{"id":50581,"date":"2023-11-01T07:00:00","date_gmt":"2023-10-31T23:00:00","guid":{"rendered":"https:\/\/valueinmind.co\/?p=50581"},"modified":"2023-11-01T09:47:20","modified_gmt":"2023-11-01T01:47:20","slug":"freelancer-self-employed-apply-credit-card","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/freelancer-self-employed-apply-credit-card\/","title":{"rendered":"\u81ea\u96c7\u4eba\u58eb\u3001\u81ea\u7531\u804c\u4e1a\u8005\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u63a8\u83505\u5f20\u9002\u5408 Freelancer &amp; Self-employed \u7684\u4fe1\u7528\u5361"},"content":{"rendered":"\n<p>\u5f88\u591a\u4eba\u5728\u6bd5\u4e1a\u540e\u5f00\u59cb\u5de5\u4f5c\u4e00\u6bb5\u65f6\u95f4\u540e\uff0c\u5c31\u4f1a\u7533\u8bf7\u4eba\u751f\u4e2d\u7684\u7b2c\u4e00\u4e2a\u4fe1\u7528\u5361\uff0c\u6bd5\u7adf\u73b0\u5728\u7684\u4fe1\u7528\u5361\u90fd\u6709\u4e0d\u540c\u7684\u4f18\u60e0\u548c\u7528\u5904\uff0c\u4f8b\u5982\u73b0\u91d1\u56de\u9988\u3001\u79ef\u5206\u5151\u6362\u4ea7\u54c1\u6216\u8005\u673a\u7968\uff0c\u5206\u671f\u4ed8\u6b3e\u7b49\u7b49\u7684\u597d\u5904\uff0c\u5982\u679c\u5229\u7528\u5f97\u5f53\u7684\u8bdd\uff0c\u4e0d\u4ec5\u4ec5\u53ef\u4ee5\u7701\u94b1\uff0c\u8fd8\u80fd\u5728\u8d22\u52a1\u7ba1\u7406\u4e0a\u66f4\u52a0\u7684\u6709\u4f38\u7f29\u6027\u3002<\/p>\n\n\n\n<p>\u5c24\u5176\u662f\u867d\u7136\u73b0\u5728\u75ab\u60c5\u5df2\u7ecf\u6210\u4e3a\u4e86\u8fc7\u53bb\uff0c\u4f46\u662f\u4e0d\u53ef\u5426\u8ba4\u7684\u662f\uff0c\u5927\u5bb6\u7684\u751f\u6d3b\u6a21\u5f0f\u5df2\u7ecf\u53d1\u751f\u4e86\u5929\u7ffb\u5730\u8986\u7684\u6539\u53d8\uff0c\u73b0\u4e0b\u8bb8\u591a\u4eba\u4e5f\u9009\u62e9\u6210\u4e3a\u81ea\u96c7\u4eba\u58eb\u751a\u81f3\u662f\u81ea\u7531\u804c\u4e1a\u3002\u867d\u7136\u65f6\u95f4\u548c\u5de5\u4f5c\u6a21\u5f0f\u76f8\u5bf9\u81ea\u7531\u4e86\uff0c\u4f46\u662f\u5bf9\u6bd4\u62e5\u6709\u7a33\u5b9a\u6536\u5165\u7684\u4e0a\u73ed\u65cf\u6765\u8bf4\uff0c\u4e5f\u6709\u4e00\u4e9b\u6bd4\u8f83\u4e0d\u65b9\u4fbf\u7684\u60c5\u51b5\uff0c\u6bd4\u5982\u7533\u8bf7\u4fe1\u7528\u5361\u65f6\uff0c\u5bf9\u4e8e\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\u5c31\u6ca1\u6709\u90a3\u4e48\u7b80\u5355\u4e86\u3002<\/p>\n\n\n\n<p>\u7531\u4e8e\u5e02\u9762\u4e0a\u7684\u4fe1\u7528\u5361\u7c7b\u578b\u4f17\u591a\uff0c\u6211\u4eec\u6574\u7406\u4e865\u5f20\u9002\u5408\u81ea\u96c7\u4eba\u58eb\u6216\u8005\u662f\u81ea\u7531\u804c\u4e1a\u8005\u7533\u8bf7\u7684\u4fe1\u7528\u5361\u3002\u8fd9\u7bc7\u4e3a\u4fdd\u969c\u8bf4\u660e\u4e86\u8fd9\u4e9b\u4fe1\u7528\u5361\u90fd\u6709\u4ec0\u4e48\u4f18\u60e0\u548c\u798f\u5229\u8fd8\u5305\u62ec\u7533\u8bf7\u7684\u6307\u5357\uff0c\u5e2e\u52a9\u4f60\u80fd\u591f\u6210\u529f\u7533\u8bf7\u81ea\u5df1\u7684\u4fe1\u7528\u5361\u3002\u5982\u679c\u4f60\u662f\u4e00\u540d\u81ea\u96c7\u4eba\u58eb\uff0c\u5e76\u4e14\u73b0\u5728\u8003\u8651\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u8bdd\uff0c\u90a3\u8fd9\u7bc7\u6587\u7ae0\u5c31\u975e\u5e38\u9002\u5408\u4f60\u4e86\uff01<\/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=\"#freelancer-self-employed-\u7533\u8bf7\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u597d\u5904\uff1f\">Freelancer &amp; self-employed \u7533\u8bf7\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u597d\u5904\uff1f<\/a><ul><li class=\"\"><a href=\"#\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\">\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55<\/a><\/li><li class=\"\"><a href=\"#\u7075\u6d3b\u652f\u914d\u8d44\u91d1\">\u7075\u6d3b\u652f\u914d\u8d44\u91d1<\/a><\/li><li class=\"\"><a href=\"#\u8d2d\u4e70\u4e1a\u52a1\u5fc5\u9700\u54c1\">\u8d2d\u4e70\u4e1a\u52a1\u5fc5\u9700\u54c1<\/a><\/li><li class=\"\"><a href=\"#\u65b9\u4fbf\u8ffd\u8e2a\u652f\u51fa\">\u65b9\u4fbf\u8ffd\u8e2a\u652f\u51fa<\/a><\/li><li class=\"\"><a href=\"#\u4eab\u53d7\u4f18\u60e0\u548c\u5956\u52b1\">\u4eab\u53d7\u4f18\u60e0\u548c\u5956\u52b1<\/a><\/li><li class=\"\"><a href=\"#\u7d27\u6025\u5907\u7528\u8d44\u91d1\">\u7d27\u6025\u5907\u7528\u8d44\u91d1<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u8981\u51c6\u5907\u4ec0\u4e48\uff1f\">\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u8981\u51c6\u5907\u4ec0\u4e48\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u9002\u5408\u4ec0\u4e48\u4fe1\u7528\u5361\uff1f\">\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u9002\u5408\u4ec0\u4e48\u4fe1\u7528\u5361\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u4ec0\u4e48\u662f-fd-pledge-secured-credit-card\uff1f\">\u4ec0\u4e48\u662f FD Pledge \/ Secured Credit Card\uff1f<\/a><\/li><li class=\"\"><a href=\"#fd-pledge-secured-credit-card-\u7684\u597d\u5904\">FD Pledge \/ Secured Credit Card \u7684\u597d\u5904<\/a><ul><li class=\"\"><a href=\"#1-\u7533\u8bf7\u95e8\u69db\u4f4e\">1.\u7533\u8bf7\u95e8\u69db\u4f4e<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#fd-pledge-secured-credit-card-\u7684\u574f\u5904\">FD Pledge \/ Secured Credit Card \u7684\u574f\u5904<\/a><ul><li class=\"\"><a href=\"#1-\u62b5\u62bc\u98ce\u9669\">1.\u62b5\u62bc\u98ce\u9669<\/a><\/li><li class=\"\"><a href=\"#2-\u4fe1\u7528\u5361\u989d\u5ea6\u53d6\u51b3\u4e8e\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u91d1\u989d\">2.\u4fe1\u7528\u5361\u989d\u5ea6\u53d6\u51b3\u4e8e\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u91d1\u989d<\/a><\/li><li class=\"\"><a href=\"#3-\u989d\u5916\u8d39\u7528\">3.\u989d\u5916\u8d39\u7528<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u63a8\u8350\u9002\u5408-freelancer-self-employed-\u7684-top-5-\u4fe1\u7528\u5361\">\u63a8\u8350\u9002\u5408 Freelancer &amp; self-employed \u7684 TOP 5 \u4fe1\u7528\u5361<\/a><ul><li class=\"\"><a href=\"#1-bsn-visa-classic-\u6216-bsn-mastercard-classic-credit-card\">1.BSN Visa Classic \u6216 BSN Mastercard Classic Credit Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u514d\u5e74\u8d39\">\u514d\u5e74\u8d39<\/a><\/li><li class=\"\"><a href=\"#\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08-finance-charges\uff09\">\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance charges\uff09<\/a><\/li><li class=\"\"><a href=\"#\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263\">\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d39\u7684bsn-zing-plus-miles\u5361\">\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<\/a><\/li><li class=\"\"><a href=\"#bsn-0-easy-pay-plan-epp\">BSN 0% EasyPay Plan (EPP)<\/a><\/li><li class=\"\"><a href=\"#bsn-easy-cash-plan\">BSN EasyCash Plan<\/a><\/li><li class=\"\"><a href=\"#bsn-instalment-pay-plan\">BSN Instalment-Pay-Plan<\/a><\/li><li class=\"\"><a href=\"#\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d-\uff08-auto-balance-conversion-programme\uff09\">\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d \uff08Auto Balance Conversion Programme\uff09<\/a><\/li><li class=\"\"><a href=\"#\u4fdd\u9669-credit-shield\">\u4fdd\u9669 Credit Shield<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d39\u7533\u8bf7\u526f\u5361\">\u514d\u8d39\u7533\u8bf7\u526f\u5361<\/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-hong-leong-bank-wise-credit-card\">2. Hong Leong Bank Wise Credit Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-1\">\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><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-2\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-3\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#3-affin-duo-affin-visa-cash-back-\u548c-affin-mastercard-rewards\">3.AFFIN DUO &#8211; AFFIN Visa Cash Back \u548c AFFIN Mastercard Rewards<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-4\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u6709\u6761\u4ef6\u514d\u5e74\u8d39\">\u6709\u6761\u4ef6\u514d\u5e74\u8d39<\/a><\/li><li class=\"\"><a href=\"#affin-duo-visa-cash-back-\u7684\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09\">AFFIN DUO Visa Cash Back \u7684\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/a><\/li><li class=\"\"><a href=\"#affin-duo-mastercard-rewards-\u7684\u79ef\u5206\">AFFIN DUO Mastercard Rewards \u7684\u79ef\u5206<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-5\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-6\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#4-hong-leong-bank-essential-card\">4.Hong Leong Bank Essential Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-7\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u6709\u6761\u4ef6\u514d\u5e74\u8d39-8\">\u6709\u6761\u4ef6\u514d\u5e74\u8d39<\/a><\/li><li class=\"\"><a href=\"#\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09-9\">\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-10\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-11\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#5-bsn-gold-credit-card\">5.BSN Gold Credit Card<\/a><ul><li class=\"\"><a href=\"#\u4f18\u60e0\u798f\u5229-12\">\u4f18\u60e0\u798f\u5229<\/a><ul><li class=\"\"><a href=\"#\u514d\u5e74\u8d39-13\">\u514d\u5e74\u8d39<\/a><\/li><li class=\"\"><a href=\"#\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08-finance-charges\uff09-14\">\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance charges\uff09<\/a><\/li><li class=\"\"><a href=\"#happy-reward-\u79ef\u5206\">Happy Reward \u79ef\u5206<\/a><\/li><li class=\"\"><a href=\"#\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263-15\">\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d39\u7684bsn-zing-plus-miles\u5361-16\">\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d39\u65c5\u884c\u4fdd\u9669\">\u514d\u8d39\u65c5\u884c\u4fdd\u9669<\/a><\/li><li class=\"\"><a href=\"#bsn-0-easy-pay-plan-epp-17\">BSN 0% EasyPay Plan (EPP)<\/a><\/li><li class=\"\"><a href=\"#bsn-easy-cash-plan-18\">BSN EasyCash Plan<\/a><\/li><li class=\"\"><a href=\"#bsn-instalment-pay-plan-19\">BSN Instalment-Pay-Plan<\/a><\/li><li class=\"\"><a href=\"#\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d-auto-balance-conversion-programme\">\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d Auto Balance Conversion Programme<\/a><\/li><li class=\"\"><a href=\"#\u4fdd\u9669-credit-shield-20\">\u4fdd\u9669 Credit Shield<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d39\u7533\u8bf7\u526f\u5361-21\">\u514d\u8d39\u7533\u8bf7\u526f\u5361<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u7533\u8bf7\u6761\u4ef6-22\">\u7533\u8bf7\u6761\u4ef6<\/a><\/li><li class=\"\"><a href=\"#\u4f18\u7f3a\u70b9\u5206\u6790-23\">\u4f18\u7f3a\u70b9\u5206\u6790<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u603b\u7ed3\">\u603b\u7ed3<\/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=\"freelancer-self-employed-\u7533\u8bf7\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u597d\u5904\uff1f\"><strong>Freelancer &amp; self-employed \u7533\u8bf7\u4fe1\u7528\u5361\u6709\u4ec0\u4e48\u597d\u5904\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u5de5\u4f5c\u6027\u8d28\u548c\u751f\u6d3b\u6a21\u5f0f\u7684\u539f\u56e0\uff0c\u5176\u5b9e\u5bf9\u4e8e\u81ea\u7531\u804c\u4e1a\u8005\u548c\u81ea\u96c7\u4eba\u58eb\u800c\u8a00\uff0c\u7533\u8bf7\u4fe1\u7528\u5361\u662f\u6709\u8bb8\u591a\u597d\u5904\u7684\u3002\u5982\u679c\u80fd\u591f\u6b63\u786e\u7684\u4f7f\u7528\u4fe1\u7528\u5361\uff0c\u4e0d\u4ec5\u4ec5\u80fd\u591f\u5e2e\u52a9\u66f4\u597d\u7684\u89c4\u5212\u8d22\u52a1\uff0c\u8fd8\u80fd\u591f\u4eab\u53d7\u5230\u4e00\u4e9b\u989d\u5916\u7684\u798f\u5229\u548c\u4fdd\u969c\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\" style=\"color:#009bff\"><strong>\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e00\u4e9b\u94f6\u884c\u5728\u6279\u51c6\u8d37\u6b3e\u65f6\u4f1a\u66f4\u52a0\u503e\u5411\u4e8e\u6709\u7a33\u5b9a\u6536\u5165\u7684\u4e0a\u73ed\u65cf\uff0c\u800c\u8fd9\u662f\u6211\u4eec\u4f5c\u4e3a\u81ea\u96c7\u4eba\u58eb\/\u81ea\u7531\u804c\u4e1a\u8005\u6700\u9ebb\u70e6\u7684\u4e00\u70b9\u3002\u56e0\u4e3a\u6211\u4eec\u6ca1\u6709\u56fa\u5b9a\u7684\u6536\u5165\u6765\u6e90\uff0c\u60f3\u8981\u63d0\u9ad8\u8d37\u6b3e\u88ab\u6279\u51c6\u7684\u8bb0\u5f55\uff0c\u6700\u597d\u7684\u529e\u6cd5\u5c31\u662f\u901a\u8fc7\u7533\u8bf7\u4fe1\u7528\u5361\uff0c\u5e76\u4e14\u6bcf\u6708\u6309\u65f6\u507f\u8fd8\u5361\u503a\uff0c\u6765\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\u3002\u5f53\u94f6\u884c\u6e05\u695a\u77e5\u9053\u6211\u4eec\u6709\u826f\u597d\u7684\u8fd8\u6b3e\u5386\u53f2\uff0c\u90a3\u4e48\u5728\u672a\u6765\u7533\u8bf7\u8d37\u6b3e\u7528\u4e8e\u4e70\u8f66\u6216\u8005\u4e70\u623f\u90fd\u80fd\u66f4\u52a0\u7b80\u5355\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7075\u6d3b\u652f\u914d\u8d44\u91d1\" style=\"color:#009bff\"><strong>\u7075\u6d3b\u652f\u914d\u8d44\u91d1<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u7684\u6536\u5165\u53ef\u80fd\u4f1a\u6709\u5f88\u5927\u7684\u6ce2\u52a8\u6027\u3002\u4e0e\u85aa\u6c34\u5de5\u4f5c\u8005\u4e0d\u540c\uff0c\u81ea\u96c7\u4eba\u58eb\u7684\u6536\u5165\u53ef\u80fd\u4f1a\u56e0\u4e1a\u52a1\u91cf\u7684\u53d8\u5316\u3001\u5ba2\u6237\u7684\u4ed8\u6b3e\u65f6\u95f4\u7b49\u56e0\u7d20\u800c\u53d1\u751f\u53d8\u5316\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u9700\u8981\u80fd\u591f\u7075\u6d3b\u5730\u7ba1\u7406\u8d44\u91d1\uff0c\u4ee5\u786e\u4fdd\u80fd\u591f\u5e94\u5bf9\u7a81\u53d1\u60c5\u51b5\u6216\u4e0d\u7a33\u5b9a\u7684\u6536\u5165\u60c5\u51b5\u3002\u800c\u62e5\u6709\u4fe1\u7528\u5361\u53ef\u4ee5\u8ba9\u4f60\u5728\u9700\u8981\u65f6\u66f4\u52a0\u7075\u6d3b\u3001\u65b9\u4fbf\u5730\u4f7f\u7528\u8d44\u91d1\uff0c\u4e0d\u4ec5\u53ef\u4ee5\u5e2e\u52a9\u6211\u4eec\u5e94\u4ed8\u65e5\u5e38\u751f\u6d3b\uff0c\u8fd8\u53ef\u4ee5\u5728\u6709\u9700\u8981\u8d2d\u4e70\u5927\u4ef6\u5546\u54c1\uff0c\u5982\uff1a\u7535\u89c6\u673a\u3001\u6d17\u8863\u673a\u3001\u7535\u8111\u7b49\u5206\u671f\u4ed8\u6b3e\uff0c\u5927\u5927\u7f13\u89e3\u7ecf\u6d4e\u538b\u529b\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u8d2d\u4e70\u4e1a\u52a1\u5fc5\u9700\u54c1\" style=\"color:#009bff\"><strong>\u8d2d\u4e70\u4e1a\u52a1\u5fc5\u9700\u54c1<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u4f7f\u7528\u4fe1\u7528\u5361\u8d2d\u4e70\u529e\u516c\u7528\u54c1\u3001\u8bbe\u5907\u6216\u5176\u4ed6\u4e1a\u52a1\u6240\u9700\u7684\u7269\u54c1\uff0c\u65e0\u9700\u73b0\u91d1\u652f\u4ed8\u3002\u7531\u4e8e\u73b0\u5728\u7f51\u8d2d\u76db\u884c\uff0c\u4fe1\u7528\u5361\u53ef\u4ee5\u4f5c\u4e3a\u8d2d\u7269\u7684\u4fdd\u969c\uff0c\u8fd9\u4e9b\u4fdd\u62a4\u673a\u5236\u80fd\u591f\u786e\u4fdd\u4ea4\u6613\u5b89\u5168\u6027\u548c\u5408\u6cd5\u6027\u3002\u5047\u8bbe\u4f60\u4ed8\u6b3e\u540e\u53d1\u73b0\u5546\u6237\u672a\u63d0\u4f9b\u6709\u5173\u670d\u52a1\u6216\u8005\u4ea4\u4ed8\u8d27\u54c1\uff0c\u5728\u8bc1\u636e\u5145\u5206\u7684\u60c5\u51b5\u4e0b\uff0c\u53ef\u4ee5\u8981\u6c42\u64a4\u9500\u6709\u5173\u7684\u4fe1\u7528\u5361\u4ea4\u6613\uff0c\u4f46\u8bf7\u6ce8\u610f\u8fd9\u9879\u63aa\u65bd\u9700\u6839\u636e\u4e0d\u540c\u4fe1\u7528\u5361\u7684\u53d1\u5361\u884c\u7684\u89c4\u5219\u4e3a\u51c6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u65b9\u4fbf\u8ffd\u8e2a\u652f\u51fa\" style=\"color:#009bff\"><strong>\u65b9\u4fbf\u8ffd\u8e2a\u652f\u51fa<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u81ea\u7531\u804c\u4e1a\u8005\u548c\u81ea\u96c7\u4eba\u58eb\u901a\u5e38\u662f\u9700\u8981\u81ea\u5df1\u53bb\u9762\u5bf9\u7e41\u7410\u7684\u8d26\u5355\u95ee\u9898\uff0c\u800c\u4fe1\u7528\u5361\u8d26\u5355\u4f1a\u8be6\u7ec6\u5217\u51fa\u4f60\u7684\u6d88\u8d39\uff0c\u5e2e\u52a9\u4f60\u66f4\u597d\u5730\u638c\u63a7\u548c\u7ba1\u7406\u5f00\u652f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4eab\u53d7\u4f18\u60e0\u548c\u5956\u52b1\" style=\"color:#009bff\"><strong>\u4eab\u53d7\u4f18\u60e0\u548c\u5956\u52b1<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8bb8\u591a\u4fe1\u7528\u5361\u516c\u53f8\u90fd\u6709\u63d0\u4f9b\u4e0d\u540c\u7684\u5956\u52b1\u8ba1\u5212\uff0c\u5305\u62ec\u8d2d\u7269\u4f18\u60e0\u3001\u79ef\u5206\u56de\u9988\u3001\u822a\u7a7a\u91cc\u7a0b\u79ef\u7d2f\u6216\u73b0\u91d1\u8fd4\u8fd8\u7b49\u5956\u52b1\uff0c\u53ef\u4ee5\u5e2e\u4f60\u5728\u65e5\u5e38\u6d88\u8d39\u4e2d\u8282\u7701\u5f00\u652f\uff0c\u5bf9\u4e8e\u81ea\u96c7\u4eba\u58eb\u6765\u8bf4\u90fd\u662f\u975e\u5e38\u68d2\u7684\u798f\u5229\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7d27\u6025\u5907\u7528\u8d44\u91d1\" style=\"color:#009bff\"><strong>\u7d27\u6025\u5907\u7528\u8d44\u91d1<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6211\u4eec\u524d\u9762\u8bf4\u8fc7\u81ea\u96c7\u4eba\u58eb\u7684\u6536\u5165\u6bd4\u8f83\u4e0d\u7a33\u5b9a\u3002\u4e00\u65e6\u53d1\u751f\u7d27\u6025\u60c5\u51b5\uff0c\u4fe1\u7528\u5361\u7684\u989d\u5ea6\u53ef\u4ee5\u4f5c\u4e3a\u5907\u7528\u8d44\u91d1\u6765\u6e90\uff0c\u4e3a\u6211\u4eec\u63d0\u4f9b\u4e00\u5b9a\u7684\u7ecf\u6d4e\u5b89\u5168\u7f51\u3002\u5bf9\u4e8e\u81ea\u96c7\u8005\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\uff0c\u662f\u80fd\u591f\u6700\u5feb\u7684\u5f97\u5230\u91d1\u878d\u652f\u63f4\u7684\u4e00\u79cd\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u8981\u51c6\u5907\u4ec0\u4e48\uff1f\"><strong>\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u8981\u51c6\u5907\u4ec0\u4e48\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u94f6\u884c\u6765\u8bf4\uff0c\u4e00\u4e2a\u4fe1\u7528\u8bb0\u5f55\u826f\u597d\u7684\u4eba\u624d\u662f\u4f18\u8d28\u5ba2\u6237\u3002\u6240\u4ee5\u4f5c\u4e3a\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\uff0c\u6ce8\u518c\u81ea\u5df1\u7684\u670d\u52a1\u4f5c\u4e3a\u4e00\u4e2a\u4e00\u4eba\u516c\u53f8\uff0c\u6709\u5b8c\u6574\u7684\u4ea4\u6613\u6d41\u6c34\u8bb0\u5f55\uff0c\u80fd\u591f\u66f4\u597d\u7684\u8ba9\u94f6\u884c\u8fa8\u8ba4\u51fa\u4f60\u7684\u6536\u5165\u6765\u6e90\u4ee5\u53ca\u6536\u5165\u7684\u591a\u5be1\u3002\u800c\u6536\u5165\u7684\u9ad8\u4f4e\u5b9e\u9645\u4e0a\u51b3\u5b9a\u4e86\u6211\u4eec\u53ef\u4ee5\u7533\u8bf7\u5230\u51e0\u5f20\u4fe1\u7528\u5361\uff0c\u53ef\u4ee5\u7533\u8bf7\u54ea\u4e9b\u4fe1\u7528\u5361\u7684\u95e8\u69db\u8fd8\u6709\u80fd\u591f\u5f97\u5230\u591a\u5c11\u7684\u4fe1\u7528\u989d\u5ea6\uff08Credit Limit\uff09\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.orientaldaily.com.my\/news\/nation\/2022\/03\/29\/477043\" target=\"_blank\" rel=\"noopener\">\u56fd\u5bb6\u94f6\u884c\u89c4\u5b9a<\/a>\u53ea\u6709\u5e74\u6536\u5165\u8fbe\u5230 RM 24,000\u7684\u4eba\u624d\u80fd\u7533\u8bf7\u4fe1\u7528\u5361\u3002\u5e76\u4e14\uff0c\u5982\u679c\u6211\u4eec\u7684\u6708\u6536\u5165\u5c11\u4e8e RM 3,000\uff0c\u6700\u591a\u53ea\u80fd\u6301\u67092\u5f20\u4fe1\u7528\u5361\uff0c\u800c\u4e14\u4fe1\u7528\u5361\u989d\u5ea6\u8fd8\u4e0d\u80fd\u8d85\u8fc7\u6708\u6536\u5165\u76842\u500d\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u7533\u8bf7\u4fe1\u7528\u5361\u6240\u9700\u8981\u51c6\u5907\u7684\u6587\u4ef6\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8eab\u4efd\u8bc1\u6b63\u53cd\u9762\u526f\u672c<\/li>\n\n\n\n<li>\u6700\u8fd16\u4e2a\u6708\u7684\u516c\u53f8\u94f6\u884c\u5bf9\u8d26\u5355<\/li>\n\n\n\n<li>\u62a5\u7a0e\u8bb0\u5f55\uff08BE Form\u6216B Form\uff0c\u7eb3\u7a0e\u6536\u636e\uff09<\/li>\n\n\n\n<li>\u7531SuruhanJaya Syarikat Malaysia\uff08SSM\uff09\u7b7e\u53d1\u7684Form A (\u72ec\u8d44\u4f01\u4e1a) \/ Form B (\u5408\u4f19\u516c\u53f8) \/ Form 9, 24 &amp; 49 (\u516c\u53f8)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u4e9b\u51c6\u5907\u597d\u540e\uff0c\u53ef\u4ee5\u9009\u62e9\u73b0\u573a\u5230\u81ea\u5df1\u60f3\u8981\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u94f6\u884c\u5904\u7406\uff0c\u6216\u8005\u662f\u7531\u94f6\u884c\u7684\u4fe1\u7528\u5361\u7ecf\u7eaa\u4eba\u534f\u52a9\u7533\u8bf7\uff0c\u76ee\u524d\u4e5f\u6709\u4e00\u4e9b\u7f51\u7ad9\u80fd\u591f\u5728\u7f51\u7ad9\u4e0a\u63d0\u4ea4\u8d44\u6599\u7528\u4e8e\u7533\u8bf7\u4e86\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u8bf7\u6ce8\u610f\uff0c\u7533\u8bf7\u671f\u95f4\u662f\u4e0d\u9700\u8981\u63d0\u4ea4\u4efb\u4f55\u8d39\u7528\u7684\uff0c\u5207\u52ff\u8e29\u5165\u4e00\u4e9b\u8bc8\u9a97\u7684\u9677\u9631\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u9002\u5408\u4ec0\u4e48\u4fe1\u7528\u5361\uff1f\"><strong>\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u9002\u5408\u4ec0\u4e48\u4fe1\u7528\u5361\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\uff0c\u7531\u4e8e\u5de5\u4f5c\u6a21\u5f0f\u7684\u4e0d\u540c\uff0c\u4e00\u822c\u6765\u8bf4\u6536\u5165\u662f\u4e0d\u56fa\u5b9a\u7684\u3002\u56e0\u6b64\u5728\u9009\u62e9\u4fe1\u7528\u5361\u4e0a\u5c3d\u53ef\u80fd\u7684\u80fd\u7701\u5219\u7701\u3002\u6240\u4ee5\u514d\u5e74\u8d39\uff08no annual fee\uff09\u7684\u4fe1\u7528\u5361\u6216\u8005\u662f\u5e74\u5229\u606f\uff08finance charge\uff09\u8f83\u4f4e\u7684\u4fe1\u7528\u5361\u4f1a\u66f4\u4e3a\u5408\u9002\u3002<\/p>\n\n\n\n<p>\u63a8\u8350\u9605\u8bfb\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/malaysia-top-5-no-annual-fee-credit-cards\/\">\u9a6c\u6765\u897f\u4e9a\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u63a8\u8350\uff1a 5 \u5f20 no annual fee credit card<\/a>&nbsp;<\/p>\n\n\n\n<p>\u7136\u800c\u8bb8\u591a\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\uff0c\u6700\u5927\u7684\u75db\u70b9\u5c31\u662f\u6ca1\u6709\u529e\u6cd5\u63d0\u4f9b\u81ea\u5df1\u7684\u6536\u5165\u8bc1\u660e\uff0c\u6bd5\u7adf\u6211\u4eec\u6ca1\u6709\u56fa\u5b9a\u7684\u85aa\u8d44\u5355\u3002\u800c\u8fd9\u6837\u7684\u60c5\u51b5\u4e0b\u96be\u9053\u5c31\u6ca1\u6709\u529e\u6cd5\u63d0\u51fa\u7533\u8bf7\u4e86\u5417\uff1f<\/p>\n\n\n\n<p>\u5f53\u7136\u4e0d\u662f\u3002\u4f60\u53ef\u4ee5\u7533\u8bf7\u4f7f\u7528<a href=\"https:\/\/valueinmind.co\/zh\/malaysia-fixed-deposit-fd-best-rate\/\">\u5b9a\u671f\u5b58\u6b3e\uff08Fixed deposit\uff09<\/a>\u6765\u62c5\u4fdd\u4fe1\u7528\u5361\u7533\u8bf7\uff08pledge credit card\uff09\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4ec0\u4e48\u662f-fd-pledge-secured-credit-card\uff1f\"><strong>\u4ec0\u4e48\u662f FD Pledge \/ Secured Credit Card\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>FD Pledge \/ Secured Credit Card \u987e\u540d\u601d\u4e49\u5c31\u662f\u4f7f\u7528\u5b9a\u671f\u5b58\u6b3e\uff08Fixed deposit\uff09\u6765\u62c5\u4fdd\u4fe1\u7528\u5361\u7533\u8bf7\uff08pledge credit card\uff09\uff0c\u662f\u4e00\u79cd\u76f8\u5bf9\u5c11\u6570\u4eba\u77e5\u9053\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u53ef\u4ee5\u5728\u60f3\u8981\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u94f6\u884c\u5185\u5b58\u5165\u89c4\u5b9a\u6570\u989d\u7684\u5b9a\u5b58\uff0c\u5c31\u80fd\u591f\u7528\u6765\u63d0\u9ad8\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u673a\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fd-pledge-secured-credit-card-\u7684\u597d\u5904\"><strong>FD Pledge \/ Secured Credit Card \u7684\u597d\u5904<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u7533\u8bf7\u95e8\u69db\u4f4e\" style=\"color:#009bff\"><strong>1.\u7533\u8bf7\u95e8\u69db\u4f4e<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u7f3a\u4e4f\u6536\u5165\u8bc1\u660e\uff0c\u90a3\u4e48\u4e00\u9876\u9876\u8981\u8bd5\u8bd5\u770b\u7533\u8bf7 FD Pledge \/ Secured Credit Card\u3002\u56e0\u4e3a\u5b9a\u5b58\u62c5\u4fdd\u4fe1\u7528\u5361\u7684\u65b9\u5f0f\u6700\u5173\u952e\u7684\u7279\u70b9\u5c31\u662f\u5b8c\u5168\u4e0d\u7528\u4efb\u4f55\u85aa\u6c34\u8bc1\u660e\uff0c\u4e5f\u4e0d\u9700\u8981\u8fbe\u5230\u4e00\u5b9a\u7684\u6536\u5165\u95e8\u69db\uff0c\u94f6\u884c\u66f4\u4e0d\u4f1a\u770b\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\uff08CCRIS\/CTOS\uff09\u5c31\u80fd\u7533\u8bf7\u3002\u4f60\u65e0\u9700\u62c5\u5fc3\u63d0\u4f9b\u4e0d\u4e86\u8bb8\u591a\u76f8\u5173\u7684\u6587\u4ef6\uff0c\u53ea\u9700\u8981\u63d0\u4f9b\u5c11\u91cf\u7684\u6587\u4ef6\u5c31\u597d\uff0c\u662f\u76f8\u5bf9\u53cb\u5584\u7684\u7533\u8bf7\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fd-pledge-secured-credit-card-\u7684\u574f\u5904\"><strong>FD Pledge \/ Secured Credit Card \u7684\u574f\u5904<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u867d\u7136\u5bf9\u4e8e\u81ea\u96c7\u4eba\u58eb\u548c\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\u597d\u5904\u975e\u5e38\u660e\u663e\uff0c\u7136\u800c\u8fd9\u4e2a\u65b9\u6cd5\u7684\u4e5f\u6709\u51e0\u4e2a\u6bd4\u8f83\u9700\u8981\u6ce8\u610f\u7684\u574f\u5904\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-\u62b5\u62bc\u98ce\u9669\" style=\"color:#009bff\"><strong>1.\u62b5\u62bc\u98ce\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7531\u4e8e\u4f7f\u7528\u4f7f\u7528\u5b9a\u671f\u5b58\u6b3e\uff08Fixed deposit\uff09\u6765\u62c5\u4fdd\u4fe1\u7528\u5361\u7533\u8bf7\uff08pledge credit card\uff09\uff0c\u4f60\u5fc5\u987b\u62b5\u62bc\u4e00\u7b14\u5b9a\u671f\u5b58\u6b3e\u4f5c\u4e3a\u62c5\u4fdd\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u65e0\u6cd5\u5728\u89c4\u5b9a\u65f6\u95f4\u5185\u8fd8\u6e05\u4f7f\u7528\u4fe1\u7528\u5361\u7684\u8d26\u5355\uff0c\u4f60\u7684\u5b58\u6b3e\u6709\u673a\u4f1a\u88ab\u62b5\u62bc\u3002\u6240\u4ee5\uff0c\u52a1\u5fc5\u8981\u5728\u4f7f\u7528\u524d\u4ed4\u7ec6\u8003\u8651\u8fd9\u4e00\u70b9\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-\u4fe1\u7528\u5361\u989d\u5ea6\u53d6\u51b3\u4e8e\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u91d1\u989d\" style=\"color:#009bff\"><strong>2.\u4fe1\u7528\u5361\u989d\u5ea6\u53d6\u51b3\u4e8e\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u91d1\u989d<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u7b2c\u4e8c\u70b9\u5219\u662f\u4fe1\u7528\u5361\u989d\u5ea6\uff08Credit Limit\uff09\u7684\u989d\u5ea6\u95ee\u9898\u3002\u8fd9\u79cd\u65b9\u6cd5\u4ee3\u8868\u7740\u4f60\u5b58\u591a\u5c11\u8fdb\u5b9a\u671f\u5b58\u6b3e\uff0c\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u5c31\u662f\u591a\u5c11\uff0c\u4e00\u822c\u6765\u8bf4\u94f6\u884c\u90fd\u4f1a\u4f7f\u75281:1\u7684\u914d\u6bd4\u3002\u6709\u4e9b\u94f6\u884c\u751a\u81f3\u4ec5\u4ec5\u5c06\u4f60\u7684\u5b9a\u671f\u5b58\u6b3e\u7684 80%\u5230100% \u4f5c\u4e3a\u4fe1\u7528\u989d\u5ea6\uff0c\u4f38\u7f29\u6027\u4f1a\u76f8\u5bf9\u8f83\u4f4e\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-\u989d\u5916\u8d39\u7528\" style=\"color:#009bff\"><strong>3.\u989d\u5916\u8d39\u7528<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6700\u540e\uff0c\u7531\u4e8e\u80fd\u591f\u9009\u62e9\u7684\u4e0d\u591a\uff0c\u6709\u4e00\u4e9b\u94f6\u884c\u7684\u5b9a\u5b58\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u6bd4\u5982 BSN Visa Classic \u6216 BSN Mastercard Classic Credit Card\uff0c\u53ef\u80fd\u4f1a\u5bf9\u6bcf\u63d0\u4f9b RM 1,000 \u7684\u4fe1\u7528\u989d\u5ea6\u6536\u53d6RM 5\u7684\u8d39\u7528\uff0c\u8fd9\u4e9b\u989d\u5916\u7684\u8d39\u7528\u4e5f\u662f\u4f7f\u7528\u8fd9\u4e2a\u65b9\u6cd5\u6240\u9700\u8981\u9762\u5bf9\u7684\u60c5\u51b5\u3002<\/p>\n\n\n\n<p>\u5f53\u7136\uff0c\u8fd9\u5e76\u4e0d\u662f\u8bf4\u5b9a\u5b58\u62c5\u4fdd\u4fe1\u7528\u5361\u4e00\u5b9a\u4e0d\u597d\uff0c\u53ea\u662f\u5728\u4f7f\u7528\u524d\u9700\u8981\u5168\u9762\u4e86\u89e3\uff0c\u786e\u4fdd\u81ea\u5df1\u7684\u51b3\u7b56\u662f\u7b26\u5408\u5f53\u4e0b\u60c5\u51b5\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u63a8\u8350\u9002\u5408-freelancer-self-employed-\u7684-top-5-\u4fe1\u7528\u5361\"><strong>\u63a8\u8350\u9002\u5408 Freelancer &amp; self-employed \u7684 TOP 5 \u4fe1\u7528\u5361<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u867d\u7136\u5927\u90e8\u5206\u94f6\u884c\u90fd\u6709\u63d0\u4f9b FD Pledge Credit Card \u7684\u8fd9\u4e2a\u7533\u8bf7\u4f18\u60e0\uff0c\u4f46\u6709\u4e9b\u662f\u6ca1\u6709\u5728\u7f51\u4e0a\u6709\u76f8\u5173\u8d44\u6599\u8bf4\u660e\u7684\uff0c\u6240\u4ee5\u6211\u4eec\u9700\u8981\u4eb2\u81ea\u5230\u94f6\u884c\u548c banker \u534f\u5546\u3002\u4ef7\u503c\u601d\u7ef4\u5c31\u5e2e\u5927\u5bb6\u4ece\u5404\u4e2a\u94f6\u884c\u5b98\u7f51\u4e0a\u6574\u7406\u4e865\u4e2a\u786e\u5b9a\u53ef\u4ee5\u62b5\u62bc FD \u7684\u4fe1\u7528\u5361\uff0c\u800c\u4e14\u6536\u5165\u95e8\u69db\u90fd\u6bd4\u8f83\u4f4e\uff0c\u4ecb\u4e8e RM 2,000 &#8211; RM3,000 \u6708\u6536\u5165\u7684\u4eba\u90fd\u53ef\u4ee5\u7533\u8bf7\u7684\u4ee5\u53ca\u76f8\u5173\u7684\u798f\u5229\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"1-bsn-visa-classic-\u6216-bsn-mastercard-classic-credit-card\" style=\"color:#009bff\"><strong>1.BSN Visa Classic \u6216 BSN Mastercard Classic 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 fetchpriority=\"high\" decoding=\"async\" width=\"610\" height=\"409\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.34.56-removebg-preview.webp\" alt=\"BSN VISA Classic or Mastercard Classic Credit Card\" class=\"wp-image-50583\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.34.56-removebg-preview.webp 610w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.34.56-removebg-preview-300x201.webp 300w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/><figcaption class=\"wp-element-caption\">BSN credit card review<\/figcaption><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a> \u662f\u4e00\u5f20\u5177\u6709\u5404\u79cd\u798f\u5229\u7684\u4fe1\u7528\u5361\u9009\u62e9\u3002\u4e0b\u9762\u4e3a\u5927\u5bb6\u6574\u7406\u8fd9\u5f20\u4fe1\u7528\u5361\u7684\u5177\u4f53\u798f\u5229\u4f18\u60e0 \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\" id=\"\u514d\u5e74\u8d39\"><strong>\u514d\u5e74\u8d39<\/strong><\/h5>\n\n\n\n<p><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a> \u662f\u5b8c\u5168\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\u9009\u9879\uff0c\u65e0\u9700\u81f4\u7535\u5230\u94f6\u884c\u7533\u8bf7\u514d\u9664\uff0c\u53ef\u4ee5\u7701\u4e0b\u8bb8\u591a\u9ebb\u70e6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08-finance-charges\uff09\"><strong>\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance charges\uff09<\/strong><\/h5>\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\uff0c\u73b0\u91d1\u9884\u652f\uff08Cash Advance\uff09\u7b49\u7b49\u3002<\/p>\n\n\n\n<p>\u5728\u4f7f\u7528\u4fe1\u7528\u5361\u540e\uff0c\u5982\u679c\u6ca1\u6709\u53ca\u65f6\u8fd8\u6e05\uff0c\u53ea\u4ed8\u4e86\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0c\u5c31\u4f1a\u4ea7\u751f\u5176\u4ed6\u7684\u8d22\u52a1\u8d39\uff08finance charges\uff09\uff0c\u800c\u62e5\u6709BSN\u7684\u8fd9\u5f20\u4fe1\u7528\u5361\u7684\u60c5\u51b5\u4e0b\uff0c\u53ea\u9700\u5728\u8fde\u7eed12\u4e2a\u6708\u5185\u6309\u65f6\u7ed3\u6e05\u81f3\u5c11\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0c\u5373\u53ef\u4eab\u53d7\u4f4e\u5e74\u5229\u738711%\uff08\u9002\u7528\u4e8e\u653f\u5e9c\u96c7\u5458\uff09\u548c13.5%\uff08\u9002\u7528\u4e8e\u79c1\u4eba\u516c\u53f8\uff09\u3002\u5bf9\u6bd4\u5e38\u89c1\u7684 15-18%\u7684\u5229\u606f\u662f\u76f8\u5bf9\u8f83\u4f4e\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Happy Reward \u79ef\u5206<\/strong><\/p>\n\n\n\n<p>\u6bcf\u5237 RM 1\uff0c\u90fd\u53ef\u4ee5\u5728\u672c\u5730\u96f6\u552e\u6d88\u8d39\u4e0a\u83b7\u5f971\u4e2a\u5956\u52b1\u79ef\u5206\uff0c\u800c\u5728\u6d77\u5916\u96f6\u552e\u6d88\u8d39\u4e0a\u5219\u80fd\u591f\u83b7\u5f972\u4e2a\u5956\u52b1\u79ef\u5206\u3002\u7d2f\u79ef\u8fd9\u4e9b Happy Rewards \u79ef\u5206\u53ef\u4ee5\u5151\u6362\u793c\u54c1\uff0c\u5305\u62ec\uff1a\u5c0f\u5de5\u5177\u3001\u793c\u5238\u3001\u5bb6\u7528\u7535\u5668\u3001\u513f\u7ae5\u3001\u65c5\u884c\u7b49\u7b49\uff01<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u6d88\u8d39\u79ef\u5206<\/strong><\/td><td><strong>\u6d88\u8d39\u7c7b\u578b<\/strong><\/td><\/tr><tr><td>\u6bcf RM 1 \u79ef\u7d2f1\u5206<\/td><td>\u672c\u5730\u6d88\u8d39<\/td><\/tr><tr><td>\u6bcf RM 1 \u79ef\u7d2f2\u5206<\/td><td>\u6d77\u5916\u6d88\u8d39<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0cHappy Points \u5c06\u57283\u5e74\u540e\u8fc7\u671f\u3002\u6240\u4ee5\uff0c\u63d0\u9192\u4f60\u8bb0\u5f97\u53ca\u65f6\u5151\u6362\u4f60\u7684\u5956\u52b1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263\"><strong>\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<\/strong><\/h5>\n\n\n\n<p>\u4e0d\u4ec5\u5982\u6b64\uff0c\u5728\u6307\u5b9a\u5546\u5bb6\u4eab\u53d7\u7528\u9910\u3001\u8d2d\u7269\u4ee5\u53ca\u65c5\u884c\u798f\u5229\u7684\u7279\u522b\u6298\u6263\u548c\u4f18\u60e0\uff0c\u4f8b\u5982Mydin\uff0cGSC\uff0cPetron\u7b49\u7b49\u3002\u60f3\u8981\u4e86\u89e3\u6700\u65b0\u7684\u4fc3\u9500\u548c\u4f18\u60e0\uff0c\u8bf7\u8bbf\u95ee<a href=\"https:\/\/www.bsn.com.my\/page\/credit-card-promotions\" target=\"_blank\" rel=\"noopener\">\u5b98\u65b9\u7f51\u9875<\/a>\u7684\u66f4\u65b0\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u8d39\u7684bsn-zing-plus-miles\u5361\"><strong>\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<\/strong><\/h5>\n\n\n\n<p>\u6b64\u5916\uff0c<a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a> \u662f\u514d\u5e74\u8d39\u7684\uff0c\u540c\u65f6\u4f60\u8fd8\u4f1a\u83b7\u5f97\u4e00\u5f20\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e0e\u4f60\u7684BSN\u4fe1\u7528\u5361\u5173\u8054\u7684Touch &#8216;n Go\u81ea\u52a8\u5145\u503c\u5361\uff0c\u53ef\u4eab\u53d7\u8fc7\u8def\u8d39\u56de\u6263\u548c\u6298\u6263\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5728PLUS\u3001ELITE\u3001BKE\u548cLINKEDUA\u9ad8\u901f\u516c\u8def\u6bcf\u6708\u4f7f\u7528RM100.00\u53ca\u4ee5\u4e0a\u53ef\u83b7\u5f975%\u7684\u8fc7\u8def\u8d39\u56de\u6263<\/li>\n\n\n\n<li>\u5728\u53c2\u4e0e\u7684PLUSMiles\u5546\u6237\u5904\u6700\u9ad8\u53ef\u4eab\u53d730%\u7684\u6298\u6263<\/li>\n\n\n\n<li>\u6bcf\u6d88\u8d39RM1\u53ef\u83b7\u5f971\u4e2aPLUSMiles\u70b9<\/li>\n\n\n\n<li>\u5728\u5145\u503cBSN Zing PLUSMiles\u5361\u65f6\uff0c\u6bcfRM1\u53ef\u83b7\u5f97BSN Happy Reward Points\uff081\u500d\u5956\u52b1\u70b9\uff09<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-0-easy-pay-plan-epp\"><strong>BSN 0% EasyPay Plan (EPP)<\/strong><\/h5>\n\n\n\n<p>\u901a\u8fc7 BSN \u76840% EasyPay Plan\uff0c\u5728\u76f8\u5173\u5546\u5bb6\u8d2d\u4e70\u7684\u4ea7\u54c1\u53ef\u4ee5\u57283\u523036\u4e2a\u6708\u7684\u8fd8\u6b3e\u671f\u5185\u96f6\u5229\u606f\u5730\u6309\u6708\u5206\u671f\u507f\u8fd8\u6240\u6b20\u6b3e\u9879\u3002\u800c\u5bf9\u4e8e\u975e\u53c2\u4e0e\u7684\u5546\u6237\uff0c\u4f60\u7684\u6708\u4ed8\u6b3e\u989d\u4e5f\u662f\u514d\u606f\u7684\uff0c\u4f46\u9700\u8981\u4e00\u6b21\u6027\u652f\u4ed8\u4f4e\u81f33%\u7684\u5e74\u8d39\u3002\u6700\u4f4e\u8d2d\u7269\u989d\u5c06\u53d6\u51b3\u4e8e\u5206\u671f\u671f\u9650\uff0c\u81f3\u5c11\u9700\u8981RM500\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u8fd8\u6b3e\u671f\u9650<\/td><td>\u5229\u7387<\/td><td>\u6700\u4f4e\u6d88\u8d39\u91d1\u989d<\/td><\/tr><tr><td>6\u4e2a\u6708<\/td><td>0% p.a.\u4e14\u65e0\u4e00\u6b21\u6027\u524d\u671f\u624b\u7eed\u8d39<\/td><td>RM 500<\/td><\/tr><tr><td>36\u4e2a\u6708<\/td><td>0% p.a.\u4e14\u65e0\u4e00\u6b21\u6027\u524d\u671f\u624b\u7eed\u8d39<\/td><td>RM 500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-easy-cash-plan\"><strong>BSN EasyCash Plan<\/strong><\/h5>\n\n\n\n<p>\u4eba\u96be\u514d\u4f1a\u6709\u7d27\u6025\u9700\u8981\u7528\u5230\u73b0\u91d1\u7684\u65f6\u5019\u3002\u9664\u4e86\u548c\u670b\u53cb\u501f\u94b1\uff0c\u8fd8\u6709\u4e00\u4e2a\u529e\u6cd5\u5c31\u662f\u901a\u8fc7 BSN EasyCash Plan\uff0c\u53ef\u4ee5\u4ee50%\u7684\u7ba1\u7406\u8d39\u4eceBSN\u4fe1\u7528\u5361\u4e2d\u63d0\u53d6\u73b0\u91d1\uff0c\u6216\u9009\u62e9\u591a\u79cd\u7075\u6d3b\u7684\u8ba1\u5212\uff0c\u4eab\u53d7\u6781\u4f4e\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u8be6\u60c5\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>EasyCash Plan<\/td><td>\u507f\u8fd8\u65f6\u9650<\/td><td>EasyCash \u5229\u7387(% \u5e74\u5316\u7387)<\/td><td>\u6279\u51c6\u91d1\u989d\u7684\u4e00\u6b21\u6027\u53d6\u73b0\u8d39\uff08%\uff09<\/td><td>\u6700\u4f4e\u53d6\u73b0\u91d1\u989d\uff08RM\uff09<\/td><\/tr><tr><td>AA<\/td><td>6 \u4e2a\u6708<\/td><td>0%<\/td><td>1.99%<\/td><td>500<\/td><\/tr><tr><td>AB<\/td><td>12 \u4e2a\u6708<\/td><td>0%<\/td><td>3.99%<\/td><td>500<\/td><\/tr><tr><td>AC<\/td><td>24 \u4e2a\u6708<\/td><td>3.99%<\/td><td>&#8211;<\/td><td>1000<\/td><\/tr><tr><td>AD<\/td><td>36 \u4e2a\u6708<\/td><td>3.99%<\/td><td>&#8211;<\/td><td>2000<\/td><\/tr><tr><td>AE<\/td><td>48 \u4e2a\u6708<\/td><td>4.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><tr><td>AF<\/td><td>60 \u4e2a\u6708<\/td><td>5.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><tr><td>AG<\/td><td>72 \u4e2a\u6708<\/td><td>5.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-instalment-pay-plan\"><strong>BSN Instalment-Pay-Plan<\/strong><\/h5>\n\n\n\n<p>\u53ea\u8981\u4f60\u7684\u5355\u7b14\u6d88\u8d39\u91d1\u989d\u8d85\u8fc7 RM500\uff0c\u4f60\u53ea\u9700\u8981\u4ed8\u51fa\u4e00\u6b21\u6027\u7684\u524d\u671f\u8d39\u7528\uff0c\u5c31\u53ef\u4ee5\u9009\u62e96\u300112\u621624\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u4eab\u53d70%\u5229\u606f\uff0c\u53ef\u4ee5\u7528\u6765\u8d2d\u4e70\u5982\u6c7d\u8f66\u914d\u4ef6\u3001\u7535\u8111\u3001\u6559\u80b2\u3001\u7535\u5b50\u548c\u7535\u5668\u8bbe\u5907\u3001\u5149\u5b66\u3001\u7f8e\u5bb9\u548c\u5065\u5eb7\u4ea7\u54c1\u3001\u5bb6\u5c45\u7528\u54c1\u3001\u4fdd\u9669\u3001\u73e0\u5b9d\u3001\u65c5\u884c\u548c\u5a31\u4e50\u3001\u624b\u8868\u7b49\u7b49\u3002<\/p>\n\n\n\n<p>\u5206\u671f\u8be6\u60c5\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u6700\u4f4e\u6d88\u8d39 (RM)<\/td><td>\u5206\u671f (\u6708)<\/td><\/tr><tr><td>500 &#8211; 999<\/td><td>6<\/td><\/tr><tr><td>1,000 \u2013 1,999<\/td><td>6 \u6216 12<\/td><\/tr><tr><td>2,000 \u4ee5\u4e0a<\/td><td>6, 12 \u6216 24<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u800c\u7533\u8bf7\u524d\u7684\u4e00\u6b21\u6027\u8d39\u7528\u662f\u53d6\u51b3\u4e8e\u5206\u671f\u7684\u957f\u77ed\uff0c\u957f\u8fbe6\u4e2a\u6708\u7684\u507f\u8fd8\u5206\u671f\u7684\u8bdd\u524d\u671f\u8d39\u7528\u4e3a3%\uff0c12\u4e2a\u6708\u7684\u662f4%\uff0c24\u4e2a\u6708\u7684\u5219\u662f5%\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d-\uff08-auto-balance-conversion-programme\uff09\"><strong>\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d \uff08Auto Balance Conversion Programme\uff09<\/strong><\/h5>\n\n\n\n<p>\u5982\u679c\u8d22\u52a1\u5403\u7d27\uff0c\u9700\u8981\u4e00\u4e9b\u7f13\u548c\u7a7a\u95f4\uff0c\u4f60\u7684\u672a\u507f\u4fe1\u7528\u5361\u4f59\u989d\u5c06\u88ab\u8f6c\u6362\u4e3a36\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u800cBSN \u7684 Auto Balance Conversion Programme \u7684\u6700\u4f4e\u5229\u7387\u662f 13% \u6bcf\u5e74\uff0c\u5bf9\u6bd4\u5e38\u89c1\u7684 15% &#8211; 18% \u5e74\u5316\u7684\u4fe1\u7528\u5361\u5229\u7387\u66f4\u4e3a\u4f18\u60e0\u3002\u800c\u4e14\u4f60\u4e5f\u65e0\u9700\u9ebb\u70e6\u7684\u7533\u8bf7\u8f6c\u5316\uff0c\u5728\u6ee1\u8db3\u8d44\u683c\u6807\u51c6\uff08\u5e74\u5ea6\u8bc4\u4f30\uff09\u540e\uff0c\u4f60\u7684\u672a\u507f\u5bf9\u8d26\u5355\u4f59\u989d\u4f1a\u88ab\u81ea\u52a8\u8f6c\u6362\u3002\u82e5\u4f60\u60f3\u8981\u63d0\u524d\u7ed3\u6e05\u4f60\u7684\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u4e5f\u65e0\u9700\u989d\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u4fdd\u9669-credit-shield\"><strong>\u4fdd\u9669 Credit Shield<\/strong><\/h5>\n\n\n\n<p>\u5982\u679c\u4f60\u9762\u5bf9\u6b7b\u4ea1\u6216\u5168\u6b8b\uff08TPD\uff09\u7684\u60c5\u51b5\u4e0b\uff0cBSN\u4f1a\u81ea\u52a8\u4e3a\u4f60\u652f\u4ed8\u4f60\u7684\u4fe1\u7528\u5361\u672a\u507f\u8fd8\u4f59\u989d\uff0c\u6700\u9ad8\u53ef\u8fbe RM100,000\u3002\u6709\u4e86\u8fd9\u4e2a\u8ba1\u5212\uff0c\u4e07\u4e00\u81ea\u5df1\u6709\u4ec0\u4e48\u4e09\u957f\u4e24\u77ed\u7684\uff0c\u4e5f\u65e0\u9700\u62c5\u5fc3\u5bb6\u4eba\u4f1a\u53d7\u5230\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e2a\u4fdd\u9669\u7684\u8fd0\u4f5c\u65b9\u5f0f\u5982\u4e0b\uff1a<br>\u6bcf RM100 \u7684\u4fe1\u7528\u5361\u4f59\u989d\u90fd\u4f1a\u652f\u4ed8 RM0.30\uff0c\u5c31\u80fd\u591f\u4eab\u6709\u8fd9\u4e2a\u4fdd\u9669\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u7684\u672a\u507f\u672c\u91d1\u4f59\u989d\u4e3aRM1,000\uff0c\u90a3\u4e48\u5f53\u6708\u7684\u4fdd\u8d39\u5c06\u4e3a3\u4ee4\u5409\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f60\u7684\u672c\u6708\u8d26\u5355\u4e3a\u96f6\uff0c\u5c31\u4e0d\u9700\u6536\u53d6\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\u5982\u679c\u4f60\u6bcf\u6708\u989d\u5916\u652f\u4ed8 RM6\uff0c\u8fd8\u53ef\u4eab\u6709\u9ad8\u8fbe RM3000 \u7684\u4e27\u846c\u798f\u5229\uff0c\u4ee5\u5e2e\u52a9\u51cf\u8f7b\u53bb\u4e16\u540e\u7684\u846c\u793c\u8d39\u7528\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u8d39\u7533\u8bf7\u526f\u5361\"><strong>\u514d\u8d39\u7533\u8bf7\u526f\u5361<\/strong><\/h5>\n\n\n\n<p>\u800c\u4e14\u62e5\u6709\u8fd9\u5f20\u5361\u7684\u60c5\u51b5\u4e0b\uff0c\u65e0\u9700\u7f34\u4ed8\u989d\u5916\u8d39\u7528\uff0c\u5c31\u53ef\u4ee5\u4e3a\u4f60\u7684\u5bb6\u4eba\u7533\u8bf7\u526f\u5361\uff0c\u5171\u540c\u4eab\u6709\u4fe1\u7528\u5361\u6240\u63d0\u4f9b\u7684\u597d\u5904\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<br>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<br>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa RM 2,000<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u6536\u5165\u8bc1\u660e\u7684\u66ff\u4ee3\uff0c\u4f60\u53ef\u4ee5\u900f\u8fc7\u8d28\u62bc\u7684Sijil Simpanan Premium\uff08SSP\uff09\u6216BSN\u5b9a\u671f\u5b58\u6b3e\u6765\u7533\u8bf7\u4fe1\u7528\u5361\u3002<br>BSN\u6700\u4f4e\u8d28\u62bc\u91d1\u4e3a RM4,000\uff0c\u6839\u636e\u5361\u7c7b\u578b\u53ef\u80fd\u4f1a\u6709\u6240\u53d8\u5316\u3002\u7533\u8bf7\u7ecf\u8fc7\u6279\u51c6\u540e\uff0c\u94f6\u884c\u5c06\u81ea\u884c\u51b3\u5b9a\u6279\u51c6\u7684\u4fe1\u7528\u989d\u5ea6\u3002<br>\u6bcfRM1,000\u6279\u51c6\u7684\u4fe1\u7528\u989d\u5ea6\u5c06\u5f81\u6536RM5\u7684\u5370\u82b1\u7a0e\uff0c\u5e76\u8ba1\u5165\u60a8\u7684\u4fe1\u7528\u5361\u8d26\u6237\u3002<\/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><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a> \u867d\u7136\u529f\u80fd\u4e0d\u591a\uff0c\u53ef\u4ee5\u6d88\u8d39\u7d2f\u8ba1\u79ef\u5206\uff0c\u4ee5\u53ca\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263\uff0c\u867d\u7136\u6ca1\u6709\u7279\u522b\u8ba9\u4eba\u773c\u524d\u4e00\u4eae\u7684\u529f\u80fd\uff0c\u4f46\u662f\u8fd9\u662f\u4e00\u4e2a\u975e\u5e38\u9002\u5408\u4f5c\u4e3a\u7d27\u6025\u4f7f\u7528\u7684\u4fe1\u7528\u5361\u7c7b\u578b\u3002<\/p>\n\n\n\n<p>\u5b83\u6700\u660e\u663e\u7684\u4f18\u52bf\u5c31\u662f\u4ed60%\u7684\u5206\u671f\u4ed8\u6b3e\u914d\u5957\uff0c\u91cd\u70b9\u662f\u8fd8\u6ca1\u6709\u5c40\u9650\u4e8e\u7279\u5b9a\u5546\u5bb6\u3002\u5982\u679c\u662f\u6709\u7d27\u6025\u4e8b\u4ef6\u9700\u8981\u4e00\u7b14\u8f83\u5927\u7684\u6d88\u8d39\u5f00\u9500\u7684\u8bdd\uff0c\u8fd9\u5f20\u4fe1\u7528\u5361\u5c31\u80fd\u591f\u6d3e\u4e0a\u7528\u573a\u4e86\u3002\u6b64\u5916\uff0c\u5b83\u7684\u526f\u5361\u7533\u8bf7\u662f\u514d\u8d39\u7684\uff0c\u53ef\u4ee5\u8ba9\u5bb6\u4eba\u4e5f\u80fd\u900f\u8fc7\u6d88\u8d39\u79ef\u7d2f\u79ef\u5206\u3002<\/p>\n\n\n\n<p>\u5c24\u5176\u662f\u5df2\u7ecf\u4e34\u8fd1\u5e74\u7ec8\uff0c\u8bb8\u591a\u4eba\u7684\u65b0\u5bb6\u843d\u6210\u60f3\u5728\u65b0\u5e74\u524d\u642c\u5bb6\uff0c\u5982\u679c\u662f\u6709\u6253\u7b97\u8d2d\u4e70\u5927\u578b\u5bb6\u7535\uff0c\u9700\u8981\u5206\u671f\u4ed8\u6b3e\uff0c\u90a3\u4e48\u8fd9\u5f20\u5361\u5c31\u975e\u5e38\u9002\u5408\u6d3e\u4e0a\u7528\u573a\u4e86\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"2-hong-leong-bank-wise-credit-card\" style=\"color:#009bff\"><strong>2. Hong Leong Bank Wise Credit Card<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/hl-wise-card.webp\" alt=\"Hong Leong Bank Wise Credit Card\" class=\"wp-image-50585\" style=\"object-fit:cover\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/hl-wise-card.webp 400w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/hl-wise-card-300x188.webp 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/cash-back\/wise-card.html\" target=\"_blank\" rel=\"noopener\">Hong Leong Bank Wise Card<\/a> \u662f\u4e00\u5f20\u4e13\u95e8\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09\u9ad8\u8fbe8%\u7684\u4fe1\u7528\u5361\uff0c\u53ea\u8981\u6d88\u8d39\u6700\u5c1112\u6b21\u4e00\u5e74\uff0c\u6216\u8005\u662f\u4e00\u5e74\u6d88\u8d39\u9ad8\u8fbe RM8,000\u5c31\u53ef\u4ee5\u81ea\u52a8\u514d\u9664RM100\u7684\u5e74\u8d39\u3002\u800c\u5b83\u7684\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\u5229-1\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09\"><strong>\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/strong><\/h5>\n\n\n\n<p>\u5bf9\u4e8e\u96f6\u552e\u4ea4\u6613\uff08Retails Transaction\uff09\u7684\u73b0\u91d1\u56de\u6263\u9ad8\u8fbe1%\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>\u6d88\u8d39\u91d1\u989d<\/td><td>\u652f\u51fa\u7c7b\u522b<\/td><td>MCC\u5546\u6237\u6216\u8005\u4ea4\u6613\u7c7b\u578b<\/td><td>\u5e73\u65e5\uff08\u661f\u671f\u4e00-\u661f\u671f\u4e94\uff09\u8fdb\u884c\u7684\u4ea4\u6613<\/td><td>\u5468\u672b\uff08\u661f\u671f\u516d\u3001\u65e5\uff09\u8fdb\u884c\u7684\u4ea4\u6613<\/td><td>\u6bcf\u6708\u73b0\u91d1\u56de\u6263\u9650\u989d<\/td><\/tr><tr><td rowspan=\"5\">RM500<\/td><td>\u7ebf\u4e0a\u652f\u51fa<\/td><td>\u2022 Lazada<br>\u2022 Shopee<br>\u2022 Grab<br>\u2022 Foodpanda<br>\u2022 Touch N Go<br>\u2022 MYEG<br>\u2022 Spotify<br>\u2022 Netflix<br>\u2022 Apple Music<br>\u6ce8\uff1a\u9002\u7528\u4e8e\u7535\u5b50\u94b1\u5305\u5145\u503c\u548c\u5916\u5356\u4ea4\u6613<\/td><td>1%<\/td><td>8%<\/td><td>RM15<\/td><\/tr><tr><td>\u65e5\u5e38\u7528\u54c1<\/td><td>MCC\uff1a5411 <br>\u2013 \u6240\u6709\u6742\u8d27\u5e97\uff0c\u5305\u62ec Giant\u3001Cold Storage\u3001Jaya Grocer\u3001Mercato \u7b49\u3002<br>\u2022\uff08\u65b0\uff09MCC\uff1a5912<br> \u2013 \u6240\u6709\u836f\u5e97\u548c\u836f\u623f\uff0c\u5305\u62ecGuardian\u3001Watsons\u3001Caring Pharmacy \u7b49\u3002<br>\u2022\uff08\u65b0\uff09\u7cbe\u9009\u4fbf\u5229\u5e97 <br>\u2013 MyNews \u548c 7Eleven<\/td><td>1%<\/td><td>8%<\/td><td>RM15<\/td><\/tr><tr><td>\u6253\u6cb9<\/td><td>\u2022 MCC\uff1a5542 <br>\u2013 \u6240\u6709\u52a0\u6cb9\u7ad9\u5747\u8bbe\u6709\u81ea\u52a8\u52a0\u6cb9\u673a\uff08\u81ea\u52a9\u670d\u52a1\uff09<\/td><td>1%<\/td><td>8%<\/td><td>RM15<\/td><\/tr><tr><td>\u7528\u9910<\/td><td>\u2022 MCC\uff1a5811\/5812\/5814 <br>\u2013 \u6240\u6709\u9910\u5385<\/td><td>1%<\/td><td>8%<\/td><td>RM15<\/td><\/tr><tr><td>\u5176\u4ed6<\/td><td>\u2022 \u4e0a\u9762\u672a\u5b9a\u4e49\u7684\u4efb\u4f55 MCC \u6216\u5546\u5bb6<\/td><td>0.25%<\/td><td>0.25%<\/td><td>\u65e0\u9650<\/td><\/tr><tr><td>RM500\u4ee5\u4e0b<\/td><td>\u5168\u90e8<\/td><td>\u5168\u90e8MCC<\/td><td>0.25%<\/td><td>0.25%<\/td><td>RM1.25<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\u6765\u8bf4\uff1a<br>\u5c0f\u660e\u5728\u8fd9\u4e2a\u6708\u7f51\u8d2d\u82b1\u8d39\u4e86 RM 400\uff0c\u7136\u540e\u4e0b\u4e2a\u6708\u662f\u5bb6\u4eba\u751f\u65e5\uff0c\u5468\u4e00\u7684\u65f6\u5019\u5728Shopee\u4e70\u4e86\u793c\u7269\u82b1\u4e86 RM500\uff0c\u5468\u672b\u5e26\u5bb6\u4eba\u5230\u9910\u5385\u5403\u4e86 RM 600\uff0c\u52192\u4e2a\u6708\u53ef\u4ee5\u83b7\u5f97\u73b0\u91d1\u56de\u6263\u7684\u8ba1\u7b97\u65b9\u5f0f\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p>\u7b2c\u4e00\u4e2a\u6708\uff1a<br>\u82b1\u8d39 RM400\u4ee5\u4e0b\u53ef\u4ee5\u83b7\u5f97\u73b0\u91d1\u56de\u62630.25%\uff0c\u5373 RM400 x 0.25% = RM1<\/p>\n\n\n\n<p>\u7b2c\u4e8c\u4e2a\u6708\uff1a<br>\u603b\u82b1\u8d39\u662f RM1,100\uff0c<br>\u5468\u4e00\u7684\u82b1\u8d39\u662f RM500\uff0c\u53ef\u4ee5\u83b7\u5f971%\u7684\u73b0\u91d1\u56de\u6263\uff0c\u5373 RM500 x 1% = RM5.00<br>\u5468\u672b\u7684\u82b1\u8d39\u662f RM600\uff0c\u53ef\u4ee5\u83b7\u5f978%\u7684\u73b0\u91d1\u56de\u6263\uff0c\u5373 RM600 x 8% = RM48.00<br>\u603b\u5171\u662f RM5.00+RM28.00 = RM53.00<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>&nbsp;<\/td><td colspan=\"2\">\u5e73\u65e5\uff08\u661f\u671f\u4e00\u81f3\u661f\u671f\u4e94\uff09\u8fdb\u884c\u7684\u4ea4\u6613<\/td><td colspan=\"2\">\u5468\u672b\uff08\u661f\u671f\u516d\u3001\u65e5\uff09\u8fdb\u884c\u7684\u4ea4\u6613<\/td><td rowspan=\"2\">\u5408\u683c\u73b0\u91d1\u56de\u6263\u603b\u989d (RM)<\/td><td rowspan=\"2\">\u5907\u6ce8<\/td><\/tr><tr><td>\u652f\u51fa\u7c7b\u522b<\/td><td>\u6d88\u8d39(RM)<\/td><td>\u73b0\u91d1\u56de\u6263 (RM)<\/td><td>\u6d88\u8d39(RM)<\/td><td>\u73b0\u91d1\u56de\u6263 (RM)<\/td><\/tr><tr><td>\u7ebf\u4e0a\u652f\u51fa<\/td><td>50.00<\/td><td>0.50 (1%)<\/td><td>100.00<\/td><td>8.00 (8%)<\/td><td>8.50<\/td><td>\u4e0a\u9650 RM15 \u4ee5\u5185<\/td><\/tr><tr><td>\u65e5\u5e38\u7528\u54c1<\/td><td>50.00<\/td><td>0.50 (1%)<\/td><td>300.00<\/td><td>24.00 (8%)<\/td><td>15.00<\/td><td>\u4e0a\u9650\u4e3a RM15<\/td><\/tr><tr><td>\u6253\u6cb9<\/td><td>100.00<\/td><td>1.00 (1%)<\/td><td>300.00<\/td><td>24.00 (8%)<\/td><td>15.00<\/td><td>\u4e0a\u9650\u4e3a RM15<\/td><\/tr><tr><td>\u7528\u9910<\/td><td>50.00<\/td><td>0.50 (1%)<\/td><td>100.00<\/td><td>8.00 (8%)<\/td><td>8.50<\/td><td>\u4e0a\u9650 RM15 \u4ee5\u5185<\/td><\/tr><tr><td>\u5176\u4ed6<\/td><td>20.00<\/td><td>0.05 (0.25%)<\/td><td>30.00<\/td><td>0.08 (0.25%)<\/td><td>0.13<\/td><td>\u65e0\u9650<\/td><\/tr><tr><td>\u603b\u5171<\/td><td>270.00<\/td><td>2.55<\/td><td>830.00<\/td><td>64.08<\/td><td>47.13<\/td><td>\u73b0\u91d1\u56de\u6263\u603b\u989d\u4e3a RM47<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5f53\u6708\u7684\u4ea4\u6613\u603b\u989d = RM270 + RM830 = RM1100<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-2\"><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<br>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<br>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u6536\u5165\u81f3\u5c11 RM2,000<br>\u5b9a\u671f\u62c5\u4fdd\u4fe1\u7528\u5361\uff1a\u5728\u5b9a\u671f\u5b58\u5165 RM 2000 \u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-3\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Hong Leong Bank Wise Card \u6700\u660e\u663e\u7684\u4f18\u52bf\u5c31\u662f\u4ed6\u9ad8\u8fbe8%\u7684\u73b0\u91d1\u56de\u6263\uff0c\u867d\u7136\u6709\u7279\u5b9a\u7684\u5546\u5bb6\u89c4\u5b9a\uff0c\u4f46\u662f\u8fd9\u4e9b\u5546\u5bb6\u90fd\u662f\u6211\u4eec\u719f\u6089\u7684\uff0c\u5168\u9a6c\u5206\u5e97\u9887\u591a\uff0c\u662f\u6211\u4eec\u65e5\u5e38\u751f\u6d3b\u8d2d\u7269\u7684\u9996\u9009\uff0c\u4e0d\u7528\u62c5\u5fc3\u65e0\u6cd5\u6d3e\u4e0a\u7528\u573a\u7684\u9ebb\u70e6\u3002\u800c\u4e14\u53ea\u8981\u662f\u7b26\u5408\u5176\u6307\u5b9a\u7684\u6d88\u8d39\u7c7b\u522b\u5c31\u80fd\u591f\u60f3\u7528\u73b0\u91d1\u56de\u6263\uff0c\u662f\u975e\u5e38\u9002\u5408\u65e5\u5e38\u6d88\u8d39\u7684\u4e00\u5f20\u5361\u3002<\/p>\n\n\n\n<p>\u7136\u800c\u8fd9\u5f20\u5361\u8fd8\u662f\u6709\u4e00\u4e9b\u7f3a\u70b9\u7684\uff0c\u9996\u5148\uff0c\u5b83\u7684\u5e74\u8d39\u5728\u7b2c\u4e00\u5e74\u514d\u8d39\uff0c\u4f46\u4ece\u7b2c\u4e8c\u5e74\u5f00\u59cb\u5c31\u9700\u8981\u652f\u4ed8RM98\uff0c\u526f\u5361\u5219\u662fRM48\u3002\u800c\u4e148%\u7684\u73b0\u91d1\u56de\u6263\u9664\u4e86\u6709\u6d88\u8d39\u9650\u5236\u5916\uff0c\u8fd8\u53ea\u80fd\u5728\u5468\u672b\u4f7f\u7528\uff0c\u5e73\u65e5\u7684\u8bdd\u53ea\u67091%\uff0c\u56e0\u6b64\u9700\u8981\u5408\u7406\u7684\u5e94\u7528\u8fd9\u5f20\u5361\u7684\u4f7f\u7528\u65f6\u673a\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"3-affin-duo-affin-visa-cash-back-\u548c-affin-mastercard-rewards\" style=\"color:#009bff\"><strong>3.AFFIN DUO &#8211; AFFIN Visa Cash Back \u548c AFFIN Mastercard Rewards<\/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=\"377\" height=\"112\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/affin\u2018.webp\" alt=\"Affin Duo credit card\" class=\"wp-image-50587\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/affin\u2018.webp 377w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/affin\u2018-300x89.webp 300w\" sizes=\"(max-width: 377px) 100vw, 377px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.affinalways.com\/en\/affin-duo\" target=\"_blank\" rel=\"noopener\">Affin Duo<\/a> \u5206\u4e3a 2 \u5f20\u4fe1\u7528\u5361\uff0c\u4e00\u5f20 AFFIN DUO Visa Cash Back \u662f\u4e00\u5f20\u4e13\u95e8\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09\u7684\uff0c\u800c\u53e6\u4e00\u5f20 AFFIN DUO Mastercard Rewards \u662f\u7528\u4e8e\u79ef\u5206\uff08Reward Points\uff09\u7684\u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-4\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u6709\u6761\u4ef6\u514d\u5e74\u8d39\"><strong>\u6709\u6761\u4ef6\u514d\u5e74\u8d39<\/strong><\/h5>\n\n\n\n<p>\u514d\u5e74\u8d393\u5e74\uff0c\u4f46\u662f\u53ea\u8981\u6bcf\u5e74\u9700\u8fdb\u884c12\u6b21\u7684\u4ea4\u6613\u5237\u5361\uff0c\u5c31\u53ef\u4ee5\u7533\u8bf7\u514d\u5e74\u8d39\u3002\u800c\u5982\u679c\u9700\u8981\u8fd8\u5e74\u8d39\u7684\u60c5\u51b5\u4e0b\uff0c\u4e3b\u5361\u662f RM75\uff0c\u526f\u5361\u662f RM30\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"affin-duo-visa-cash-back-\u7684\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09\"><strong>AFFIN DUO Visa Cash Back \u7684\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/strong><\/h5>\n\n\n\n<p>AFFIN DUO\u7684\u56de\u6263\u662f\u548c\u4f60\u7684\u4e0a\u6708\u7ed3\u4f59\u76f8\u5173\u7684\uff0c\u4e5f\u5c31\u662f\u4f60\u7684\u4e0a\u4e2a\u6708\u7684\u8d26\u6237\u4f59\u989d\uff0c\u5373\u5728\u4e0a\u4e00\u4e2a\u6708\u7ed3\u675f\u65f6\u4f60\u8d26\u6237\u4e2d\u5269\u4f59\u7684\u8d44\u91d1\u6216\u672a\u7ed3\u7b97\u7684\u91d1\u989d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4e0a\u6708\u7ed3\u4f59<\/strong><\/td><td><strong>\u652f\u51fa\u7c7b\u522b<\/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>RM3,000\u53ca\u4ee5\u4e0a<\/td><td>\u7535\u5b50\u5546\u52a1\/\u5728\u7ebf\u4ea4\u6613\u7535\u5b50\u94b1\u5305\u5145\u503c\/\u4ea4\u6613\u81ea\u52a8\u6263\u8d39<\/td><td>3%<\/td><td>RM 50<\/td><\/tr><tr><td>\u4f4e\u4e8eRM3,000<\/td><td>\u7535\u5b50\u5546\u52a1\/\u5728\u7ebf\u4ea4\u6613\u7535\u5b50\u94b1\u5305\u5145\u503c\/\u4ea4\u6613\u81ea\u52a8\u6263\u8d39<\/td><td>3%<\/td><td>RM30<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u73b0\u91d1\u56de\u6263\u7684\u4e0a\u9650\u5177\u4f53\u53d6\u51b3\u4e8eAFFIN DUO Visa Cash Back\u4fe1\u7528\u5361\u8d26\u5355\u4e2d\u7684\u4e0a\u6708\u7ed3\u4f59\uff1a<\/p>\n\n\n\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u4ee5\u4e0a\u4e24\u4e2a\u6761\u4ef6\u4e0b\uff0c\u901a\u8fc7\u7535\u5b50\u94b1\u5305\u4ea4\u6613\u6240\u80fd\u8d5a\u53d6\u7684\u6700\u5927\u73b0\u91d1\u56de\u6263\u4e3a\u6bcf\u6708RM30\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u73b0\u91d1\u56de\u6263\u4e0d\u9002\u7528\u4e8e\u653f\u5e9c\u670d\u52a1\u4ea4\u6613\u3001\u6148\u5584\u76f8\u5173\u4ea4\u6613\u3001\u901a\u8fc7JomPAY\u3001\u5728\u7ebf\u94f6\u884c\u3001FPX\u548c\u90ae\u8d2d\/\u7535\u8bdd\u8ba2\u5355\uff08MOTO\uff09\u7684\u652f\u4ed8\u7b49\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<p>\u5c0f\u660e\u4e0a\u4e2a\u6708\u7528\u4fe1\u7528\u5361\u82b1\u4e86 RM 3500\uff0c\u6309\u7167\u56de\u6263\u7387\u4ed6\u53ef\u4ee5\u83b7\u5f97\u56de\u6263\u662f RM 3,500 X 3% = RM 105\u3002\u7531\u4e8e\u82b1\u8d39\u8d85\u8fc7 RM 3000 \u53ef\u4ee5\u83b7\u5f97\u7684\u6700\u9ad8\u56de\u6263\u9650\u989d\u662f RM 50\uff0c\u6240\u4ee5\u5c0f\u660e\u53ea\u80fd\u83b7\u5f97RM 50\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u8fd9\u4e2a\u6708\u82b1\u4e86 RM1650\uff0c\u73b0\u91d1\u56de\u6263\u5373 RM1650 x 3% = RM 49.50<\/p>\n\n\n\n<p>\u5047\u8bbe\u7ef4\u6301\u8fd9\u4e2a\u6d88\u8d39 RM1650 \u4e0d\u53d8\uff0c\u5728\u4e0b\u4e2a\u6708\u7684\u65f6\u5019\uff0c\u867d\u7136\u73b0\u91d1\u56de\u6263\u4ecd\u7136\u662f 3%\uff0c\u4f46\u662f\u5f97\u5230\u56de\u6263\u7684\u4e0a\u7ebf\u53d8\u6210\u4e86RM30\uff0c\u6240\u4ee5\u867d\u7136 RM1650 x 3% = RM 49.50\uff0c\u4f46\u662f\u8fd9\u4e2a\u6708\u5f97\u5230\u7684\u73b0\u91d1\u56de\u6263\u5219\u662f RM 30\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"affin-duo-mastercard-rewards-\u7684\u79ef\u5206\"><strong>AFFIN DUO Mastercard Rewards \u7684\u79ef\u5206<\/strong><\/h5>\n\n\n\n<p>\u4f7f\u7528AFFIN DUO Mastercard Rewards\u4fe1\u7528\u5361\uff0c\u5728\u4ee5\u4e0b\u6d88\u8d39\u7c7b\u522b\u53ef\u4ee5\u83b7\u5f973\u4e2a\u7684\u5956\u52b1\u79ef\u5206\uff1a<\/p>\n\n\n\n<ul>\n<li>\u7528\u9910<\/li>\n\n\n\n<li>\u6742\u8d27\u8d2d\u7269<\/li>\n\n\n\n<li>\u52a0\u6cb9<\/li>\n<\/ul>\n\n\n\n<p>\u83b7\u5f97\u7684AFFIN\u5956\u52b1\u79ef\u5206\u6ca1\u6709\u4e0a\u9650\uff0c\u800c\u4e14\u8fd9\u4e9b\u79ef\u5206\u5728\u83b7\u5f97\u540e\u76843\u5e74\u5185\u6709\u6548\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-5\"><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<br>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<br>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u6536\u5165\u81f3\u5c11 RM2,000<br><br>\u5bf9\u4e8e\u521a\u521a\u6bd5\u4e1a\u6216\u8005\u521a\u521a\u8e0f\u5165\u804c\u573a\u6765\u8bf4\uff0c\u5728\u5c1a\u4e0d\u5177\u5907\u4fe1\u7528\u5361\u7533\u8bf7\u8d44\u683c\u7684\u60c5\u51b5\u4e0b\uff0cAffin Bank\u7279\u522b\u63a8\u51fa\u4e86\u4e00\u4e2a\u4e13\u95e8\u7684\u8ba1\u5212<\/p>\n\n\n\n<p>\u7533\u8bf7\u8d44\u683c\uff1a<br>\u56fd\u7c4d\uff1a\u9a6c\u6765\u897f\u4e9a<br>\u6700\u4f4e\u5e74\u9f84\uff1a21\u5c81<br>\u6700\u9ad8\u5e74\u9f84\uff1a25\u5c81<\/p>\n\n\n\n<p>\u53ef\u4ee5\u900f\u8fc7\u6700\u4f4e\u62b5\u62bc\u91d1\u989d RM500 \u5230\u6700\u9ad8\u62b5\u62bc\u91d1\u989d RM10,000 \u6765\u7533\u8bf7 AFFIN DUO\u7684\u4fe1\u7528\u5361\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4fe1\u7528\u989d\u5ea6\u5c06\u57fa\u4e8e\u6240\u62b5\u62bc\u91d1\u989d\u800c\u5b9a\uff0c\u5e76\u5c06\u5728AFFIN DUO\uff08AFFIN DUO Visa Cash Back\u548cAFFIN DUO Mastercard Rewards\uff09\u4e4b\u95f4\u5171\u4eab\u3002\u5982\u679c\u5728AFFIN DUO\u8fd8\u6b3e\u622a\u6b62\u65e5\u671f\u540e\u768430\u5929\u5185\u672a\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0cAFFIN DUO \u5c06\u88ab\u7981\u6b62\u4f7f\u7528\u3002\u5982\u679c\u5728AFFIN DUO\u8fd8\u6b3e\u622a\u6b62\u65e5\u671f\u540e\u768460\u5929\u5185\u672a\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0cAFFIN DUO\u7684\u672a\u7ed3\u4f59\u989d\u5c06\u4ece\u8d28\u62bc\u91d1\u989d\u4e2d\u62b5\u6263\u3002\u4efb\u4f55\u4f59\u989d\u5c06\u5212\u5165AFFIN BANK\u7684\u6301\u5361\u4eba\u8d26\u6237\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-6\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>AFFIN DUO\u7684\u53cc\u5361\u914d\u5957\u5176\u5b9e\u5bf9\u4e8e\u5e74\u8f7b\u4eba\u6765\u8bf4\u6709\u7740\u975e\u5e38\u597d\u7684\u5438\u5f15\u529b\uff0c\u9996\u5148\u662f\u7533\u8bf7\u95e8\u69db\u4f4e\uff0c\u800c\u4e14\u5206\u522b\u6709\u73b0\u91d1\u56de\u6263\u4ee5\u53ca\u7d2f\u8ba1\u79ef\u5206\u7684\u529f\u80fd\uff0c\u9002\u7528\u5ea6\u975e\u5e38\u5e7f\uff0c\u4e0d\u4ec5\u4ec5\u5c40\u9650\u4e8e\u5355\u4e00\u7684\u6d88\u8d39\u7c7b\u578b\uff0c\u5305\u62ec\u5403\u996d\u3001\u6253\u6cb9\u3001\u6362\u4fdd\u9669\u7b49\u7b49\u90fd\u80fd\u591f\u83b7\u5f97\u798f\u5229\u3002<\/p>\n\n\n\n<p>\u6700\u7279\u522b\u7684\u662f\u7528\u4e8e\u5145\u503cewallet\u65b9\u9762\u4e5f\u80fd\u591f\u5f97\u5230\u73b0\u91d1\u56de\u6263\uff0c\u662f\u5bf9\u6bd4\u5176\u4ed6\u7684\u4fe1\u7528\u5361\u6765\u8bf4\uff0c\u76f8\u5bf9\u7279\u522b\u7684\u4f18\u52bf\u3002\u800c\u4e14\u5b83\u9996\u4e09\u5e74\u8fd8\u4e0d\u9700\u8981\u5e74\u8d39\uff0c\u4e4b\u540e\u6bcf\u5e74\u5237\u5361\u6ee112\u6b21\u4e5f\u80fd\u62b5\u6d88\u3002\u5bf9\u4e8e\u4e0d\u5584\u4e8e\u4f7f\u7528\u4fe1\u7528\u5361\uff0c\u5bb3\u6015\u5f88\u591a\u9690\u5f62\u6761\u6b3e\u7684\u670b\u53cb\u6765\u8bf4\uff0c\u662f\u975e\u5e38\u53cb\u5584\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-hong-leong-bank-essential-card\"><strong>4.Hong Leong Bank Essential 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=\"635\" height=\"393\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.49.51-removebg-preview.webp\" alt=\"Hong leong essential credit card\" class=\"wp-image-50593\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.49.51-removebg-preview.webp 635w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.49.51-removebg-preview-300x186.webp 300w\" sizes=\"(max-width: 635px) 100vw, 635px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/cash-back\/essential-card.html?icp=hlb-en-pdp-xsellfrom-wisecc-default-211118-left\" target=\"_blank\" rel=\"noopener\">Hong Leong Bank Essential Card<\/a> \u662f\u4e00\u5f20\u4e13\u95e8\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09\u7684\u4fe1\u7528\u5361\u800c\u5b83\u7684\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\u5229-7\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u6709\u6761\u4ef6\u514d\u5e74\u8d39-8\"><strong>\u6709\u6761\u4ef6\u514d\u5e74\u8d39<\/strong><\/h5>\n\n\n\n<p>\u53ea\u8981\u6d88\u8d39\u6700\u5c1112\u6b21\u4e00\u5e74\uff0c\u6216\u8005\u662f\u4e00\u5e74\u6d88\u8d39\u9ad8\u8fbe RM8,000\u5c31\u53ef\u4ee5\u81ea\u52a8\u514d\u9664RM100\u7684\u5e74\u8d39\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u73b0\u91d1\u56de\u6263\uff08-cash-rebates\uff09-9\"><strong>\u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/strong><\/h5>\n\n\n\n<p>\u5bf9\u4e8e\u96f6\u552e\u4ea4\u6613\uff08Retails Transaction\uff09\u7684\u73b0\u91d1\u56de\u6263\u9ad8\u8fbe1%\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>\u7b49\u7ea7\uff08\u6d88\u8d39\u7c7b\u578b\uff09<\/strong><\/td><td><strong>\u6d88\u8d39\u91d1\u989d<\/strong><\/td><td><strong>\u73b0\u91d1\u56de\u6263<\/strong><\/td><\/tr><tr><td>\u96f6\u552e\uff08Retail\uff09- \u7b49\u7ea71<\/td><td>\u9996 RM 7,000<\/td><td>0.4%<\/td><\/tr><tr><td>\u96f6\u552e\uff08Retail\uff09- \u7b49\u7ea72<\/td><td>RM7,001 \u548c\u4ee5\u4e0a<\/td><td>1%<\/td><\/tr><tr><td>\u4fdd\u9669<\/td><td>&#8211;<\/td><td>0.4%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Hong Leong Essential \u4fe1\u7528\u5361\u7684Cap Limit\uff08Cashback\u4e0a\u9650\uff09\u662fRM300\u3002<br><br>\u8bf7\u6ce8\u610f\uff0c\u5982\u679c\u4f60\u7528\u8fd9\u5f20\u4fe1\u7528\u5361\u652f\u4ed8\u653f\u5e9c\/JomPAY\/FPX \u8d26\u5355\u652f\u4ed8\u76f8\u5173\u4ea4\u6613\u76f8\u5173\u8d39\u7528\u3001\u901a\u8fc7 HLB Connect \u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u7684 QR Pay \u4ea4\u6613\u3001\u9884\u652f\u73b0\u91d1\u3001Quasi- cash\uff08\u6295\u6ce8\u548c\u6e38\u620f\u76f8\u5173\u4ea4\u6613\uff09\u3001Quick Cash\u3001 Flexi Payment Plan\u3001Auto Balance Conversion (ABC), \u4f59\u989d\u8f6c\u8d26\u5219\u90fd\u4e0d\u80fd\u83b7\u5f97\u73b0\u91d1\u56de\u6263\u3002<br><br>\u4e3e\u4e2a\u4f8b\u5b50\u6765\u8bf4\uff1a<br>\u5c0f\u660e\u5728\u4fdd\u9669\u4e0a\u82b1\u8d39\u4e86 RM 400\uff0c\u5e76\u5728\u96f6\u552e\u4ea4\u6613\u4e0a\u6d88\u8d39\u4e86 RM 8,000\uff0c\u53ef\u4ee5\u83b7\u5f97\u73b0\u91d1\u56de\u6263\u7684\u8ba1\u7b97\u65b9\u5f0f\u5982\u4e0b\uff1a<br><br>\u4fdd\u9669\u7684\u73b0\u91d1\u56de\u6263\u53ea\u6709 0.4%\uff0c \u5373 RM400 x 0.4% = RM 1.60<br>\u96f6\u552e\u4ea4\u6613\u7684\u73b0\u91d1\u56de\u6263\u5206\u4e3a2\u4e2a\u7b49\u7ea7\uff0c<br>\u524d RM7,000 \u662f\u5c5e\u4e8e\u7b49\u7ea71\uff0c\u73b0\u91d1\u56de\u6263\u662f 0.4%\uff0c\u5373 RM7,000 x 0.4% = RM 28<br>\u5269\u4e0b\u7684 RM 1,000 \u5c5e\u4e8e\u7b49\u7ea72\uff0c\u73b0\u91d1\u56de\u6263\u662f 1%\uff0c\u5373 RM1,000 x 1% = RM10<br><br>\u603b\u5171\u662f RM1.60+RM28+RM10 = RM39.60<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-10\"><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<br>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<br>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u6536\u5165\u81f3\u5c11 RM2,000<br>\u5b9a\u671f\u62c5\u4fdd\u4fe1\u7528\u5361\uff1a\u5728\u5b9a\u671f\u5b58\u5165 RM 2000 \u6216\u4ee5\u4e0a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-11\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>HongLeong Essential \u4fe1\u7528\u5361\u662f\u4e00\u5f20\u76f8\u5bf9\u7b80\u5355\u7684\u4fe1\u7528\u5361\uff0c\u867d\u7136\u529f\u80fd\u4e0d\u591a\uff0c\u4f46\u662f\u90fd\u975e\u5e38\u5b9e\u7528\uff0c\u5177\u6709\u591a\u9879\u4f18\u70b9\u3002<\/p>\n\n\n\n<p>\u9996\u5148\uff0c\u5b83\u65e0\u9700\u62c5\u5fc3\u5206\u5468\u65e5\u548c\u5468\u672b\u6d88\u8d39\uff0c\u65e0\u8bba\u4ec0\u4e48\u65f6\u5019\u4f7f\u7528\u90fd\u80fd\u4eab\u53d7\u76f8\u540c\u7684cashback\u767e\u5206\u6bd4\uff0c\u76f8\u5bf9\u7b80\u4fbf\u3002\u8fd9\u79cd\u7075\u6d3b\u6027\u5bf9\u4e8e\u4e0d\u613f\u610f\u53d7\u5230\u65e5\u671f\u9650\u5236\u7684\u6d88\u8d39\u8005\u6765\u8bf4\u662f\u4e00\u4e2a\u975e\u5e38\u660e\u663e\u7684\u4f18\u52bf\u3002<\/p>\n\n\n\n<p>\u5176\u6b21\u5728\u8bb8\u591aCashback\u4fe1\u7528\u5361\u4e2d\uff0c\u80fd\u591f\u9488\u5bf9\u4fdd\u9669\u652f\u4ed8\u63d0\u4f9b\u8fd4\u73b0\u7684\u5e76\u4e0d\u591a\u89c1\uff0c\u800c\u8fd9\u5f20\u5361\u8fd8\u63d0\u4f9b\u4e860.4% cashback\u7684\u673a\u4f1a\u3002\u5bf9\u4e8e\u6709\u9ad8\u989d\u4fdd\u9669\u8d39\u7528\u652f\u51fa\u7684\u4eba\u6765\u8bf4\uff0c\u8fd9\u662f\u4e00\u4e2a\u8003\u8651\u7684\u4e0d\u9519\u9009\u62e9\u3002<\/p>\n\n\n\n<p>\u7136\u800c\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cHongLeong Essential\u4fe1\u7528\u5361\u76841% cashback\u9700\u8981\u5728\u6d88\u8d39\u8fbe\u5230RM7,000\u4ee5\u4e0a\u65f6\u624d\u80fd\u751f\u6548\uff0c\u8fd9\u5bf9\u4e8e\u5c0f\u8d44\u65cf\u6765\u8bf4\u53ef\u80fd\u5e76\u4e0d\u592a\u9002\u5408\u3002\u56e0\u6b64\uff0c\u5728\u9009\u62e9\u6b64\u4fe1\u7528\u5361\u65f6\uff0c\u4e2a\u4eba\u7684\u6d88\u8d39\u6a21\u5f0f\u548c\u9700\u6c42\u9700\u8c28\u614e\u8003\u8651\uff0c\u4ee5\u786e\u4fdd\u5176\u771f\u6b63\u7b26\u5408\u4e2a\u4eba\u7684\u8d22\u52a1\u76ee\u6807\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"5-bsn-gold-credit-card\" style=\"color:#009bff\"><strong>5.BSN Gold 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=\"616\" height=\"405\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.48.13-removebg-preview.webp\" alt=\"BSN gold credit card\" class=\"wp-image-50591\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.48.13-removebg-preview.webp 616w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/10\/Screenshot_2023-10-28_at_21.48.13-removebg-preview-300x197.webp 300w\" sizes=\"(max-width: 616px) 100vw, 616px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-gold-credit-card?lang=en&amp;csrt=7910136751862356075\" target=\"_blank\" rel=\"noopener\">BSN Gold Visa Credit Card<\/a> \u548c <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-gold-credit-card?lang=en&amp;csrt=7910136751862356075\" target=\"_blank\" rel=\"noopener\">BSN Gold Master Credit Card<\/a> \u7684\u4f18\u60e0\u798f\u5229\u5982\u4e0b\uff1a<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u60e0\u798f\u5229-12\"><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u5e74\u8d39-13\"><strong>\u514d\u5e74\u8d39<\/strong><\/h5>\n\n\n\n<p>BSN Gold Visa Credit Card \u548c BSN Gold Master Credit Card \u662f\u5c11\u6709\u7684\u6c38\u4e45\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\uff0c\u800c\u4e14\u7ec8\u8eab\u90fd\u6ca1\u6709\u9644\u52a0\u7684\u6761\u4ef6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08-finance-charges\uff09-14\"><strong>\u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance charges\uff09<\/strong><\/h5>\n\n\n\n<p>\u867d\u7136\u5efa\u8bae\u5927\u5bb6\u6bcf\u4e2a\u6708\u90fd\u51c6\u65f6\u507f\u8fd8\u4fe1\u7528\u5361\u4f59\u989d\uff0c\u4ee5\u7ef4\u6301\u81ea\u5df1\u826f\u597d\u7684\u4fe1\u7528\u5206\u6570\u3002\u7136\u540e\u5728\u7d27\u6025\u7684\u60c5\u51b5\u4e0b\uff0c\u6709\u65f6\u5019\u4e0d\u5f97\u5df2\u4f1a\u7a0d\u6709\u62d6\u5ef6\uff0c\u800c\u5927\u591a\u6570\u94f6\u884c\u5728\u672a\u507f\u8fd8\u7684\u4f59\u989d\u4e0a\u4f1a\u6536\u53d6\u9ad8\u8fbe18% p.a.\u7684\u7ba1\u7406\u8d39\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u901a\u8fc7BSN Gold Credit Card\uff0c\u5982\u679c\u60a8\u5728\u79c1\u4eba\u4f01\u4e1a\u5de5\u4f5c\uff0c\u4f60\u53ef\u4ee5\u4eab\u53d7\u4ece13.5%\u523017.5% p.a.\u7684\u8f83\u4f4e\u5229\u7387\u3002\u5982\u679c\u4f60\u662f\u653f\u5e9c\u96c7\u5458\uff0c\u751a\u81f3\u53ef\u4ee5\u4eab\u53d7\u66f4\u4f4e\u768411%\u5229\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"happy-reward-\u79ef\u5206\"><strong>Happy Reward \u79ef\u5206<\/strong><\/h5>\n\n\n\n<p>\u6bcf\u5237 RM 1\uff0c\u90fd\u53ef\u4ee5\u5728\u672c\u5730\u96f6\u552e\u6d88\u8d39\u4e0a\u83b7\u5f971\u4e2a\u5956\u52b1\u79ef\u5206\uff0c\u800c\u5728\u6d77\u5916\u96f6\u552e\u6d88\u8d39\u4e0a\u5219\u80fd\u591f\u83b7\u5f972\u4e2a\u5956\u52b1\u79ef\u5206\u3002\u7d2f\u79ef\u8fd9\u4e9b Happy Rewards \u79ef\u5206\u53ef\u4ee5\u5151\u6362\u793c\u54c1\uff0c\u5305\u62ec\uff1a\u5c0f\u5de5\u5177\u3001\u793c\u5238\u3001\u5bb6\u7528\u7535\u5668\u3001\u513f\u7ae5\u3001\u65c5\u884c\u7b49\u7b49\uff01<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u6d88\u8d39\u79ef\u5206<\/strong><\/td><td><strong>\u6d88\u8d39\u7c7b\u578b<\/strong><\/td><\/tr><tr><td>\u6bcf RM 1 \u79ef\u7d2f1\u5206<\/td><td>\u672c\u5730\u6d88\u8d39<\/td><\/tr><tr><td>\u6bcf RM 1 \u79ef\u7d2f2\u5206<\/td><td>\u6d77\u5916\u6d88\u8d39<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0cHappy Points \u5c06\u57283\u5e74\u540e\u8fc7\u671f\u3002\u6240\u4ee5\uff0c\u63d0\u9192\u4f60\u8bb0\u5f97\u53ca\u65f6\u5151\u6362\u4f60\u7684\u5956\u52b1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263-15\"><strong>\u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<\/strong><\/h5>\n\n\n\n<p>\u4e0d\u4ec5\u5982\u6b64\uff0c\u5728\u6307\u5b9a\u5546\u5bb6\u4eab\u53d7\u7528\u9910\u3001\u8d2d\u7269\u4ee5\u53ca\u65c5\u884c\u798f\u5229\u7684\u7279\u522b\u6298\u6263\u548c\u4f18\u60e0\uff0c\u4f8b\u5982Mydin\uff0cGSC\uff0cPetron\u7b49\u7b49\u3002\u60f3\u8981\u4e86\u89e3\u6700\u65b0\u7684\u4fc3\u9500\u548c\u4f18\u60e0\uff0c\u8bf7\u8bbf\u95ee<a href=\"https:\/\/www.bsn.com.my\/page\/credit-card-promotions\" target=\"_blank\" rel=\"noopener\">\u5b98\u65b9\u7f51\u9875<\/a>\u7684\u66f4\u65b0\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u8d39\u7684bsn-zing-plus-miles\u5361-16\"><strong>\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<\/strong><\/h5>\n\n\n\n<p>\u6b64\u5916\uff0c<a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a> \u662f\u514d\u5e74\u8d39\u7684\uff0c\u540c\u65f6\u4f60\u8fd8\u4f1a\u83b7\u5f97\u4e00\u5f20\u514d\u8d39\u7684BSN Zing PLUSMiles\u5361\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e0e\u4f60\u7684BSN\u4fe1\u7528\u5361\u5173\u8054\u7684Touch &#8216;n Go\u81ea\u52a8\u5145\u503c\u5361\uff0c\u53ef\u4eab\u53d7\u8fc7\u8def\u8d39\u56de\u6263\u548c\u6298\u6263\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5728PLUS\u3001ELITE\u3001BKE\u548cLINKEDUA\u9ad8\u901f\u516c\u8def\u6bcf\u6708\u4f7f\u7528RM100.00\u53ca\u4ee5\u4e0a\u53ef\u83b7\u5f975%\u7684\u8fc7\u8def\u8d39\u56de\u6263<\/li>\n\n\n\n<li>\u5728\u53c2\u4e0e\u7684PLUSMiles\u5546\u6237\u5904\u6700\u9ad8\u53ef\u4eab\u53d730%\u7684\u6298\u6263<\/li>\n\n\n\n<li>\u6bcf\u6d88\u8d39RM1\u53ef\u83b7\u5f971\u4e2aPLUSMiles\u70b9<\/li>\n\n\n\n<li>\u5728\u5145\u503cBSN Zing PLUSMiles\u5361\u65f6\uff0c\u6bcfRM1\u53ef\u83b7\u5f97BSN Happy Reward Points\uff081\u500d\u5956\u52b1\u70b9\uff09<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u8d39\u65c5\u884c\u4fdd\u9669\"><strong>\u514d\u8d39\u65c5\u884c\u4fdd\u9669<\/strong><\/h5>\n\n\n\n<p>\u5f53\u4f60\u4f7f\u7528 BSN Gold Credit Card \u652f\u4ed8\u5168\u90e8\u65c5\u884c\u8d39\u7528\u65f6\uff0c\u53ef\u4ee5\u81ea\u52a8\u4eab\u53d7\u9ad8\u8fbeRM100,000\u7684\u4fdd\u9669\u4fdd\u969c\uff0c\u5176\u4e2d\u5305\u62ec\u4e86\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\u7c7b\u578b<\/strong><\/td><td><strong>\u4fdd\u969c\u91d1\u989d<\/strong><\/td><\/tr><tr><td>\u884c\u674e\u9057\u5931\uff08\u8d85\u8fc748\u5c0f\u65f6\uff09<\/td><td>RM 1600<\/td><\/tr><tr><td>\u884c\u674e\u5ef6\u8bef\uff08\u8d85\u8fc76\u5c0f\u65f6\uff09<\/td><td>RM 1600<\/td><\/tr><tr><td>\u98de\u673a\u5ef6\u8bef\uff08\u8d85\u8fc76\u5c0f\u65f6\uff09<\/td><td>RM 600<\/td><\/tr><tr><td>\u9519\u8fc7\u8854\u63a5\u822a\u73ed<\/td><td>RM 600<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-0-easy-pay-plan-epp-17\"><strong>BSN 0% EasyPay Plan (EPP)<\/strong><\/h5>\n\n\n\n<p>\u901a\u8fc7 BSN \u76840% EasyPay Plan\uff0c\u5728\u76f8\u5173\u5546\u5bb6\u8d2d\u4e70\u7684\u4ea7\u54c1\u53ef\u4ee5\u57283\u523036\u4e2a\u6708\u7684\u8fd8\u6b3e\u671f\u5185\u96f6\u5229\u606f\u5730\u6309\u6708\u5206\u671f\u507f\u8fd8\u6240\u6b20\u6b3e\u9879\u3002\u800c\u5bf9\u4e8e\u975e\u53c2\u4e0e\u7684\u5546\u6237\uff0c\u4f60\u7684\u6708\u4ed8\u6b3e\u989d\u4e5f\u662f\u514d\u606f\u7684\uff0c\u4f46\u9700\u8981\u4e00\u6b21\u6027\u652f\u4ed8\u4f4e\u81f33%\u7684\u5e74\u8d39\u3002\u6700\u4f4e\u8d2d\u7269\u989d\u5c06\u53d6\u51b3\u4e8e\u5206\u671f\u671f\u9650\uff0c\u81f3\u5c11\u9700\u8981RM500\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u8fd8\u6b3e\u671f\u9650<\/td><td>\u5229\u7387<\/td><td>\u6700\u4f4e\u6d88\u8d39\u91d1\u989d<\/td><\/tr><tr><td>6\u4e2a\u6708<\/td><td>0% p.a.\u4e14\u65e0\u4e00\u6b21\u6027\u524d\u671f\u624b\u7eed\u8d39<\/td><td>RM 500<\/td><\/tr><tr><td>36\u4e2a\u6708<\/td><td>0% p.a.\u4e14\u65e0\u4e00\u6b21\u6027\u524d\u671f\u624b\u7eed\u8d39<\/td><td>RM 500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-easy-cash-plan-18\"><strong>BSN EasyCash Plan<\/strong><\/h5>\n\n\n\n<p>\u901a\u8fc7 BSN EasyCash Plan\uff0c\u53ef\u4ee5\u4ee50%\u7684\u7ba1\u7406\u8d39\u4eceBSN\u4fe1\u7528\u5361\u4e2d\u63d0\u53d6\u73b0\u91d1\uff0c\u6216\u9009\u62e9\u591a\u79cd\u7075\u6d3b\u7684\u8ba1\u5212\uff0c\u4eab\u53d7\u6781\u4f4e\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u8be6\u60c5\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>EasyCash Plan<\/td><td>\u507f\u8fd8\u65f6\u9650<\/td><td>EasyCash \u5229\u7387(% \u5e74\u5316\u7387)<\/td><td>\u6279\u51c6\u91d1\u989d\u7684\u4e00\u6b21\u6027\u53d6\u73b0\u8d39\uff08%\uff09<\/td><td>\u6700\u4f4e\u53d6\u73b0\u91d1\u989d\uff08RM\uff09<\/td><\/tr><tr><td>AA<\/td><td>6 \u4e2a\u6708<\/td><td>0%<\/td><td>1.99%<\/td><td>500<\/td><\/tr><tr><td>AB<\/td><td>12 \u4e2a\u6708<\/td><td>0%<\/td><td>3.99%<\/td><td>500<\/td><\/tr><tr><td>AC<\/td><td>24 \u4e2a\u6708<\/td><td>3.99%<\/td><td>&#8211;<\/td><td>1000<\/td><\/tr><tr><td>AD<\/td><td>36 \u4e2a\u6708<\/td><td>3.99%<\/td><td>&#8211;<\/td><td>2000<\/td><\/tr><tr><td>AE<\/td><td>48 \u4e2a\u6708<\/td><td>4.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><tr><td>AF<\/td><td>60 \u4e2a\u6708<\/td><td>5.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><tr><td>AG<\/td><td>72 \u4e2a\u6708<\/td><td>5.99%<\/td><td>&#8211;<\/td><td>3000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"bsn-instalment-pay-plan-19\"><strong>BSN Instalment-Pay-Plan<\/strong><\/h5>\n\n\n\n<p>\u53ea\u8981\u4f60\u7684\u5355\u7b14\u6d88\u8d39\u91d1\u989d\u4e3a RM500\uff0c\u4f60\u53ea\u9700\u8981\u4ed8\u51fa\u4e00\u6b21\u6027\u7684\u524d\u671f\u8d39\u7528\uff0c\u5c31\u53ef\u4ee5\u9009\u62e96\u300112\u621624\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u4eab\u53d70%\u5229\u606f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d-auto-balance-conversion-programme\"><strong>\u4ee5\u8f83\u4f4e\u7684\u5229\u7387\u5206\u671f\u507f\u8fd8\u672a\u8fd8\u6e05\u7684\u4fe1\u7528\u5361\u4f59\u989d Auto Balance Conversion Programme<\/strong><\/h5>\n\n\n\n<p>\u5982\u679c\u8d22\u52a1\u5403\u7d27\uff0c\u9700\u8981\u4e00\u4e9b\u7f13\u548c\u7a7a\u95f4\uff0c\u4f60\u7684\u672a\u507f\u4fe1\u7528\u5361\u4f59\u989d\u5c06\u88ab\u8f6c\u6362\u4e3a36\u4e2a\u6708\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u800cBSN \u7684 Auto Balance Conversion Programme \u7684\u6700\u4f4e\u5229\u7387\u662f 13% \u6bcf\u5e74\uff0c\u5bf9\u6bd4\u5e38\u89c1\u7684 15% &#8211; 18% \u5e74\u5316\u7684\u4fe1\u7528\u5361\u5229\u7387\u66f4\u4e3a\u4f18\u60e0\u3002\u800c\u4e14\u4f60\u4e5f\u65e0\u9700\u9ebb\u70e6\u7684\u7533\u8bf7\u8f6c\u5316\uff0c\u5728\u6ee1\u8db3\u8d44\u683c\u6807\u51c6\uff08\u5e74\u5ea6\u8bc4\u4f30\uff09\u540e\uff0c\u4f60\u7684\u672a\u507f\u5bf9\u8d26\u5355\u4f59\u989d\u4f1a\u88ab\u81ea\u52a8\u8f6c\u6362\u3002\u82e5\u4f60\u60f3\u8981\u63d0\u524d\u7ed3\u6e05\u4f60\u7684\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u4e5f\u65e0\u9700\u989d\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u4fdd\u9669-credit-shield-20\"><strong>\u4fdd\u9669 Credit Shield<\/strong><\/h5>\n\n\n\n<p>\u5982\u679c\u4f60\u9762\u5bf9\u6b7b\u4ea1\u6216\u5168\u6b8b\uff08TPD\uff09\u7684\u60c5\u51b5\u4e0b\uff0cBSN\u4f1a\u81ea\u52a8\u4e3a\u4f60\u652f\u4ed8\u4f60\u7684\u4fe1\u7528\u5361\u672a\u507f\u8fd8\u4f59\u989d\uff0c\u6700\u9ad8\u53ef\u8fbe RM100,000\u3002\u6709\u4e86\u8fd9\u4e2a\u8ba1\u5212\uff0c\u4e07\u4e00\u81ea\u5df1\u6709\u4ec0\u4e48\u4e09\u957f\u4e24\u77ed\u7684\uff0c\u4e5f\u65e0\u9700\u62c5\u5fc3\u5bb6\u4eba\u4f1a\u53d7\u5230\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e2a\u4fdd\u9669\u7684\u8fd0\u4f5c\u65b9\u5f0f\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p>\u6bcf RM100 \u7684\u4fe1\u7528\u5361\u4f59\u989d\u90fd\u4f1a\u652f\u4ed8 RM0.30\uff0c\u5c31\u80fd\u591f\u4eab\u6709\u8fd9\u4e2a\u4fdd\u9669\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u7684\u672a\u507f\u672c\u91d1\u4f59\u989d\u4e3aRM1,000\uff0c\u90a3\u4e48\u5f53\u6708\u7684\u4fdd\u8d39\u5c06\u4e3a3\u4ee4\u5409\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f60\u7684\u672c\u6708\u8d26\u5355\u4e3a\u96f6\uff0c\u5c31\u4e0d\u9700\u6536\u53d6\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\u5982\u679c\u4f60\u6bcf\u6708\u989d\u5916\u652f\u4ed8 RM6\uff0c\u8fd8\u53ef\u4eab\u6709\u9ad8\u8fbe RM3000 \u7684\u4e27\u846c\u798f\u5229\uff0c\u4ee5\u5e2e\u52a9\u51cf\u8f7b\u53bb\u4e16\u540e\u7684\u846c\u793c\u8d39\u7528\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"\u514d\u8d39\u7533\u8bf7\u526f\u5361-21\"><strong>\u514d\u8d39\u7533\u8bf7\u526f\u5361<\/strong><\/h5>\n\n\n\n<p>\u800c\u4e14\u62e5\u6709\u8fd9\u5f20\u5361\u7684\u60c5\u51b5\u4e0b\uff0c\u65e0\u9700\u7f34\u4ed8\u989d\u5916\u8d39\u7528\uff0c\u5c31\u53ef\u4ee5\u4e3a\u4f60\u7684\u5bb6\u4eba\u7533\u8bf7\u526f\u5361\uff0c\u5171\u540c\u4eab\u6709\u4fe1\u7528\u5361\u6240\u63d0\u4f9b\u7684\u597d\u5904<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u7533\u8bf7\u6761\u4ef6-22\"><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<br>\u526f\u5361\uff1a18\u5c81\u6216\u4ee5\u4e0a<br>\u85aa\u6c34\uff1a\u5e74\u6536\u5165 RM 36,000\uff1b\u6708\u85aa RM 3,000<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u6536\u5165\u8bc1\u660e\u7684\u66ff\u4ee3\uff0c\u4f60\u53ef\u4ee5\u900f\u8fc7\u62b5\u62bc\u7684Sijil Simpanan Premium\uff08SSP\uff09\u6216BSN\u5b9a\u671f\u5b58\u6b3e\u6765\u7533\u8bf7\u4fe1\u7528\u5361\u3002<br>BSN\u6700\u4f4e\u62b5\u62bc\u91d1\u4e3a RM4,000\uff0c\u6839\u636e\u5361\u7c7b\u578b\u53ef\u80fd\u4f1a\u6709\u6240\u53d8\u5316\u3002\u7533\u8bf7\u7ecf\u8fc7\u6279\u51c6\u540e\uff0c\u94f6\u884c\u5c06\u81ea\u884c\u51b3\u5b9a\u6279\u51c6\u7684\u4fe1\u7528\u989d\u5ea6\u3002<br>\u6bcfRM1,000\u6279\u51c6\u7684\u4fe1\u7528\u989d\u5ea6\u5c06\u5f81\u6536RM5\u7684\u5370\u82b1\u7a0e\uff0c\u5e76\u8ba1\u5165\u60a8\u7684\u4fe1\u7528\u5361\u8d26\u6237\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"\u4f18\u7f3a\u70b9\u5206\u6790-23\"><strong>\u4f18\u7f3a\u70b9\u5206\u6790<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>BSN Gold Visa Credit Card \u548c BSN Gold Master Credit Card \u4f5c\u4e3a\u5c11\u6709\u7684\u6c38\u4e45\u514d\u5e74\u8d39\u7684\u4fe1\u7528\u5361\uff0c\u7ec8\u8eab\u90fd\u6ca1\u6709\u9644\u52a0\u7684\u6761\u4ef6\uff0c\u8fd9\u70b9\u5df2\u7ecf\u975e\u5e38\u7684\u7b26\u5408\u81ea\u96c7\u4eba\u58eb\u7684\u9700\u6c42\u4e86\uff0c\u4e0d\u4ec5\u5982\u6b64\uff0c\u6700\u91cd\u8981\u7684\u662f\uff0c\u5982\u679c\u7528\u8fd9\u5f20\u5361\u6d88\u8d39\u65c5\u6e38\u76f8\u5173\u7684\u8d39\u7528\uff0c\u8fd8\u80fd\u591f\u4eab\u6709\u514d\u8d39\u7684\u65c5\u6e38\u4fdd\u9669\uff0c\u5bf9\u4e8e\u60f3\u8981\u53bb\u65c5\u884c\u7684\u7684\u81ea\u96c7\u4eba\u58eb\u6765\u8bf4\uff0c\u65e0\u8bba\u662f\u884c\u674e\u9057\u5931\u3001\u884c\u674e\u5ef6\u8bef\u3001\u98de\u673a\u5ef6\u8bef\u751a\u81f3\u662f\u9519\u8fc7\u8854\u63a5\u822a\u73ed\uff08\u9700\u7b26\u5408\u6761\u4ef6\uff09\u90fd\u6709\u76f8\u5e94\u7684\u4fdd\u969c\uff0c\u5bf9\u6bd4\u7533\u8bf7\u95e8\u69db\u4ee5\u53ca\u5176\u798f\u5229\u6765\u8bf4\uff0c\u662f\u975e\u5e38\u6709\u6027\u4ef7\u6bd4\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p>\u5176\u6b21\uff0cBSN\u7684\u4fe1\u7528\u5361\u8fd8\u6709\u63d0\u4f9b0%\u7684\u5206\u671f\u4ed8\u6b3e\u914d\u5957\uff0c\u6240\u4ee5\u5c31\u7b97\u662f\u6709\u7d27\u6025\u4e8b\u4ef6\uff0c\u4f8b\u5982\u5de5\u4f5c\u7535\u8111\u635f\u574f\u6216\u8005\u662f\u5bb6\u91cc\u9700\u8981\u6dfb\u8d2d\u4e00\u4e9b\u7535\u5668\uff0c\u9700\u8981\u4e00\u7b14\u8f83\u5927\u7684\u5f00\u9500\uff0c\u8fd9\u5f20\u4fe1\u7528\u5361\u5c31\u80fd\u591f\u6d3e\u4e0a\u7528\u573a\u4e86\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u7531\u4e8e\u5b83\u7684\u526f\u5361\u7533\u8bf7\u662f\u514d\u8d39\u7684\uff0c\u4f5c\u4e3a\u5bb6\u5ead\u884c\u7528\u5361\u4e5f\u662f\u975e\u5e38\u597d\u7684\u9009\u62e9\uff0c\u53ef\u4ee5\u8ba9\u5bb6\u4eba\u4e5f\u80fd\u900f\u8fc7\u6d88\u8d39\u79ef\u7d2f\u79ef\u5206\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\u95e8\u69db\/\u62b5\u62bc\u6570\u989d<\/strong><\/td><td><strong>\u4f18\u60e0\u798f\u5229<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Visa Classic<\/a> \u6216 <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-classic-credit-card?lang=en\" target=\"_blank\" rel=\"noopener\">BSN Mastercard Classic Credit Card<\/a><\/td><td>\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa\u81f3\u5c11 RM 2,000\u8d28\u62bc\u6570\u989d RM4,000<\/td><td>&#8211; \u514d\u5e74\u8d39<br>&#8211; \u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance Fee\uff09&nbsp;<br>&#8211; Happy Reward \u79ef\u5206<br>&#8211; \u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<br>&#8211; \u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<br>&#8211; \u4f4e\u606f\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212 \uff08BSN 0% EasyPay Plan (EPP)\u3001BSN EasyCash Plan\u3001BSN Instalment-Pay-Plan\uff09<br>&#8211; \u4fdd\u9669 Credit Shield<\/td><\/tr><tr><td><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/cash-back\/wise-card.html\" target=\"_blank\" rel=\"noopener\">Hong Leong Bank Wise Card<\/a><\/td><td>\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u6536\u5165\u81f3\u5c11 RM2,000\u8d28\u62bc\u6570\u989d\uff1a\u5728\u5b9a\u671f\u5b58\u5165 RM 2000 \u6216\u4ee5\u4e0a<\/td><td>&#8211; \u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.affinalways.com\/en\/affin-duo\" target=\"_blank\" rel=\"noopener\">Affin Duo<\/a><\/td><td>\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u6536\u5165\u81f3\u5c11 RM2,000<br>\u53ef\u4ee5\u900f\u8fc7\u6700\u4f4e\u8d28\u62bc\u91d1\u989d RM500 \u5230\u6700\u9ad8\u8d28\u62bc\u91d1\u989d RM10,000&nbsp;\u6765\u7533\u8bf7\u4fe1\u7528\u5361<\/td><td>&#8211; \u514d\u5e74\u8d393\u5e74<br>AFFIN DUO Visa Cash Back&nbsp;<br>&#8211; \u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<br>AFFIN DUO Mastercard Rewards&nbsp;<br>&#8211; \u79ef\u5206\u5956\u52b1<\/td><\/tr><tr><td><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/cash-back\/essential-card.html?icp=hlb-en-pdp-xsellfrom-wisecc-default-211118-left\" target=\"_blank\" rel=\"noopener\">Hong Leong Bank Essential Card<\/a><\/td><td>\u5e74\u6536\u5165 RM 24,000\uff1b\u6708\u85aa\u81f3\u5c11 RM2,000\u8d28\u62bc\u6570\u989d\uff1a\u5728\u5b9a\u671f\u5b58\u5165 RM 2000 \u6216\u4ee5\u4e0a<\/td><td>&#8211; \u73b0\u91d1\u56de\u6263\uff08Cash Rebates\uff09<\/td><\/tr><tr><td><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-gold-credit-card?lang=en&amp;csrt=7910136751862356075\" target=\"_blank\" rel=\"noopener\">BSN Gold Visa Credit Card<\/a> \u548c <a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Cards\/bsn-gold-credit-card?lang=en&amp;csrt=7910136751862356075\" target=\"_blank\" rel=\"noopener\">BSN Gold Master Credit Card<\/a><\/td><td>\u5e74\u6536\u5165 RM 36,000\uff1b\u6708\u85aa\u81f3\u5c11 RM 3,000\u8d28\u62bc\u6570\u989d RM4,000<\/td><td>&#8211; \u514d\u5e74\u8d39<br>&#8211; \u66f4\u4f4e\u7684\u8d22\u52a1\u8d39\uff08Finance Fee\uff09&nbsp;<br>&#8211; Happy Reward \u79ef\u5206<br>&#8211; \u83b7\u5f97\u7279\u5b9a\u5546\u5bb6\u7684\u6298\u6263<br>&#8211; \u514d\u8d39\u7684BSN Zing PLUSMiles\u5361<br>&#8211; \u514d\u8d39\u65c5\u884c\u4fdd\u9669<br>&#8211; \u4f4e\u606f\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212 \uff08BSN 0% EasyPay Plan (EPP)\u3001BSN EasyCash Plan\u3001BSN Instalment-Pay-Plan\uff09<br>&#8211; \u4fdd\u9669 Credit Shield<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u603b\u7ed3\"><strong>\u603b\u7ed3<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f5c\u4e3a\u81ea\u96c7\u4eba\u58eb\u6216\u81ea\u7531\u804c\u4e1a\u8005\uff0c\u5728\u5f97\u5230\u4e86\u66f4\u52a0\u7075\u6d3b\u7684\u751f\u6d3b\u65b9\u5f0f\u7684\u540c\u65f6\uff0c\u7533\u8bf7\u4fe1\u7528\u5361\u53ef\u80fd\u4f1a\u6bd4\u8f83\u590d\u6742\uff0c\u4f46\u9009\u62e9\u4e00\u5f20\u9002\u5408\u81ea\u5df1\u9700\u6c42\u7684\u4fe1\u7528\u5361\u53ef\u4ee5\u4e3a\u672c\u8eab\u4e1a\u52a1\u548c\u751f\u6d3b\u5e26\u6765\u66f4\u591a\u7684\u4fbf\u5229\u3002<\/p>\n\n\n\n<p>\u4ef7\u503c\u601d\u7ef4\u5df2\u7ecf\u4e3a\u5927\u5bb6\u6574\u7406\u4e86\u51e0\u4e2a\u53ef\u4ee5\u7533\u8bf7\u7684\u4fe1\u7528\u5361\uff0c\u7136\u800c\u5728\u7533\u8bf7\u4fe1\u7528\u5361\u4e4b\u524d\uff0c\u4e86\u89e3\u81ea\u5df1\u7684\u6536\u5165\u60c5\u51b5\u4ee5\u53ca\u4e0d\u540c\u4fe1\u7528\u5361\u7684\u4f18\u60e0\u548c\u6761\u6b3e\u662f\u975e\u5e38\u91cd\u8981\u7684\uff0c\u6bd5\u7adf\u80fd\u591f\u5408\u7406\u7684\u5229\u7528\u4fe1\u7528\u5361\uff0c\u624d\u80fd\u8ba9\u81ea\u5df1\u7684\u8d22\u52a1\u72b6\u51b5\u66f4\u52a0\u7a33\u5b9a\u3002<\/p>\n\n\n\n<p>\u7136\u800c\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5207\u8bb0\u4e00\u5b9a\u8981\u8d1f\u8d23\u4efb\u5730\u4f7f\u7528\u4fe1\u7528\u5361\uff0c\u5e76\u786e\u4fdd\u80fd\u591f\u6309\u65f6\u8fd8\u6b3e\uff0c\u4ee5\u7ef4\u62a4\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u8ba9\u4f60\u5728\u4e4b\u540e\u7533\u8bf7\u8f66\u8d37\u6216\u8005\u662f\u623f\u5c4b\u8d37\u6b3e\u65f6\u66f4\u52a0\u7684\u987a\u5229\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\/malaysia-top-5-no-annual-fee-credit-cards\/\"><strong>\u9a6c\u6765\u897f\u4e9a\u514d\u5e74\u8d39\u4fe1\u7528\u5361\u63a8\u8350\uff1a 5 \u5f20 no annual fee credit card<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/best-online-shopping-credit-cards\/\"><strong>\u7231 Online Shopping \u7684\u4f60\uff0c\u7edd\u5bf9\u4e0d\u80fd\u9519\u8fc7\u8fd97\u5f20 Shopee \u4fe1\u7528\u5361\u548c Lazada \u4fe1\u7528\u5361\uff01\u53cc11\u8d2d\u7269\u72c2\u6b22\u8282\u4e70\u4e70\u5356\uff01<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/beginner-guide-of-choosing-and-applying-for-credit-cards\/\"><strong>\u99ac\u4f86\u897f\u4e9e\u65b0\u624b\u4fe1\u7528\u5361\u5927\u5168\uff1a\u9996\u6b21\u7533\u8acb\u4fe1\u7528\u5361\u5fc5\u77e5<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" 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