u5173\u4fe1\u7528\u5361\u6240\u63d0\u4f9b\u7684\u4f18\u60e0\u798f\u5229\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-ambank-cash-rebate-visa-platinum\" style=\"color:#009bff\"><strong>1. Ambank Cash Rebate Visa Platinum<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Ambank-Cash-Rebate-Visa-Platinum.webp\" alt=\"\" class=\"wp-image-50029\" style=\"width:300px;height:188px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Ambank-Cash-Rebate-Visa-Platinum.webp 400w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Ambank-Cash-Rebate-Visa-Platinum-300x188.webp 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.ambank.com.my\/eng\/cards\/AmBank-Cash-Rebate-Visa-Platinum-Card\" target=\"_blank\" rel=\"noreferrer noopener\">Ambank Cash Rebate Visa Platinum<\/a> \u662f\u4e00\u5f20\u4e13\u95e8\u5728\u6d88\u8d39\u65f6\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff08Cash Rebate\uff09\u7684\u4fe1\u7528\u5361\u3002\u4e0b\u9762\u4e3a\u5927\u5bb6\u6574\u7406\u8fd9\u5f20\u4fe1\u7528\u5361\u7684\u5177\u4f53\u4f18\u60e0\u798f\u5229\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u73b0\u91d1\u56de\u6263\uff08-cash-rebate\uff09\"><strong>\u73b0\u91d1\u56de\u6263\uff08Cash Rebate\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u5728\u8d85\u5e02\u8d2d\u4e70<strong>\u65e5\u5e38\u7528\u54c1\u3001\u5230\u836f\u623f\uff08Pharmacy\uff09\u6d88\u8d39\u6216\u7f51\u7edc\u8d2d\u7269<\/strong>\uff0c\u6839\u636e\u4f60\u7684\u6d88\u8d39\u91d1\u989d\uff0c\u4f60\u5c06\u83b7\u5f97\u4ee5\u4e0b\u7684\u73b0\u91d1\u56de\u6263\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u6d88\u8d39\u91d1\u989d<\/strong><\/td><td><strong>\u73b0\u91d1\u56de\u6263<\/strong><\/td><td><strong>\u6bcf\u6708\u73b0\u91d1\u56de\u6263\u9650\u989d<\/strong><\/td><\/tr><tr><td>RM 1,500 \u6216\u4ee5\u4e0a<\/td><td>8%<\/td><td>RM 15<\/td><\/tr><tr><td>RM 500 &#8211; RM 1499.99<\/td><td>1%<\/td><td>RM 5<\/td><\/tr><tr><td>RM 0 &#8211; RM 499.99<\/td><td>0.1%<\/td><td>\u65e0\u9650<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6b64\u5916\uff0c\u5f53\u4f60\u7684\u6d88\u8d39\u91d1\u989d\u8fbe\u5230\u4e0a\u9650\u540e\uff0c\u5269\u4f59\u7684\u91d1\u989d\u4ecd\u53ef\u4ee5\u5f97\u5230 0.1% \u7684\u73b0\u91d1\u56de\u6263\u3002<\/p>\n\n\n\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5982\u679c\u4f60\u5728\u65e5\u5e38\u7528\u54c1\u3001\u836f\u623f\u6216\u7f51\u7edc\u8d2d\u7269\u4ee5\u5916\u7684\u5176\u4ed6\u5730\u65b9\u6d88\u8d39\uff0c\u90a3\u4e48\u65e0\u8bba\u4f60\u7684\u6d88\u8d39\u91d1\u989d\u591a\u5c11\uff0c\u4f60\u90fd\u53ea\u80fd\u83b7\u5f97 0.1% \u7684\u73b0\u91d1\u56de\u6263\u3002<\/p>\n\n\n\n<p>\u800c\u5982\u679c\u4f60\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u652f\u4ed8\u6c7d\u6cb9\u8d39\u3001\u653f\u5e9c\u673a\u6784\u76f8\u5173\u8d39\u7528\u3001\u6148\u5584\u673a\u6784\u76f8\u5173\u8d39\u7528\u3001\u5206\u671f\u4ed8\u6b3e\u3001\u8d26\u5355\u652f\u4ed8\u3001FPX\u3001JomPay\u3001\u5e74\u8d39\u3001\u4fe1\u7528\u5361\u63d0\u73b0\u8d39\uff08Cash Advance\uff09\u3001\u4fe1\u7528\u5361\u4f59\u989d\u8f6c\u8d26\uff08Balance Transfer\uff09\u548c\u9000\u6b3e\u7b49\u5219\u90fd\u4e0d\u80fd\u83b7\u5f97\u73b0\u91d1\u56de\u6263\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u5148\u540e\u5728\u8d85\u5e02\u82b1\u8d39\u4e86 RM 200\uff0c\u5e76\u5728\u65c5\u6e38\u6d88\u8d39\u4e86 RM 1,300\uff0c\u5171\u6d88\u8d39\u4e86 RM 1,500 \u6240\u4ee5\u53ef\u4ee5\u83b7\u5f97 8% \u7684\u73b0\u91d1\u56de\u6263\uff0c\u8ba1\u7b97\u65b9\u5f0f\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p>\u5728\u8d85\u5e02\u6d88\u8d39 RM 200 x 8% = RM 16\uff0c\u5df2\u7ecf\u8d85\u8fc7\u6bcf\u6708\u73b0\u91d1\u56de\u6263\u7684\u9650\u989d\uff0c\u56e0\u6b64\u53ea\u6709 RM 187.50 x<\/p>\n\n\n\n<p>8% = RM 15 \u53ef\u83b7\u5f97\u73b0\u91d1\u56de\u6263\u3002\u7531\u4e8e\u5df2\u7ecf\u8fbe\u5230\u73b0\u91d1\u56de\u6263\u7684\u4e0a\u9650\uff0c\u6240\u4ee5\u5269\u4f59\u7684\u91d1\u989d\u53ea\u80fd\u83b7\u5f97 0.1% \u7684\u73b0\u91d1\u6d3b\u53e3\uff0c\u5373 RM 12.50 (RM 200 &#8211; RM 187.50) x 0.1% = RM0.01\u3002<\/p>\n\n\n\n<p>\u800c\u65c5\u6e38\u6d88\u8d39\u5219\u5c5e\u4e8e\u6307\u5b9a\u9886\u57df\u7684\u5176\u4ed6\u6d88\u8d39\uff0c\u56e0\u6b64\u53ea\u80fd\u83b7\u5f97 0.1%\u7684\u56de\u6263\uff0c\u5373 RM 1,300 X 0.1% = RM 1.30\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u5728\u6307\u5b9a\u9886\u57df\uff1a\u65e5\u5e38\u7528\u54c1\u3001\u836f\u623f\u6216\u7f51\u7edc\u5e73\u53f0\u6d88\u8d39\u81f3\u5c11 RM 500 \u6216\u4ee5\u4e0a\uff0c\u4f60\u7684\u4fe1\u7528\u5361\u8d22\u52a1\u8d39\uff08Finance Charges\uff09\uff0c\u5305\u62ec\u5e74\u5229\u606f\u3001\u73b0\u91d1\u9884\u652f\uff08Cash Advance\uff09\u3001\u4f59\u989d\u8f6c\u8d26\uff08Balance Transfer\uff09\u90fd\u53ef\u83b7\u5f97 10% \u7684\u73b0\u91d1\u56de\u6263\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\u800c\u8a00\uff0c\u5c0f\u660e\u5728\u836f\u623f\u548c\u7f51\u7edc\u8d2d\u7269\u5e73\u53f0\u5171\u6d88\u8d39\u4e86 RM 800\uff0c\u90a3\u4e48\u4ed6\u53ef\u4ee5\u83b7\u5f97\u7684\u56de\u6263\u662f 1%\uff1a<\/p>\n\n\n\n<p>\u836f\u623f\u6d88\u8d39 RM 300\uff1aRM 300 x 1% = RM 3<\/p>\n\n\n\n<p>\u7f51\u7edc\u8d2d\u7269 RM 500\uff1aRM 500 x 1% = RM 5<\/p>\n\n\n\n<p>\u5c0f\u660e\u4e00\u5171\u53ef\u4ee5\u83b7\u5f97 RM 8 \u7684\u73b0\u91d1\u56de\u6263\u3002\u540c\u65f6\uff0c\u94f6\u884c\u901a\u77e5\u4ed6\u7684\u4fe1\u7528\u5361\u5e74\u5229\u606f\u9700\u8981\u652f\u4ed8 RM 100\u3002\u6839\u636e\u89c4\u5219\uff0c\u53ea\u8981\u6d88\u8d39\u8d85\u8fc7 RM 500\uff0c\u5c31\u53ef\u4ee5\u83b7\u5f97 10%\u7684\u73b0\u91d1\u56de\u6263\uff0c\u56e0\u6b64 \u5c0f\u660e\u7684\u8d22\u52a1\u8d39\u53ef\u4ee5\u83b7\u5f97 RM 100 X 10% = RM 10 \u7684\u73b0\u91d1\u56de\u6263\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u65c5\u6e38\u4fdd\u9669\"><strong>\u65c5\u6e38\u4fdd\u9669<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u4f7f\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u5168\u989d\uff08Full-fare\uff09\u8d2d\u4e70\u673a\u7968\u65f6\uff0c\u4f60\u548c\u4f60\u7684\u5bb6\u4eba\u53ef\u4ee5\u83b7\u5f97\u6bcf\u5e74\u6700\u9ad8 <a href=\"https:\/\/www.ambank.com.my\/ambank\/Documents\/AutomaticTravelInsurancePolicy.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">RM 500,000 \u7684\u65c5\u6e38\u4fdd\u9669\u4fdd\u969c<\/a>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4fdd\u969c\u8303\u56f4<\/strong><\/td><td><strong>\u4fdd\u969c\u5bf9\u8c61<\/strong><\/td><td><strong>\u4fdd\u969c\u91d1\u989d<\/strong><\/td><\/tr><tr><td>\u6b7b\u4ea1<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 500,000\u3002\u6bcf\u4e2a\u53d7\u629a\u517b\u7684\u5b50\u5973\u90fd\u6709\u6743\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\u91d1\u7684 25%\u3002<\/td><\/tr><tr><td>\u90e8\u5206\u6216\u5b8c\u5168\u6c38\u4e45\u6b8b\u75be<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 500,000\u3002\u6bcf\u4e2a\u53d7\u629a\u517b\u7684\u5b50\u5973\u90fd\u6709\u6743\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\u91d1\u7684 25%\u3002<\/td><\/tr><tr><td>\u9519\u8fc7\u8f6c\u673a\u822a\u73ed\/\u8d85\u989d\u9884\u8ba2\u822a\u73ed<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 600<\/td><\/tr><tr><td>\u9519\u8fc7\u8f6c\u673a\u822a\u73ed\/\u8d85\u989d\u9884\u8ba2\u822a\u73ed<\/td><td>\u8054\u5408\u6301\u5361\u4eba\/\u914d\u5076\/\u5b50\u5973<\/td><td>RM 1,200<\/td><\/tr><tr><td>\u822a\u73ed\u5ef6\u8bef<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 600<\/td><\/tr><tr><td>\u822a\u73ed\u5ef6\u8bef<\/td><td>\u8054\u5408\u6301\u5361\u4eba\/\u914d\u5076\/\u5b50\u5973<\/td><td>RM 1,200<\/td><\/tr><tr><td>\u884c\u674e\u5ef6\u8bef\u8d39<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 600<\/td><\/tr><tr><td>\u884c\u674e\u5ef6\u8bef\u8d39<\/td><td>\u8054\u5408\u6301\u5361\u4eba\/\u914d\u5076\/\u5b50\u5973<\/td><td>RM 1,200<\/td><\/tr><tr><td>\u884c\u674e\u9057\u5931<\/td><td>\u6301\u5361\u4eba<\/td><td>RM 1,300<\/td><\/tr><tr><td>\u884c\u674e\u9057\u5931<\/td><td>\u8054\u5408\u6301\u5361\u4eba\/\u914d\u5076\/\u5b50\u5973<\/td><td>RM 2,600<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u5206\u671f\u4ed8\u6b3e\uff08-easy-payment-plan\uff09\"><strong>\u5206\u671f\u4ed8\u6b3e\uff08Easy Payment Plan\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5f53\u4f60\u4f7f\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u8d2d\u4e70\u5bb6\u7535\u3001\u624b\u673a\u7b49\u4ea7\u54c1\u65f6\uff0c\u53ea\u8981\u6d88\u8d39\u91d1\u989d\u8fbe\u5230\u6700\u4f4e\u6807\u51c6RM 500\uff0c\u4f60\u5c31\u80fd\u4eab\u53d7\u6700\u4f4e\u77ed6\u4e2a\u6708\u81f3\u6700\u957f36\u4e2a\u6708\u7684 <a href=\"https:\/\/ambankspot.com\/deals\/epp\/\" target=\"_blank\" rel=\"noreferrer noopener\">0% \u5229\u606f\u5206\u671f\u4ed8\u6b3e\u4f18\u60e0<\/a>\u3002\u4e0d\u8fc7\uff0c\u8fd9\u4e2a\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u4ec5\u9002\u7528\u4e8e\u6307\u5b9a\u76841,000\u4e2a\u5546\u5bb6\u3002\u6240\u4ee5\u5efa\u8bae\u4f60\u5728\u6d88\u8d39\u524d\uff0c\u67e5\u770b\u5546\u5bb6\u5217\u8868\uff0c\u6d88\u8d39\u624d\u4f1a\u66f4\u5212\u7b97\u54e6\u3002\u70b9\u51fb<a href=\"https:\/\/www.ambank.com.my\/ambank\/SiteAssets\/SitePages\/card\/AmBank0EPPMerchantListing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fd9\u91cc<\/a>\u67e5\u770b\u5546\u5bb6\u5217\u8868\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u8d2d\u4e70\u4e86\u4e00\u53f0\u4ef7\u503c RM 1,000 \u7684\u7535\u89c6\uff0c\u5e76\u9009\u62e9\u4e8636\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\uff0c\u90a3\u4e48\u6bcf\u4e2a\u6708\u5c0f\u660e\u5c06\u652f\u4ed8 RM 1000 \/ 36\u4e2a\u6708 = RM 27.78\u9a6c\u5e01\uff0c\u6ca1\u6709\u4efb\u4f55\u989d\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u5148\u4e70\u540e\u4ed8-\uff08-buy-now-pay-later\uff09\"><strong>\u5148\u4e70\u540e\u4ed8 \uff08Buy Now, Pay Later\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u540c\u4e00\u5f20\u6536\u636e\u4e0a\uff0c\u6d88\u8d39 RM 500\u5c31\u53ef\u4ee5\u52a0\u5165 <a href=\"https:\/\/www.ambank.com.my\/eng\/cards\/AmFlexi-Pay\" target=\"_blank\" rel=\"noreferrer noopener\">AmFlexi-Pay<\/a> \u7684\u5148\u4e70\u540e\u4ed8\u8ba1\u5212\u3002\u8fd9\u9879\u8ba1\u5212\u4ec5\u9002\u7528\u4e8e\u65e5\u5e38\u7684\u96f6\u552e\u4ea4\u6613\uff0c\u4e0d\u9002\u5408\u7528\u4e8e\u51fa\u4e8e\u5546\u4e1a\u76ee\u7684\u7684\u8f6c\u8d26\u3001\u5206\u671f\u4ed8\u6b3e\u3001\u6295\u6ce8\u3001\u4f59\u989d\u8f6c\u8d26\uff08Balance Transfer\uff09\u7b49\u3002<\/p>\n\n\n\n<p>\u8fd9\u9879\u8ba1\u5212\u4ed8\u6b3e\u671f\u9650\u4e3a6\u4e2a\u6708\u300112\u4e2a\u6708\u300118\u4e2a\u6708\u4ee5\u53ca24\u4e2a\u6708\uff0c\u5229\u606f\u662f7%\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u4e3a\u4e86\u5e26\u4e00\u5bb6\u4eba\u51fa\u56fd\u65c5\u6e38\uff0c\u5728\u4f4f\u5bbf\u4e0a\u82b1\u8d39\u4e86 RM 3,500\u3002\u901a\u8fc7 AmFlexi-Pay\uff0c\u5c0f\u660e\u7533\u8bf7\u4e86\u4e3a\u671f12\u4e2a\u6708\u7684\u4ed8\u6b3e\u8ba1\u5212\u3002\u800c\u7b2c\u4e00\u4e2a\u6708\u9700\u8981\u507f\u8fd8\u7684\u672c\u91d1\u662f RM 299\uff0c\u63a5\u4e0b\u6765\u768411\u4e2a\u6708\u672c\u91d1\u507f\u8fd8\u5219\u662f RM 291\u3002<\/p>\n\n\n\n<p>\u800c\u5229\u606f\u65b9\u9762\uff0c\u5c0f\u660e\u6bcf\u6708\u9700\u652f\u4ed8\uff08RM 3,500 X 7%) \/ 12\u4e2a\u6708 = RM 20.42<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5728\u9996\u6708\uff0c\u5c0f\u660e\u5171\u9700\u652f\u4ed8 RM 299.00 + RM 20.42 = RM 319.42<\/p>\n\n\n\n<p>\u63a5\u4e0b\u6765\u7684 11\u4e2a\u6708\u5219\u9700\u8981\u507f\u8fd8 RM 291.00 + RM 20.42 = RM 311.42<\/p>\n\n\n\n<p>\u4e00\u5171\u507f\u8fd8\uff08 RM 311.42 X 11\uff09+ RM 319.42 = RM3745.05\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\u670d\u52a1\uff08-excess-limit-service\uff09\"><strong>\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\u670d\u52a1\uff08Excess Limit Service\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u62c5\u5fc3\u81ea\u5df1\u6bcf\u6708\u7684\u6d88\u8d39\u4f1a\u8d85\u8fc7\u4fe1\u7528\u5361\u63d0\u4f9b\u7684\u989d\u5ea6\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u81f4\u7535\u5230 03-2178 8888 \u8981\u6c42\u94f6\u884c\u5141\u8bb8\u4f60\u8d85\u8fc7\u4e00\u5b9a\u7684\u989d\u5ea6\uff08\u8fd9\u4e2a\u91d1\u989d\u6700\u7ec8\u7531\u94f6\u884c\u51b3\u5b9a\uff09\u3002\u4f46\u662f\uff0c\u89e6\u53d1\u8fd9\u9879\u670d\u52a1\u662f\u94f6\u884c\u5c06\u4f1a\u9488\u5bf9\u4f60\u8d85\u989d\u7684\u90e8\u5206\u5f81\u65362%\u6216\u6700\u4f4e RM 5 \u7684\u670d\u52a1\u8d39\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e3b\u5361\uff1a21\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa RM 2,000<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Ambank Cash Rebate Visa Platinum \u662f\u4e00\u5f20\u975e\u5e38\u9002\u5408\u6536\u5165\u8f83\u4f4e\u7684\u6253\u5de5\u65cf\u7684\u4fe1\u7528\u5361\uff0c\u7279\u522b\u9002\u5408\u559c\u6b22\u7f51\u8d2d\u3001\u65e5\u5e38\u8d2d\u7269\u7684\u4eba\u7fa4\uff0c\u56e0\u4e3a\u5b83\u63d0\u4f9b\u4e86\u4f18\u60e0\u529b\u5ea6\u8f83\u5927\u7684\u73b0\u91d1\u56de\u6263\uff0c\u6240\u4ee5\u6211\u4eec\u6bcf\u82b1\u4e00\u7b14\u94b1\uff0c\u5b9e\u9645\u4e0a\u4e5f\u6709\u5728\u7701\u94b1\uff0c\u751a\u81f3\u5728\u7b26\u5408\u6761\u89c4\u7684\u60c5\u51b5\u4e0b\u8fd8\u80fd\u5e2e\u6211\u4eec\u8282\u7701\u9700\u8981\u507f\u8fd8\u7684\u4fe1\u7528\u5361\u8d22\u52a1\u8d39\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u559c\u6b22\u65c5\u6e38\uff0c\u8fd9\u5f20\u4fe1\u7528\u5361\u4e5f\u975e\u5e38\u5408\u9002\uff0c\u56e0\u4e3a\u5b83\u63d0\u4f9b\u7684\u65c5\u6e38\u4fdd\u9669\uff0c\u4e0d\u4ec5\u80fd\u591f\u60e0\u53ca\u6301\u5361\u4eba\uff0c\u5c31\u8fde\u5bb6\u4eba\u4e5f\u53ef\u4ee5\u4eab\u53d7\u798f\u5229\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c\u4f60\u6700\u8fd1\u6709\u79df\u623f\u6216\u8d2d\u4e70\u65b0\u623f\u5b50\u7684\u6253\u7b97\uff0c\u9700\u8981\u8d2d\u4e70\u65b0\u7684\u5bb6\u7535\uff0c\u4f7f\u7528\u8bc1\u8fd9\u5f20\u5361\u6d88\u8d39\u4e5f\u53ef\u4ee5\u8ba9\u6211\u4eec\u5728\u4e0d\u9700\u8981\u507f\u8fd8\u4efb\u4f55\u5229\u606f\u7684\u60c5\u51b5\u4e0b\u5206\u671f\u4ed8\u6b3e\uff0c\u53ef\u4ee5\u5e2e\u52a9\u6211\u4eec\u51cf\u8f7b\u4e00\u6b21\u6027\u5927\u989d\u652f\u51fa\u6240\u5e26\u6765\u7684\u8d1f\u62c5\uff0c\u4fdd\u8bc1\u6bcf\u4e2a\u6708\u7684\u652f\u51fa\u4ecd\u5728\u53ef\u627f\u53d7\u8303\u56f4\u5185\uff0c\u4e0d\u4f1a\u56e0\u4e3a\u652f\u51fa\u800c\u5bfc\u81f4\u610f\u5916\u6765\u4e34\u65f6\u65e0\u6cd5\u5e94\u5bf9\u3002<\/p>\n\n\n\n<p>\u800c Am Flexi-Pay \u8ba1\u5212\u9002\u7528\u4e8e\u4efb\u4f55\u96f6\u552e\u4ea4\u6613\uff0c\u867d\u7136\u8981\u507f\u8fd87%\u7684\u5229\u606f\uff0c\u4f46\u76f8\u6bd4\u4fe1\u7528\u5361\u672c\u8eab 15% &#8211; 18%\u7684\u5229\u606f\uff0c\u901a\u8fc7 Am Flexi-Pay \u6211\u4eec\u4e0d\u4ec5\u53ef\u4ee5\u89e3\u51b3\u4e86\u4e00\u6b21\u6027\u5927\u989d\u652f\u51fa\u7684\u70e6\u607c\uff0c\u540c\u65f6\u8fd8\u80fd\u8282\u7701\u8981\u507f\u8fd8\u7684\u5229\u606f\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u5c3d\u7ba1\u5982\u6b64\uff0c\u8fd8\u662f\u8981\u63d0\u9192\u5927\u5bb6\u4e00\u5b9a\u8981\u6309\u65f6\u507f\u8fd8\u4fe1\u7528\u5361\u7684\u6ca1\u60f3\u8d39\u7528\uff0c\u5373\u4f7f\u662f\u5206\u671f\u4ed8\u6b3e\u4e5f\u8981\u6309\u65f6\u507f\u8fd8\uff0c\u5426\u5219\u5c06\u4f1a\u5f71\u54cd\u4f60\u7684\u4fe1\u7528\u5206\u6570\uff0c\u5bfc\u81f4\u65e5\u540e\u501f\u8d37\u56f0\u96be\u3002<\/p>\n\n\n\n<p>\u603b\u4f53\u6765\u8bf4\uff0c\u8fd9\u5f20\u5361\u5229\u5927\u4e8e\u5f0a\uff0c\u975e\u5e38\u63a8\u8350\u5c0f\u8d44\u65cf\u53bb\u7533\u8bf7\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>\u5982\u679c\u4f60\u6709\u6253\u7b97\u5f00\u4e00\u4e2a\u9ad8\u5229\u606f\u7684\u50a8\u84c4\u6237\u53e3\uff0c\u90a3\u4e48\u914d\u5408\u8fd9\u5f20\u4fe1\u7528\u5361\u6d88\u8d39\uff0c\u4f60\u8fd8\u53ef\u4ee5\u83b7\u5f97\u9ad8\u8fbe 6.50% \u7684\u6237\u53e3\u5229\u606f\uff0c\u8be6\u60c5\u63a8\u8350\u4f60\u9605\u8bfb\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-salary-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9a6c\u6765\u897f\u4e9a\u6700 BEST Salary Account TOP 5! \u51fa\u7cae\u6237\u53e3\u6709\u4ec0\u4e48\u597d\u5904\u548c\u4f18\u60e0\uff1f\u6253\u5de5\u65cf\u5fc5\u770b\uff01<\/a>\u7684\u3010\u9a6c\u6765\u897f\u4e9a Salary Account TOP 5 \u63a8\u8350\u3011\u7b2c2\u70b9 AmBank@work Privileges \u7684 TRUE Savers Account \u90e8\u5206\u3002<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-maybank-2-gold-cards\" style=\"color:#009bff\"><strong>2. Maybank 2 Gold Cards<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1002\" height=\"631\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Maybank-2-Gold-Cards.webp\" alt=\"\" class=\"wp-image-50031\" style=\"width:501px;height:316px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Maybank-2-Gold-Cards.webp 1002w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Maybank-2-Gold-Cards-300x189.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Maybank-2-Gold-Cards-768x484.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Maybank-2-Gold-Cards-750x472.webp 750w\" sizes=\"(max-width: 1002px) 100vw, 1002px\" \/><\/figure>\n\n\n\n<p>\u53ea\u8981\u7533\u8bf7 <a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/cards\/credit\/maybank_2_gold_card.page\" target=\"_blank\" rel=\"noreferrer noopener\">Maybank 2 Gold Cards<\/a> \u5c31\u80fd<strong>\u4e00\u6b21\u6027\u83b7\u5f972\u5f20\u4fe1\u7528\u5361<\/strong>\uff0c\u5206\u522b\u4e3a\uff1aMaybank 2 Gold American Express (AMEX) Card \u4ee5\u53ca Maybank 2 Gold Mastercard \/ Visa Card\uff0c\u800c\u4e14\u4e24\u5f20\u4fe1\u7528\u5361\u90fd\u662f\u7ec8\u751f\u514d\u5e74\u8d39\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-1\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p>\u7531\u4e8e Maybank 2 Gold Cards \u5171\u67092\u5f20\u4fe1\u7528\u5361\uff0c\u56e0\u6b64\u4e24\u5f20\u4fe1\u7528\u5361\u6240\u80fd\u83b7\u5f97\u7684\u4f18\u60e0\u798f\u5229\u90fd\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" id=\"maybank-2-gold-american-express-amex-card\" style=\"color:#282364\"><strong>Maybank 2 Gold American Express (AMEX) Card<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u79ef\u5206\u5956\u52b1\uff08-treatpoints\uff09\uff1a\"><strong>\u79ef\u5206\u5956\u52b1\uff08Treatpoints\uff09\uff1a<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u5de5\u4f5c\u65e5\uff08\u661f\u671f\u4e00-\u661f\u671f\u4e94\uff09\u4f7f\u7528\u8be5\u5361\u5728\u56fd\u5185\u5916\u6d88\u8d39\u6bcf RM 1 \u53ef\u83b7\u5f975\u4e2a\u79ef\u5206\u3002\u5468\u672b\uff08\u661f\u671f\u516d\u3001\u65e5\uff09\u7684\u6d88\u8d39\u5219\u4e0d\u80fd\u83b7\u5f97\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5728\u8fd9\u4e00\u4e2a\u661f\u671f\u4e2d\uff0c\u4f60\u5206\u522b\u5728\u8d85\u5e02\u3001\u9910\u5385\u4f7f\u7528\u6b64\u4fe1\u7528\u5361\u6d88\u8d39\uff0c\u5171\u82b1\u8d39 RM 200\u3002\u56e0\u6b64\uff0c\u4f60\u8fd9\u4e2a\u661f\u671f\u80fd\u591f\u83b7\u5f97 RM 200 X 5\u4e2a\u79ef\u5206 = 1000\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5982\u679c\u4fe1\u7528\u5361\u7684\u6d88\u8d39\u5e94\u7528\u4e8e Maybank 0% EzyPay \u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u3001\u6559\u80b2\u673a\u6784\u3001\u4fdd\u9669\u6216\u8005\u7528\u4e8e\u652f\u4ed8\u7535\u529b\u3001\u71c3\u6c14\u3001\u536b\u751f\u548c\u6c34\u6c34\u8d39\u5219\u53ea\u80fd\u83b7\u5f97 1\u4e2a\u79ef\u5206\u3002\u800c\u5bf9\u4e8e\u6c7d\u6cb9\u7684\u6d88\u8d39\uff0c\u4e0d\u8d85 RM 500 \u7684\u6d88\u8d39\u53ef\u83b7\u5f975\u4e2a\u79ef\u5206\uff0c\u8d85\u8fc7 RM 500 \u7684\u6d88\u8d39\u5219\u6bcf RM 1 \u53ef\u83b7\u5f971\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u4f60\u652f\u4ed8\u4e86 RM 100 \u7684\u6c34\u7535\u8d39\uff0c\u90a3\u4e48\u4f60\u53ea\u80fd\u83b7\u5f97 RM 100 X1\u4e2a\u79ef\u5206 = 100\u4e2a\u79ef\u5206\u3002\u5728\u6cb9\u7ad9\u6253\u6cb9\u82b1\u4e86 RM 80\uff0c\u90a3\u4e48\u4f60\u53ef\u4ee5\u83b7\u5f97 RM 80 X 5\u4e2a\u79ef\u5206 = 400\u4e2a\u79ef\u5206\u3002\u52a0\u4e0a\u6b64\u524d\u5728\u9910\u5385\u548c\u8d85\u5e02\u6d88\u8d39\u6240\u83b7\u5f97\u79ef\u5206\uff0c\u4f60\u8fd9\u661f\u671f\u4e00\u5171\u53ef\u4ee5\u83b7\u5f971,500\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u5f53\u4f60\u7d2f\u79ef\u5230 14,000 \u4e2a\u79ef\u5206\uff0c\u8fd9\u4e9b\u79ef\u5206\u53ef\u4ee5\u5151\u6362\u6210 1,000\u4e2a Enrich\u3001KrisFlyer \u6216 Asia Miles\u7684\u98de\u884c\u91cc\u7a0b\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u8fd4\u73b0\uff08-cashbacks\uff09\uff1a\"><strong>\u8fd4\u73b0\uff08Cashbacks\uff09\uff1a<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6301\u6709\u6b64\u4fe1\u7528\u5361\u5728\u5468\u672b\uff08\u661f\u671f\u516d\u3001\u65e5\uff09\u8fdb\u884c\u6d88\u8d39\u53ef\u83b7\u5f975%\u7684\u73b0\u91d1\u8fd4\u8fd8\uff0c\u8fd4\u8fd8\u4e0a\u9650\u6bcf\u6708 RM 50\uff0c\u6bcf\u5e74 RM 600\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u4f60\u5728\u661f\u671f\u516d\u5230\u8d2d\u7269\u5e7f\u573a\u6d88\u8d39\u4e86 RM 200\uff0c\u90a3\u4e48\u4f60\u53ef\u4ee5\u83b7\u5f97 RM 200 x 5% = RM 10\u7684\u8fd4\u73b0\u3002\u5982\u679c\u4f60\u6d88\u8d39\u4e86 RM 1,500\uff0c\u90a3\u4e48\u5373\u4f7f\u6309\u7167\u8ba1\u7b97\u4f60\u5e94\u8be5\u53ef\u4ee5\u83b7\u5f97 RM 1,500 X 5% = RM 75 \u7684\u8fd4\u73b0\uff0c\u4f46\u7531\u4e8e\u6761\u89c4\u9650\u5236\u6bcf\u6708\u53ea\u80fd\u6700\u9ad8\u8fd4\u8fd8 RM 50\uff0c\u6240\u4ee5\u4f60\u53ea\u80fd\u83b7\u5f97 RM 50\u7684\u73b0\u91d1\u8fd4\u8fd8\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-color\" id=\"maybank-2-gold-mastercard-visa-card\" style=\"color:#282364\"><strong>Maybank 2 Gold Mastercard \/ Visa Card<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u79ef\u5206\u5956\u52b1\uff08-treatpoints\uff09\uff1a-2\"><strong>\u79ef\u5206\u5956\u52b1\uff08Treatpoints\uff09\uff1a<\/strong><\/h5>\n\n\n\n<p>\u4efb\u4f55\u65f6\u5019\u5728\u56fd\u5185\u5916\u6d88\u8d39\u6bcf RM 1 \u90fd\u53ef\u4ee5\u83b7\u5f971\u4e2a\u79ef\u5206\u3002\u6bd4\u5982\uff1a\u4f60\u5728\u8d85\u5e02\u6d88\u8d39 RM 100\uff0c\u4f60\u53ef\u4ee5\u83b7\u5f97 RM 100 X 1\u4e2a\u79ef\u5206 = 100\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u5f53\u4f60\u7d2f\u79ef\u5230 14,000 \u4e2a\u79ef\u5206\uff0c\u8fd9\u4e9b\u79ef\u5206\u4e00\u6837\u53ef\u4ee5\u5151\u6362\u6210 1,000\u4e2a Enrich\u3001KrisFlyer \u6216 Asia Miles\u7684\u98de\u884c\u91cc\u7a0b\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u9650\u65f6\u4f18\u60e0\"><strong>\u9650\u65f6\u4f18\u60e0<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u51e1\u662f\u57282023\u5e749\u670830\u65e5\u524d\u7533\u8bf7 Maybank\u7684 Visa\u3001Mastercard \u6216 AMEX \u4fe1\u7528\u5361\u7684\u524d100\u540d\u65b0\u7528\u6237\uff0c\u53ea\u8981\u5728\u7533\u8bf7\u4fe1\u7528\u5361\u540e\u768445\u5929\u5185\u6d88\u8d39\u81f3\u5c11 RM 300 \u90fd\u6709\u673a\u4f1a\u83b7\u5f97 <a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/promotions\/maybank_cards\/promo_my_cardsstp0219.page\" target=\"_blank\" rel=\"noreferrer noopener\">RM 200 \u7684\u8fd4\u73b0<\/a>\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-3\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5e74\u9f84\uff1a21-65\u5c81<\/p>\n\n\n\n<p>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 30,000\uff1b\u6708\u85aa RM 2,500<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u6ce8\u610f\u4e8b\u9879\"><strong>\u6ce8\u610f\u4e8b\u9879<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>1.\u6240\u6709\u5728\u653f\u5e9c\u673a\u6784\u3001JomPay\u3001FPX \u8f6c\u8d26\u6216\u7535\u5b50\u94b1\u5305\u5145\u503c\u7684\u4fe1\u7528\u5361\u6d88\u8d39\u90fd\u4e0d\u80fd\u83b7\u5f97\u79ef\u5206\u5956\u52b1\u3002<\/p>\n\n\n\n<p>2.Maybank 2 Gold American Express (AMEX) Card \u53ea\u9002\u7528\u4e8e\u90e8\u5206\u63a5\u6536 AMEX \u7684\u5546\u5bb6\u3002\u4f60\u53ef\u4ee5\u70b9\u51fb<a href=\"https:\/\/www.maybank2u.com.my\/iwov-resources\/pdf\/personal\/cards\/credit_cards\/amex-merchant_list.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fd9\u91cc<\/a>\u67e5\u770b\u63a5\u6536\u6b64\u4fe1\u7528\u5361\u6d88\u8d39\u7684\u5546\u5bb6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-4\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u901a\u8fc7\u5bf9\u6bd4\u4e24\u5f20\u5361\uff0c\u6211\u4eec\u4e0d\u96be\u53d1\u73b0 Maybank 2 Gold American Express (AMEX) Card \u63d0\u4f9b\u8f83\u591a\u7684\u4f18\u60e0\u798f\u5229\u3002\u56e0\u6b64\uff0c\u5efa\u8bae\u6301\u5361\u4eba\u96c6\u4e2d\u4f7f\u7528\u8fd9\u5f20\u5361\u6d88\u8d39\u4ee5\u83b7\u5f97\u66f4\u591a\u5956\u52b1\u3002\u4f46\u662f\uff0c\u7531\u4e8e\u53ea\u6709\u90e8\u5206\u5546\u5bb6\u63a5\u53d7 AMEX \u4fe1\u7528\u5361\uff0c\u6240\u4ee5\u4f60\u9700\u8981\u5728\u7533\u8bf7\u524d\u5148\u786e\u8ba4\u8fd9\u4e9b\u5546\u5bb6\u662f\u5426\u662f\u4f60\u7ecf\u5e38\u6d88\u8d39\u7684\u5bf9\u8c61\u3002\u5982\u679c\u4e0d\u662f\uff0c\u90a3\u4e48\u4f60\u5c31\u53ea\u80fd\u591f\u4f7f\u7528\u53d7\u5546\u5bb6\u5e7f\u6cdb\u63a5\u53d7\u7684 Maybank 2 Gold Mastercard \/ Visa Card \u6765\u8fdb\u884c\u6d88\u8d39\uff0c\u4f46\u6240\u80fd\u83b7\u5f97\u7684\u79ef\u5206\u5956\u52b1\u5c31\u5927\u6253\u6298\u6263\u4e86\uff0c\u800c\u662f\u5426\u7533\u8bf7\u8fd9\u5f20\u4fe1\u7528\u5361\u5c31\u9700\u8981\u4e09\u601d\u3002<\/p>\n\n\n\n<p>\u7efc\u5408\u6765\u770b\uff0c\u8fd9\u5f20\u5361\u9002\u5408\u7528\u4e8e\u4efb\u4f55\u65e5\u5e38\u6d88\u8d39\uff0c\u65e0\u8bba\u662f\u5728\u5546\u573a\u8d2d\u4e70\u65e5\u7528\u54c1\u3001\u9910\u5385\u7528\u9910\u3001\u6c7d\u6cb9\u6d88\u8d39\u7b49\u90fd\u80fd\u591f\u88ab\u63a5\u53d7\uff0c\u4e0d\u9700\u8981\u5b8c\u573a\u6307\u5b9a\u7684\u4efb\u52a1\u6765\u89e3\u9501\u5956\u52b1\u3002\u5982\u679c\u4f60\u559c\u6b22\u65c5\u6e38\uff0c\u8fd9\u5f20\u5361\u80fd\u591f\u628a\u79ef\u5206\u5151\u6362\u6210\u91cc\u7a0b\uff0c\u800c\u4e14\u6708\u85aa RM 2,500 \u7684\u6253\u5de5\u65cf\u4e5f\u80fd\u591f\u8f7b\u677e\u7533\u8bf7\uff0c\u6240\u4ee5\u8fd9\u5f20\u5361\u7684\u6027\u4ef7\u6bd4\u975e\u5e38\u9ad8\uff0c\u8fd8\u662f\u975e\u5e38\u503c\u5f97\u63a8\u8350\u7684\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u5982\u679c\u60f3\u8981\u4e86\u89e3\u7533\u8bf7 Maybank 2 Gold Cards \u7684\u7533\u8bf7\u6d41\u7a0b\uff0c\u63a8\u8350\u4f60\u9605\u8bfb\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/best-credit-card-for-normal-people\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30102023\u3011\u5c0f\u8cc7\u65cf\u5fc5\u770b\uff01\u99ac\u4f86\u897f\u4e9e\u4fe1\u7528\u5361\u63a8\u85a6<\/a> \u6216\u8005\u76f4\u63a5\uff1a<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/promotions\/maybank_cards\/promo_my_cardsstp0219.page?utm_source=involveasia&amp;utm_medium=affiliate&amp;utm_campaign=vb-cnv-crd-stp-accelerateh2-3e390379bb7143ea8c06618c6f4cb7b1\" target=\"_blank\" rel=\"noreferrer noopener\">\u70b9\u6211\u7533\u8bf7 Maybank 2 Gold Cards<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-public-bank-quantum-credit-card\" style=\"color:#009bff\"><strong>3.Public Bank Quantum Credit Card<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-1024x538.webp\" alt=\"\" class=\"wp-image-50033\" style=\"width:512px;height:269px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-1024x538.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-300x158.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-768x403.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-750x394.webp 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card-1140x599.webp 1140w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/Public-Bank-Quantum-Credit-Card.webp 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Cards\/Cards\/PB-Quantum-Credit-Cards.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Public Bank Quantum Credit Card<\/a> \u662f\u4e00\u5f20\u5bf9\u4e3b\u5361\u548c\u526f\u5361\u90fd\u7ec8\u8eab\u514d\u9664\u5e74\u8d39\u7684\u4fe1\u7528\u5361\uff0c\u5171\u6709\u4e24\u79cd\u7c7b\u522b MasterCard \u548c Visa Card \u4f9b\u6211\u4eec\u9009\u62e9\u5176\u4e00\u3002\u5b83\u63d0\u4f9b\u4ee5\u4e0b\u4f18\u60e0\u798f\u5229\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-5\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u73b0\u91d1\u8fd4\u8fd8\uff08-cashback\uff09\"><strong>\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u4f7f\u7528 PB Quantum MasterCard \u53ea\u8981<strong>\u5728\u56fd\u5916<\/strong>\u6bcf\u6d88\u8d39 RM 100\uff0c\u5c31\u53ef\u4ee5\u83b7\u5f97<strong>2%\u7684\u8fd4\u73b0<\/strong>\uff0c\u6700\u9ad8 RM 20\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u4f7f\u7528 PB Quantum Visa Card \u5219\u6bcf\u901a\u8fc7<strong>\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\uff08Contactless Payment\uff09<\/strong>\u6bd4\u5982\uff1a PayWave \u6d88\u8d39 RM 100\uff0c\u5c31\u53ef\u4ee5\u83b7\u5f97<strong>2%\u7684\u8fd4\u73b0<\/strong>\uff0c\u6700\u9ad8 RM 20\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\u800c\u8a00\uff0c\u5c0f\u660e\u5728\u5546\u573a\u8d2d\u7269\u4f7f\u7528 Visa PayWave \u6d88\u8d39\u4e86 RM 300\uff0c\u4ed6\u53ef\u4ee5\u83b7\u5f97 RM 300 X 2% = RM 6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u79ef\u5206\u5956\u52b1\uff08vip-points\uff09\"><strong>\u79ef\u5206\u5956\u52b1\uff08VIP Points\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>Public Bank \u7684 VIP Points \u901a\u4fd7\u4e00\u70b9\u8bf4\u5c31\u662f\u79ef\u5206\u5956\u52b1\uff0c\u5b83\u53ef\u4ee5\u7528\u6765\u5151\u6362\u793c\u5238\u3001\u793c\u7269\u6216\u91cc\u7a0b\uff0c\u89c6\u94f6\u884c\u5f53\u65f6\u7684\u6d3b\u52a8\u4e3b\u8981\u63a8\u9001\u4ec0\u4e48\u5956\u52b1\u3002<\/p>\n\n\n\n<p>\u901a\u8fc7 PB Quantum Credit Card <strong>\u5728\u56fd\u5916<\/strong>\u6d88\u8d39\u6bcf RM 1 \u5373\u53ef\u83b7\u5f972\u4e2a VIP Points\u3002\u6bd4\u5982\uff1a\u4f60\u5728\u56fd\u5916\u9910\u5385\u6d88\u8d39 RM 100\uff0c\u5373\u53ef\u83b7\u5f97 RM 100 X 2\u4e2a\u79ef\u5206 = 200\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u4f7f\u7528\u8fd9\u5f20\u5361<strong>\u5728\u56fd\u5185<\/strong>\u6d88\u8d39\u6bcf RM 1\uff0c\u5219\u53ea\u53ef\u83b7\u5f97 1\u4e2a VIP Points\u3002\u6bd4\u5982\uff1a\u4f60\u5728\u8d85\u5e02\u6d88\u8d39 RM 100\uff0c\u5373\u53ef\u83b7\u5f97 RM 100 X 1\u4e2a\u79ef\u5206 = 100\u4e2a\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u63d0\u9192\u4f60\u7684\u662f\uff0c\u6240\u6709 VIP Points \u5c06\u57283\u5e74\u5230\u671f\u540e\u5931\u6548\u3002\u800c\u4e14\u51e1\u662f\u6709\u5173\u653f\u5e9c\u673a\u6784\u76f8\u5173\u8d39\u7528\u3001\u6148\u6c7d\u6cb9\u8d39\u3001\u5206\u671f\u4ed8\u6b3e\u3001\u4fdd\u9669\u3001\u6148\u5584\u673a\u6784\u3001University Tunku Abdul Rahman (UTAR) \u548c Tunku Abdul Rahman University College (TARC) \u7684\u76f8\u5173\u8d39\u7528\u3001FPX\u3001JomPay\u3001\u5e74\u8d39\u3001\u4fe1\u7528\u5361\u63d0\u73b0\u8d39\uff08Cash Advance\uff09\u3001\u4fe1\u7528\u5361\u4f59\u989d\u8f6c\u8d26\uff08Balance Transfer\uff09\u7b49\u5219\u90fd\u4e0d\u80fd\u83b7\u5f97\u4fe1\u7528\u5361\u7684\u4f18\u60e0\u798f\u5229\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u5206\u671f\u4ed8\u6b3e\uff08-flexi-payment-plan\uff09\"><strong>\u5206\u671f\u4ed8\u6b3e\uff08Flexi-Payment Plan\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6700\u4f4e\u6d88\u8d39 RM 1,200\uff0c\u5373\u53ef\u7533\u8bf712\u4e2a\u6708\uff0c\u5229\u606f 1% \u7684\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u8d2d\u4e70\u4e86\u4e00\u4e2a\u4ef7\u503c RM 2,000 \u7684\u51b0\u7bb1\u3002\u5047\u8bbe\u5c0f\u660e\u9009\u62e9\u4e8612\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u90a3\u4e48\u4ed6\u6bcf\u4e2a\u6708\u6240\u8981\u644a\u8fd8\u7684\u672c\u91d1\u662f RM 2,000 \/ 12\u4e2a\u6708 = RM 166.67\uff0c\u800c\u6240\u9700\u8981\u507f\u8fd8\u7684\u5229\u606f\u662f\uff08RM 2,000 X 1%) \/ 12\u4e2a\u6708 = RM 1.66\uff0c\u603b\u5171\u6bcf\u6708\u9700\u8981\u507f\u8fd8 RM 168.33\uff0c\u6700\u540e\u8fde\u672c\u52a0\u5229\u4e00\u5e74\u5171\u507f\u8fd8 RM 168.33 X 12\u4e2a\u6708 = RM 2019.96\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u7f51\u8d2d\u4fdd\u62a4\uff08e-commerce-purchase-protection\uff09\"><strong>\u7f51\u8d2d\u4fdd\u62a4\uff08e-Commerce Purchase Protection\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u51e1\u901a\u8fc7 PB Quantum MasterCard\u8fdb\u884c\u7f51\u8d2d\uff0c\u5c06\u5728\u4ee5\u4e0b\u60c5\u51b5\u83b7\u5f97\u6bcf\u5e74\u6700\u9ad8 USD 200 \u7684\u8d54\u507f\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5728\u8d2d\u4e70\u7269\u54c130\u5929\u540e\u4ecd\u6ca1\u6709\u9001\u8fbe<\/li>\n\n\n\n<li>\u8d2d\u4e70\u7684\u7269\u54c1\u5728\u9001\u8fbe\u540e\u8d27\u4e0d\u5bf9\u677f\uff0c\u6570\u91cf\u4e0d\u5bf9\u6216\u53d1\u9001\u5230\u9519\u8bef\u7684\u5730\u5740<\/li>\n\n\n\n<li>\u8d2d\u4e70\u7269\u54c1\u5728\u8fd0\u9001\u9014\u4e2d\u635f\u6bc1<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u9057\u5631\u4f18\u60e0-\uff08-will-and-wasiat-writing-service\uff09\"><strong>\u9057\u5631\u4f18\u60e0 \uff08Will and Wasiat Writing Service\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b7b\u4ea1\u4e0d\u5206\u5e74\u9f84\u3002\u4e3a\u4e86\u907f\u514d\u8eab\u6545\u540e\u7684\u8d22\u4ea7\u7ea0\u7eb7\uff0c\u6211\u4eec\u53ef\u4ee5\u901a\u8fc7\u7533\u8bf7\u8fd9\u5f20\u4fe1\u7528\u5361\uff0c\u5728 Public Bank \u8fdb\u884c\u7acb\u9057\u5631\uff0c\u5e76\u4eab\u6709 50% \u7684\u6298\u6263\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u9650\u65f6\u4f18\u60e0-6\"><strong>\u9650\u65f6\u4f18\u60e0<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4ece2023\u5e748\u67081\u65e5\u81f32024\u5e741\u670831\u65e5\uff0c\u6240\u6709\u6301\u6709 PB Quantum Visa Card \u7684\u7528\u6237\u51e1\u662f\u5728\u65c5\u6e38\u9879\u76ee\uff0c\u5982\uff1a\u673a\u7968\u3001\u65c5\u9986\u4f4f\u5bbf\u3001\u65c5\u6e38\u666f\u70b9\u3001\u65c5\u6e38\u673a\u6784\u3001\u79df\u8f66\u4f5c\u4e3a\u65c5\u884c\u4ee3\u8868\u3001\u90ae\u8f6e\u4ee5\u53ca\u6240\u6709\u7f51\u4e0a\u4ea4\u6613\u90fd\u53ef\u4ee5\u83b7\u5f97 5% \u7684\u8fd4\u73b0\uff08Cashbacks\uff09\uff0c\u6bcf\u6708\u4e0d\u8d85\u8fc7 RM 50\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u5728\u65c5\u9986\u6d88\u8d39\u4e86 RM 1,500\uff0c\u90a3\u4e48\u4ed6\u53ef\u4ee5\u83b7\u5f97\u7684\u8fd4\u73b0\u662f RM 1,500 X 5% = RM 75\u3002\u4f46\u662f\uff0c\u7531\u4e8e\u8fd4\u73b0\u7684\u9650\u989d\u662f RM 50\uff0c\u56e0\u6b64\u5c0f\u660e\u8fd9\u4e2a\u6708\u53ea\u80fd\u83b7\u5f97\u6700\u591a RM 50 \u7684\u8fd4\u73b0\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-7\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e3b\u5361\uff1a21\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 36,000\uff1b\u6708\u85aa RM 3,000<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-8\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>PB Quantum Credit Card \u76f8\u6bd4\u5176\u4ed6\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u7684\u6536\u5165\u95e8\u69db\u7565\u9ad8\uff0c\u4f46\u662f\u5374\u6709\u8bf8\u591a\u4f18\u60e0\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7ecf\u5e38\u7f51\u8d2d\uff0c\u6700\u62c5\u5fc3\u7684\u83ab\u8fc7\u4e8e\u7269\u54c1\u5728\u8fd0\u8f93\u8fc7\u7a0b\u4e2d\u4e22\u5931\u3001\u635f\u574f\uff0c\u4f46\u662f\u8fd9\u5f20\u4fe1\u7528\u5361\u63d0\u4f9b\u4e86\u7f51\u8d2d\u4fdd\u9669\uff0c\u6240\u4ee5\u7279\u522b\u9002\u5408\u7ecf\u5e38\u7f51\u8d2d\u7684\u4eba\u7fa4\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u8fd9\u5f20\u5361\u4e5f\u63d0\u4f9b\u4e86\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\uff0c\u9002\u5408\u6700\u8fd1\u6709\u9700\u8981\u4e70\u5927\u578b\u5bb6\u7535\u6216\u624b\u673a\u7684\u4eba\u7fa4\u3002\u901a\u8fc7\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\uff0c\u5c0f\u8d44\u65cf\u53ef\u4ee5\u5206\u5f00\u644a\u8fd8\uff0c\u51cf\u5c11\u4e00\u6b21\u6027\u5f00\u9500\u5de8\u5927\u7684\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u5c0f\u7f16\u4f1a\u66f4\u52a0\u5efa\u8bae\u6709\u51fa\u56fd\u9700\u8981\uff0c\u7ecf\u5e38\u5728\u56fd\u5916\u516c\u5e72\u6216\u5230\u56fd\u5916\u65c5\u6e38\u7684\u4eba\u7fa4\u7533\u8bf7\u8fd9\u5f20\u5361\uff0c\u56e0\u4e3a\u5b83\u6709\u66f4\u9ad8\u7684\u79ef\u5206\u5956\u52b1\u548c\u8fd4\u73b0\u3002\u5982\u679c\u4f60\u8fd1\u671f\u6ca1\u6709\u51fa\u56fd\u7684\u6253\u7b97\u4e14\u6d3b\u52a8\u8303\u56f4\u90fd\u56fa\u5b9a\u5728\u56fd\u5185\uff0c\u90a3\u4e48\u8fd9\u5f20\u5361\u7684\u79ef\u5206\u5956\u52b1\u5c31\u6ca1\u90a3\u4e48\u8bf1\u4eba\u4e86\uff0c\u7533\u8bf7\u8fd9\u5f20\u5361\u5c31\u9700\u8981\u4e09\u601d\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"4-uob-simple-card\" style=\"color:#009bff\"><strong>4.UOB Simple Card<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"282\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/UOB-Simple-Card.webp\" alt=\"\" class=\"wp-image-50035\" style=\"width:333px;height:212px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/UOB-Simple-Card.webp 444w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/UOB-Simple-Card-300x191.webp 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.uob.com.my\/personal\/cards\/credit-cards\/uob-simple.page\" target=\"_blank\" rel=\"noreferrer noopener\">UOB Simple Card <\/a>&nbsp;\u662f\u4e00\u5f20\u4e13\u95e8\u63d0\u4f9b\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09\u7684\u4fe1\u7528\u5361\uff0c\u5b83\u7684\u524d\u8eab\u5b9e\u9645\u4e0a\u662f Citi Simplicity+ \u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-9\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u73b0\u91d1\u8fd4\u8fd8\uff08-cashback\uff09-10\"><strong>\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4fe1\u7528\u5361\u5176\u5b9e\u9664\u4e86\u5e74\u8d39\uff0c\u8fd8\u6709\u5f81\u6536\u8bf8\u591a\u8d39\u7528\uff0c\u5982\uff1a\u4f59\u989d\u8f6c\u79fb\u8d39\u7528\uff08Balance Transfer\uff09\u3001\u73b0\u91d1\u9884\u652f\uff08Cash Advance\uff09\u4ee5\u53ca 15% &#8211; 18%\u7684\u5229\u606f\u7b49\u7b49\u3002\u8fd9\u4e9b\u8d39\u7528\u5c31\u7edf\u79f0\u4e3a\u8d22\u52a1\u8d39\uff08finance charges\uff09\u3002<\/p>\n\n\n\n<p>UOB Simple Card \u5c31\u9488\u5bf9\u6211\u4eec\u7684\u8d22\u52a1\u8d39\u63d0\u4f9b\u4e86 10% \u7684\u8fd4\u73b0\uff0c\u524d\u63d0\u662f\u6211\u4eec\u6bcf\u4e2a\u6708\u9700\u8981\u6309\u65f6\u507f\u8fd8\u5361\u503a\uff0c\u6700\u4f4e\u8fd8\u6b3e\uff08Minimum Payment\uff09\u7684\u91d1\u989d\u81f3\u5c11\u662f RM 50\u3002\u5982\u679c\u6211\u4eec\u8fd8\u6b3e\u7684\u91d1\u989d\u5c11\u4e8e\u6700\u4f4e\u8fd8\u6b3e\u7684\u8981\u6c42\uff0c\u5219\u8fd4\u73b0\u798f\u5229\u88ab\u53d6\u6d88\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u57283\u6708\u4f7f\u7528\u4fe1\u7528\u5361\u5e76\u6839\u636e\u6700\u4f4e\u8fd8\u6b3e\u8981\u6c42\u507f\u8fd8\u4e86 RM 50\u3002\u5f53\u6708\u9700\u8981\u507f\u8fd8\u7684\u5229\u606f\u662f RM 200\u3002\u56e0\u4e3a\u6ee1\u8db3\u4e86\u8fd8\u6b3e\u95e8\u69db\uff0c\u5c0f\u660e\u53ef\u4ee5\u57284\u6708\u6536\u5230\u5229\u606f\u7684\u8fd4\u73b0\uff0c\u5373 RM 200 x 10% = RM 20\u3002<\/p>\n\n\n\n<p>\u6700\u91cd\u8981\u7684\u662f\uff0c\u8fd9\u5f20\u4fe1\u7528\u5361\u7684\u73b0\u91d1\u8fd4\u8fd8\u662f\u6ca1\u6709\u4e0a\u9650\u7684\u3002\u8fd9\u610f\u5473\u7740\u6211\u4eec\u53ef\u4ee5\u83b7\u5f97\u76f8\u5e94\u6d88\u8d39\u989d\u5ea6\u7684\u4e00\u5b9a\u6bd4\u4f8b\u4f5c\u4e3a\u73b0\u91d1\u8fd4\u8fd8\uff0c\u4e0d\u53d7\u7279\u5b9a\u91d1\u989d\u7684\u9650\u5236\uff0c\u8ba9\u6211\u4eec\u5728\u6d88\u8d39\u65f6\u53ef\u4ee5\u83b7\u5f97\u66f4\u591a\u7684\u56de\u62a5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff08-late-payment-charges\uff09\"><strong>\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff08Late Payment Charges\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u6211\u4eec\u6ca1\u6709\u5728\u4fe1\u7528\u5361\u7684\u622a\u6b62\u65e5\u524d\u507f\u8fd8\u6700\u4f4e\u8fd8\u6b3e\uff0c\u4e00\u822c\u5c71\u94f6\u884c\u90fd\u4f1a\u5f81\u6536\u903e\u671f\u7f5a\u91d1\uff08Late Payment Charges\uff09\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u5373\u4f7f\u4f60\u56e0\u67d0\u4e9b\u539f\u56e0\u65e0\u6cd5\u6309\u65f6\u507f\u8fd8\u5361\u503a\uff0cUOB Simple Card \u4e0d\u4f1a\u5bf9\u4efb\u4f55\u903e\u671f\u4ed8\u6b3e\u8fdb\u884c\u7f5a\u6b3e\uff0c\u8fd9\u4e3a\u6301\u5361\u4eba\u5e26\u6765\u4e00\u5b9a\u7684\u7075\u6d3b\u6027\u548c\u5bbd\u5bb9\u5ea6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-11\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e3b\u5361\uff1a21\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa RM 2,000<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-12\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u603b\u4f53\u6765\u770b\uff0cUOB Simple Card \u662f\u4e00\u5f20\u9002\u5408\u5c0f\u8d44\u65cf\u7684\u4fe1\u7528\u5361\uff0c\u800c\u4e14\u83b7\u5f97\u8fd4\u73b0\u7684\u6761\u4ef6\u4e5f\u975e\u5e38\u7b80\u5355\uff0c\u53ea\u8981\u6211\u4eec\u507f\u8fd8\u4fe1\u7528\u5361\u7684\u8d22\u52a1\u8d39\u5c31\u80fd\u591f\u83b7\u5f97\u8fd4\u73b0\u3002\u5982\u679c\u6211\u4eec\u76ee\u524d\u6682\u65f6\u9047\u5230\u7ecf\u6d4e\u538b\u529b\uff0c\u4e0d\u5e78\u9700\u8981\u62d6\u6b20\u4fe1\u7528\u5361\u8d39\u7528\uff0c\u867d\u7136\u4f1a\u5f71\u54cd\u4fe1\u7528\u8bb0\u5f55\uff0c\u4f46\u5b83\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff0c\u6240\u4ee5\u4e5f\u80fd\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u7ed9\u6211\u4eec\u5598\u606f\u7684\u7a7a\u95f4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"5-cimb-cash-rebate-platinum-credit-card\" style=\"color:#009bff\"><strong>5.CIMB Cash Rebate Platinum Credit Card<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"502\" height=\"309\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/CIMB-Cash-Rebate-Platinum-Credit-Card.webp\" alt=\"\" class=\"wp-image-50037\" style=\"width:377px;height:232px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/CIMB-Cash-Rebate-Platinum-Credit-Card.webp 502w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/09\/CIMB-Cash-Rebate-Platinum-Credit-Card-300x185.webp 300w\" sizes=\"(max-width: 502px) 100vw, 502px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.cimb.com.my\/en\/personal\/day-to-day-banking\/cards\/credit-card\/cimb-cash-rebate-platinum-credit-card.html?gmi=21000\" target=\"_blank\" rel=\"noreferrer noopener\">CIMB Cash Rebate Platinum Credit Card<\/a> \u662f\u4e00\u5f20\u4e13\u95e8\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09\u7684\u4fe1\u7528\u5361\uff0c\u4f18\u60e0\u798f\u5229\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-13\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09\"><strong>\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>CIMB Cash Rebate Platinum Credit Card \u7684\u73b0\u91d1\u56de\u6263\u662f\u6839\u636e\u6211\u4eec\u7684\u6708\u7ed3\u5355\u4f59\u989d\uff08Monthly Statement Balance\uff09\u8ba1\u7b97\u7684\uff0c\u800c\u7ed9\u4e88\u73b0\u91d1\u56de\u6263\u7684\u9879\u76ee\u5219\u53ea\u9650\u5b9a\u5728\u7535\u5f71\u9662\u3001\u6c7d\u6cb9\u3001\u65e5\u7528\u54c1\u6d88\u8d39\u3001\u7535\u8bdd\u8d39\u3001\u6c34\u7535\u8d26\u5355\u4ee5\u53ca\u5176\u4ed6\u96f6\u552e\u6216\u7f51\u7edc\u4e0a\u7684\u6d88\u8d39\u3002<\/p>\n\n\n\n<p>\u7b80\u5355\u79d1\u666e\u4e00\u4e0b\u4ec0\u4e48\u662f\u6708\u7ed3\u5355\u4f59\u989d\uff08Monthly Statement Balance\uff09\u3002\u8fd9\u662f\u6307\u5728\u4fe1\u7528\u5361\u8d26\u5355\u5468\u671f\u7ed3\u675f\u65f6\uff08\u4e00\u4e2a\u6708\uff09\uff0c\u6301\u5361\u4eba\u6240\u6b20\u94f6\u884c\u7684\u603b\u91d1\u989d\uff0c\u5305\u62ec\u6240\u6709\u6d88\u8d39\u3001\u53d6\u73b0\u548c\u5229\u606f\u7b49\u8d39\u7528\u3002\u8fd9\u4e2a\u4f59\u989d\u9700\u8981\u5728\u6307\u5b9a\u7684\u8fd8\u6b3e\u671f\u9650\u5185\u5168\u989d\u652f\u4ed8\uff0c\u4ee5\u907f\u514d\u4ea7\u751f\u5229\u606f\u548c\u903e\u671f\u8d39\u7528\u3002\u8fd9\u901a\u5e38\u662f\u6301\u5361\u4eba\u9700\u8981\u6700\u5173\u6ce8\u7684\u91d1\u989d\uff0c\u56e0\u4e3a\u5b83\u76f4\u63a5\u5f71\u54cd\u5230\u4fe1\u7528\u5361\u7684\u8d26\u5355\u652f\u4ed8\u548c\u4fe1\u7528\u8bb0\u5f55\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>\u6708\u7ed3\u5355\u4f59\u989d\u5c11\u4e8e RM 3,000\u7684\u73b0\u91d1\u56de\u6263<\/strong><\/td><td><strong>\u6708\u7ed3\u5355\u4f59\u989d RM 3,000 \u6216\u4ee5\u4e0a\u7684\u73b0\u91d1\u56de\u6263<\/strong><\/td><td><strong>\u73b0\u91d1\u56de\u6263\u4e0a\u9650<\/strong><\/td><\/tr><tr><td><strong>\u7535\u5f71\u9662<\/strong><\/td><td>2%<\/td><td>5%<\/td><td>RM 30<\/td><\/tr><tr><td><strong>\u6c7d\u6cb9\u548c\u65e5\u7528\u54c1\u6d88\u8d39<\/strong><\/td><td>2%<\/td><td>5%<\/td><td>RM 30<\/td><\/tr><tr><td><strong>\u7535\u8bdd\u8d39\u548c\u6c34\u7535\u8d26\u5355<\/strong><\/td><td>2%<\/td><td>5%<\/td><td>RM 30<\/td><\/tr><tr><td><strong>\u5176\u4ed6\u96f6\u552e\u6216\u7f51\u7edc\u4e0a\u7684\u6d88\u8d39<\/strong><\/td><td>0.2%<\/td><td>0.2%<\/td><td>\u65e0\u9650<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5c0f\u660e\u5728\u8fd9\u4e2a\u6708\u4f7f\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u603b\u5171\u6d88\u8d39\u4e86 RM 5,000\uff0c\u6708\u7ed3\u5355\u4f59\u989d\u5927\u7ea6\u662f RM 5100\u3002\u4ed6\u5206\u522b\u82b1\u8d39\u5728\u9910\u5385\u5403\u996d\u3001\u65c5\u6e38\u3001\u652f\u4ed8\u6c7d\u8f66\u8d37\u6b3e\u3001\u8bf7\u53cb\u4eba\u5230\u7535\u5f71\u9662\u770b\u620f\u3001\u652f\u4ed8\u6c7d\u6cb9\u8d39\u3001\u4e70\u65e5\u7528\u54c1\u3001\u7535\u8bdd\u8d39\u548c\u6c34\u7535\u8d26\u5355\u4ee5\u53ca\u5230\u7f51\u8d2d\u5e73\u53f0\u6d88\u8d39\u3002\u5176\u4e2d\uff0c\u53ea\u67094\u4e2a\u9879\u76ee\u80fd\u591f\u83b7\u5f97\u73b0\u91d1\u56de\u6263\uff0c\u800c\u4e14\u7531\u4e8e\u6708\u7ed3\u5355\u4f59\u989d\u8d85\u8fc7\u4e86 RM 3,000 \u4ee5\u4e0a\uff0c\u6240\u4ee5\uff0c\u4ed6\u80fd\u591f\u83b7\u5f975%\u7684\u73b0\u91d1\u56de\u6263\uff0c\u603b\u5171 RM 25.40\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>\u6d88\u8d39\u91d1\u989d<\/strong><\/td><td><strong>\u73b0\u91d1\u56de\u6263<\/strong><\/td><\/tr><tr><td><strong>\u7535\u5f71\u9662<\/strong><\/td><td>RM 38<\/td><td>RM 38 X 5% = RM 1.90<\/td><\/tr><tr><td><strong>\u6c7d\u6cb9\u8d39\u548c\u65e5\u7528\u54c1<\/strong><\/td><td>RM 300<\/td><td>RM 300 X 5% = RM 15<\/td><\/tr><tr><td><strong>\u7535\u8bdd\u8d39\u548c\u6c34\u7535\u8d26\u5355<\/strong><\/td><td>RM 150<\/td><td>RM 150 X 5% = RM 7.50<\/td><\/tr><tr><td><strong>\u7f51\u8d2d<\/strong><\/td><td>RM 500<\/td><td>RM 500 X 0.2% = RM 1<\/td><\/tr><tr><td><strong>\u603b\u5171<\/strong><\/td><td>RM 988<\/td><td><strong>RM 25.40<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color\" id=\"\u65c5\u884c\u4fdd\u9669\uff08-travel-insurance\uff09\"><strong>\u65c5\u884c\u4fdd\u9669\uff08Travel Insurance\uff09<\/strong><\/h5>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5f53\u4f60\u4f7f\u7528\u8fd9\u5f20\u5361\u652f\u4ed8\u673a\u7968\u7684\u5168\u989d\u8d39\u7528\uff08Full-fare\uff09\u65f6\uff0c\u5c31\u53ef\u4ee5\u81ea\u52a8\u83b7\u5f97\u9ad8\u8fbe RM 1,000,000 \u7684\u65c5\u6e38\u4fdd\u9669\uff0c\u4fdd\u969c\u8303\u56f4\u5305\u62ec\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4fdd\u969c\u8303\u56f4<\/strong><\/td><td><strong>\u4fdd\u969c\u91d1\u989d<\/strong><\/td><\/tr><tr><td>\u6b7b\u4ea1<\/td><td>RM 1,000,000<\/td><\/tr><tr><td>\u5931\u53bb\u53cc\u624b\u53cc\u811a<\/td><td>RM 1,000,000<\/td><\/tr><tr><td>\u5931\u53bb\u4e00\u53ea\u624b\u4e00\u53ea\u811a<\/td><td>RM 1,000,000<\/td><\/tr><tr><td>\u53cc\u773c\u5b8c\u5168\u5931\u53bb\u89c6\u529b<\/td><td>RM 1,000,000<\/td><\/tr><tr><td>\u4e00\u53ea\u773c\u5b8c\u5168\u5931\u53bb\u89c6\u529b\uff0c\u540c\u65f6\u5931\u53bb\u4e00\u53ea\u624b\u6216\u4e00\u53ea\u811a<\/td><td>RM 1,000,000<\/td><\/tr><tr><td>\u5931\u53bb\u4e00\u53ea\u624b\u6216\u4e00\u53ea\u811a<\/td><td>RM 500,000<\/td><\/tr><tr><td>\u4e00\u53ea\u773c\u775b\u5b8c\u5168\u5931\u53bb\u89c6\u529b<\/td><td>RM 500,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u82e5\u53d1\u751f\u610f\u5916\uff0c\u6301\u5361\u4eba\u53ef\u4ee5\u83b7\u5f97 100% \u7684\u8d54\u507f\u91d1\u989d\uff0c\u800c\u53d7\u629a\u517b\u7684\u5b50\u5973\uff0c\u82e5\u5e74\u9f8418\u5c81\u4ee5\u4e0b\u5219\u53ea\u53ef\u4ee5\u83b7\u5f97 10% \u7684\u8d54\u507f\u91d1\uff0c\u5e74\u9f84\u4ecb\u4e8e19\u5c81-25\u5c81\u7684\u5b50\u5973\u5219\u53ef\u4ee5\u83b7\u5f97\u5168\u989d\u7684\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5f53\u6211\u4eec\u5728\u65c5\u884c\u9014\u4e2d\u906d\u9047\u4ee5\u4e0b\u60c5\u51b5\uff0c\u4e5f\u53ef\u4ee5\u83b7\u5f97\u8d54\u507f\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4fdd\u969c\u8303\u56f4<\/strong><\/td><td><strong>\u4fdd\u969c\u91d1\u989d<\/strong><\/td><\/tr><tr><td>\u98de\u673a\u5ef6\u8bef<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u56e0\u98de\u673a\u5ef6\u8bef\u5bfc\u81f4\u9519\u8fc7\u8f6c\u673a\u822a\u73ed<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u56e0\u98de\u673a\u7ef4\u4fee\u9519\u8fc7\u822a\u73ed\u8d77\u98de<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u968f\u540c\u7684\u884c\u674e\u8fd0\u8f93\u5ef6\u8bef<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u884c\u674e\u9057\u5931<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u5728\u65c5\u884c\u7684\u76ee\u7684\u5730\u611f\u67d3\u4e0a COVID-19<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u79df\u8f66\u65f6\u53d1\u751f\u610f\u5916<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 1,000<\/td><\/tr><tr><td>\u5982\u679c\u6301\u5361\u4eba\u53d1\u751f\u4e25\u91cd\u610f\u5916\uff0c\u968f\u540c\u65e0\u4eba\u770b\u987e\u7684\u5c0f\u5b69\u53ef\u83b7\u5f97<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u9057\u5931\u91d1\u94b1\u6216\u91cd\u8981\u4e2a\u4eba\u6587\u4ef6<\/td><td>\u6301\u5361\u4eba RM 1,000 \uff1b \u5bb6\u5ead RM 2,000<\/td><\/tr><tr><td>\u5728\u56fd\u5916\u533b\u9662\u63a5\u53d7 COVID-19 \u6cbb\u7597<\/td><td>RM 500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-14\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e3b\u5361\uff1a21\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa RM 2,000<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-15\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>\u603b\u4f53\u6765\u770b\uff0cCIMB Cash Rebate Platinum Credit Card \u662f\u4e00\u5f20\u9002\u5408\u5c0f\u8d44\u65cf\u7684\u4fe1\u7528\u5361\uff0c\u5b83\u63d0\u4f9b\u7684\u73b0\u91d1\u56de\u6263\u5956\u52b1\u4e0d\u9519\uff0c\u975e\u5e38\u9002\u5408\u65e5\u5e38\u4f7f\u7528\uff0c\u800c\u4e14\u6ca1\u6709\u9650\u5236\u6d88\u8d39\u5fc5\u987b\u5728\u56fd\u5185\u6216\u662f\u56fd\u5916\uff0c\u7075\u6d3b\u6027\u66f4\u5927\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c\u4f60\u975e\u5e38\u559c\u6b22\u65c5\u6e38\uff0c\u90a3\u4e48\u8fd9\u5f20\u4fe1\u7528\u5361\u66f4\u4e0d\u5bb9\u9519\u8fc7\uff0c\u56e0\u4e3a\u5b83\u63d0\u4f9b\u4e86\u76f8\u5f53\u53ef\u89c2\u7684\u65c5\u6e38\u4fdd\u9669\u8d54\u507f\uff0c\u8ba9\u4f60\u5728\u65c5\u9014\u4e2d\u540e\u987e\u65e0\u5fe7\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4fe1\u7528\u5361<\/strong><\/td><td><strong>\u6708\u85aa<\/strong><\/td><td><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.ambank.com.my\/eng\/cards\/AmBank-Cash-Rebate-Visa-Platinum-Card\" target=\"_blank\" rel=\"noreferrer noopener\">Ambank Cash Rebate Visa Platinum<\/a><\/td><td>RM 2,000<\/td><td>\u73b0\u91d1\u56de\u6263\uff08Cash Rebate\uff09<br>\u65c5\u6e38\u4fdd\u9669<br>0%\u5206\u671f\u4ed8\u6b3e\uff08Easy Payment Plan\uff09<br>\u5148\u4e70\u540e\u4ed8 \uff08Buy Now, Pay Later\uff09<br>\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\u670d\u52a1\uff08Excess Limit Service\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/cards\/credit\/maybank_2_gold_card.page\" target=\"_blank\" rel=\"noreferrer noopener\">Maybank 2 Gold Cards<\/a><\/td><td>RM 2,500<\/td><td>\u79ef\u5206\u5956\u52b1\uff08Treatpoints\uff09<br>\u8fd4\u73b0\uff08Cashbacks\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Cards\/Cards\/PB-Quantum-Credit-Cards.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Public Bank Quantum Credit Card<\/a><\/td><td>RM 3,000<\/td><td>\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<br>\u79ef\u5206\u5956\u52b1\uff08VIP Points\uff09<br>\u5206\u671f\u4ed8\u6b3e\uff08Flexi-Payment Plan\uff09<br>\u7f51\u8d2d\u4fdd\u62a4\uff08e-Commerce Purchase Protection\uff09<br>\u9057\u5631\u4f18\u60e0 \uff08Will and Wasiat Writing Service\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.uob.com.my\/personal\/cards\/credit-cards\/uob-simple.page\" target=\"_blank\" rel=\"noreferrer noopener\">UOB Simple Card<\/a><\/td><td>RM 2,000<\/td><td>\u73b0\u91d1\u8fd4\u8fd8\uff08Cashback\uff09<br>\u6ca1\u6709\u903e\u671f\u7f5a\u91d1\uff08Late Payment Charges\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.cimb.com.my\/en\/personal\/day-to-day-banking\/cards\/credit-card\/cimb-cash-rebate-platinum-credit-card.html?gmi=21000\" target=\"_blank\" rel=\"noreferrer noopener\">CIMB Cash Rebate Platinum Credit Card<\/a><\/td><td>RM 2,000<\/td><td>\u73b0\u91d1\u56de\u6263\uff08Cash Rebate\uff09<br>\u65c5\u6e38\u4fdd\u9669<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\"><strong>\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u662f\u4e00\u540d\u6253\u5de5\u65cf\uff0c\u5927\u81f4\u4e0a\u5f53\u4f60\u5411\u94f6\u884c\u7533\u8bf7\u4fe1\u7528\u5361\u662f\uff0c\u90fd\u5f97\u51c6\u672c\u4ee5\u4e0b\u6587\u4ef6\u7684\u526f\u672c\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8eab\u4efd\u8bc1\u53cc\u9762\u7684\u590d\u5370\u672c<\/li>\n\n\n\n<li>\u6700\u5c113\u4e2a\u6708\u7684\u85aa\u6c34\u5355<\/li>\n<\/ul>\n\n\n\n<p>\u4ee5\u53ca\u4ee5\u4e0b\u6587\u4ef6\u4e2d\u4efb\u9009\u5176\u4e00\uff1a<\/p>\n\n\n\n<ul>\n<li>\u6700\u8fd1\u7684\u62a5\u7a0e\u8bb0\u5f55\uff08Form B\/BE \u548c\u62a5\u7a0e\u6536\u636e\uff09<\/li>\n\n\n\n<li>\u6700\u8fd1\u7684\u516c\u79ef\u91d1\u62a5\u8868<\/li>\n\n\n\n<li>\u6700\u8fd13\u4e2a\u6708\u7684\u94f6\u884c\u6d41\u6c34<\/li>\n\n\n\n<li>\u6700\u8fd1\u7684 EA Form<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u4f60\u662f\u4e00\u540d\u81ea\u96c7\u4eba\u58eb\u6216\u81ea\u7531\u804c\u4e1a\u8005\uff0c\u4f60\u9700\u8981\u51c6\u5907\u4ee5\u4e0b\u6587\u4ef6\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8eab\u4efd\u8bc1\u53cc\u9762\u7684\u590d\u5370\u672c<\/li>\n\n\n\n<li>\u5728 SSM \u6ce8\u518c\u751f\u610f\u7684\u5f71\u5370\u672c<\/li>\n\n\n\n<li>\u6700\u8fd1\u7684\u62a5\u7a0e\u8bb0\u5f55\uff08Form BE \u548c\u62a5\u7a0e\u6536\u636e\uff09<\/li>\n\n\n\n<li>\u6700\u8fd16\u4e2a\u6708\u7684\u94f6\u884c\u6d41\u6c34<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u603b\u7ed3\"><strong>\u603b\u7ed3&nbsp;<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6700\u9ad8\u7ea7\u7684\u82b1\u94b1\uff0c\u5c31\u662f\u7701\u94b1\uff01\u5728\u7269\u4ef7\u5947\u9ad8\uff0c\u80fd\u7701\u5219\u7701\u7684\u5e74\u4ee3\uff0c\u4f7f\u7528\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u4e0d\u4ec5\u53ef\u4ee5\u8ba9\u6211\u4eec\u8282\u7701\u4fe1\u7528\u5361\u6240\u4ea7\u751f\u7684\u8d39\u7528\uff0c\u8fd8\u80fd\u8ba9\u6211\u4eec\u82b1\u51fa\u53bb\u7684\u6bcf\u4e00\u7b14\u94b1\uff0c\u82b1\u7684\u6709\u4ef7\u503c\uff0c\u82b1\u7684\u6709\u56de\u62a5\u3002<\/p>\n\n\n\n<p>\u5e0c\u671b\u4ef7\u503c\u601d\u7ef4\u6574\u7406\u76845\u5f20\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u80fd\u5e2e\u5230\u4f60\uff0c\u8ba9\u6211\u4eec\u4e00\u8d77\u628a\u94b1\u90fd\u82b1\u5728\u5200\u5203\u4e0a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5ef6\u4f38\u9605\u8bfb\"><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/beginner-guide-of-choosing-and-applying-for-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u99ac\u4f86\u897f\u4e9e\u65b0\u624b\u4fe1\u7528\u5361\u5927\u5168\uff1a\u9996\u6b21\u7533\u8acb\u4fe1\u7528\u5361\u5fc5\u77e5<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/best-credit-card-for-normal-people\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30102023\u3011\u5c0f\u8cc7\u65cf\u5fc5\u770b\uff01\u99ac\u4f86\u897f\u4e9e\u4fe1\u7528\u5361\u63a8\u85a6<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/how-to-choose-a-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">9\u500b\u6b65\u9a5f\u6311\u9078\u51fa\u6700\u9069\u5408\u4f60\u7684\u4fe1\u7528\u5361 | \u7533\u8acb\u4fe1\u7528\u5361\u5fc5\u8b80\uff01<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-ccris-and-ctos\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4ec0\u9ebd\u662fCCRIS &amp; CTOS\uff1f5\u62db\u63d0\u9ad8\u4fe1\u7528\u5206\u6578\uff0c\u6559\u4f60\u5728\u5927\u99ac\u501f\u5230\u9280\u884c\u8cb8\u6b3e<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u8d23\u58f0\u660e\"><strong>\u514d\u8d23\u58f0\u660e<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b64\u6587\u7ae0\u5185\u5bb9\u4ec5\u4f5c\u4e3a\u6559\u5b66\u3001\u5206\u4eab\u53ca\u53c2\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u4e13\u4e1a\u7684\u6295\u8d44\u5efa\u8bae\u3002\u7531\u4e8e\u4e2a\u4eba\u7684\u60c5\u51b5\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u8054\u7cfb\u4ef7\u503c\u601d\u7ef4\u6216\u54a8\u8be2\u4f60\u7684\u7406\u8d22\u89c4\u5212\u5e08\u4ee5\u53d6\u5f97\u4e13\u4e1a\u7684\u5efa\u8bae\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5982\u679c\u4f60\u662f\u7b2c\u4e00\u6b21\u7533\u8bf7\u4fe1\u7528\u5361\uff0c\u6216\u8005\u51c6\u5907\u7533\u8bf7\u8d37\u6b3e\u60f3\u8981\u5229\u7528\u4fe1\u7528\u5361\u6765\u63d0\u9ad8\u4fe1\u7528\u8bb0\u5f55\u7684\u5206\u6570\uff0c\u800c\u5e73\u65f6\u53c8\u6ca1\u6709\u5927\u989d\u6d88\u8d39\uff0c\u90a3\u4e48\u4ef7\u503c\u601d\u7ef4\u4e3a\u4f60\u6574\u7406\u7684\u9a6c\u6765\u897f\u4e9a5\u5f20\u514d\u5e74\u8d39\u4fe1\u7528\u5361 No Annual Fee Credit Card \u6216\u8bb8\u53ef\u4ee5\u5e2e\u5230\u4f60\u3002\u4fe1\u7528\u5361\u7684\u8d39\u7528\u7e41\u591a\uff0c\u5982\u679c\u7528\u4e0d\u597d\u4e00\u4e0d\u5c0f\u5fc3\u5c31\u4f1a\u8d1f\u503a\u7d2f\u7d2f\uff0c\u4f46\u662f\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\u4e0d\u77e5\u53ef\u4ee5\u5e2e\u6211\u4eec\u7701\u94b1\uff0c\u4f7f\u7528\u8d77\u6765\u8fd8\u7b80\u5355\u65b9\u4fbf\u3002<\/p>\n","protected":false},"author":62,"featured_media":50025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[667],"tags":[777,778,553,780],"_links":{"self":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts\/50022"}],"collection":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/users\/62"}],"replies":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/comments?post=50022"}],"version-history":[{"count":0,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/posts\/50022\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/media\/50025"}],"wp:attachment":[{"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/media?parent=50022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/categories?post=50022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valueinmind.co\/zh\/wp-json\/wp\/v2\/tags?post=50022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}