Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

APA ITU KAD CAJ, KAD DEBIT DAN KAD KREDIT?

Salam pembaca blog pemikir kaya!

Baiklah sebagaimana yang telah saya janjikan sebelum ini, kali ini kita akan mengetahui perbezaan di antara ketiga-tiga ‘alat’ pembayaran ini sebagai salah satu bentuk kemudahan bayaran yang ada dalam dunia kewangan pada masa kini.

KAD KREDIT

Kad kredit adalah sejenis kad yang membenarkan anda untuk berbelanja terlebih dahulu sejumlah amaun kredit yang telah ditetapkan untuk setiap kad yang dikenali sebagai had kredit.

Terdapat dua jenis kad kredit yang digunakan meluas iaitu MASTERCARD dan VISA.

Sebagai contoh sekeping kad kredit mempunyai had kredit berjumlah RM3,000 maka pemegangnya boleh menggunakan sehingga jumlah tersebut untuk membuat bayaran.

Ingat membuat bayaran bukannya untuk berhutang :) !

Dan setiap bulan pemegang kad kredit akan menerima bil urusniaga yang dibuat serta arahan untuk menjelaskan bayaran pada tempoh masa yang telah ditetapkan.

Biasanya pihak pengeluar kad kredit (biasanya bank dan syarikat kewangan) memberikan kebenaran dan pilihan untuk menjelaskan keseluruhan baki atau sekadar bayaran minima 5% daripada baki tertunggak yang perlu dibayar.

Awas! Jika anda hanya membayar 5% daripada baki tertunggak, maka anda terpaksa membayar ‘interest’ atau faedah tambahan sekitar 1.5% hingga 1.75%  sebulan ke atas baki tertunggak!

Jadi untuk mengelakkannya, jelaskan keseluruhan urusniaga bil  kad kredit anda sebelum tempoh masa yang telah ditetapkan.

Selain itu kad kredit juga menawarkan kemudahan ‘Cash Advance’ atau dalam bahasa melayunya Pendahuluan Tunai.

Apa itu Pendahuluan Tunai?

Saya akan jelaskan dalam artikel seterusnya…

KAD DEBIT

Kad debit pula adalah sejenis kad pembayaran di mana baki di dalam akaun tabungan atau semasa anda akan dikurangkan dengan serta-merta mengikut jumlah urus niaga yang dibuat.

Ini bermakna untuk menggunakan kad debit kita perlu memastikan yang akaun kita memilki jumlah simpanan atau wang yang mencukupi sebelum kita boleh membuat sesuatu bayaran.

Biasanya terdapat syarat khusus yang perlu dipatuhi dalam penggunaan kad debit ini iaitu dengan memastikan terdapat baki minima yang perlu ditinggalkan pada baki akaun kad debit kita.

Sebagai contoh kita telah memasukkan sejumlah RM1,000 ke dalam akaun kad debit kita dan kita tidak boleh membelanjakannya kesemuanya sekali, baki minima sekurang-kurangnya RM25 (bergantung kepada pengeluar kad debit) perlu ditinggalkan.

Terdapat beberapa jenis kad debit di Malaysia. Contohnya Bankcard yang merupakan kad ATM keluaran bank perdagangan tempatan.(Yang ini biasanya baki minima RM10 tetapi ada juga RM1)

Terdapat juga kad debit antarabangsa seperti VISA Electron dan MasterCard Electronic yang boleh digunakan di kedai saudagar yang mempamerkan logo yang berkaitan.

KAD CAJ

Kegunaan kad caj adalah sama dengan kad kredit, kecuali anda harus menjelaskan keseluruhan baki belum jelas yang tercatat dalam penyata bulanan anda sebelum tarikh tamat tempoh.

American Express dan Diners Club adalah dua daripada jenama kad caj yang terkemuka di Malaysia.

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11 Responses to “APA ITU KAD CAJ, KAD DEBIT DAN KAD KREDIT?”

  1. Thinkerich says:

    azezul,

    Thanks..

  2. Wan Perlis says:

    search apa itu kad debit.
    jumpa blog ni.
    tq

  3. Thinkerich says:

    Wan Perlis,

    Terima kasih kembali :)

    Semoga bermanfaat…

  4. Wan perlis says:

    teringin nak ada kad debit.
    kad debit ni ada caj bulanan atau tahunan tak?
    klo ada parah la.
    kad debit cimb baki terendah rm berapa ye?

  5. Thinkerich says:

    Wan perlis,

    Kad debit seperti juga kad kredit dikenakan caj tahunan..

    Tetapi sesetengah pengeluar kad debit ini ada menetapkan jumlah minima pengunaannya contoh RM1,200 setahun…

    Jika guna lebih daripada itu, tiada caj tahunan dikenakan, dengan kata lain..dikecualikan a.k.a ‘waive’

    Maaf saya tidak ada maklumat tentang kad debit CIMB…boleh bertanya terus kot kat mana-mana branch CIMB :)

  6. aaa says:

    Cmne nk sahkan akaun paypal guna kad debit?

  7. ERY says:

    Assalamu’alaikum dan Salam Sejahtera!
    Saya hendak memberi sedikit info.

    SmartLink2U adalah kad prabayar MasterCard PERTAMA dengan bank di Malaysia. Kalau dilihat kepada trend @ fesyen…

    Trend Penggunaan Kad:-
    1. Kad Kredit (kad hutang)
    2. Kad Debit (perlu buka akaun)
    3. Kad PraBayar (terkini~!!)

    SmartLink2U adalah kepunyaan SmartLink International Sdn Bhd. AmBank adalah Rakan Niaga Perbankan. Uptrend adalah Rakan Niaga Networking.

    Kad Yang PERTAMA seumpamanya di Malaysia (malahan dipercayai yang PERTAMA DI DUNIA!) iaitu Kad SmartLink2U-AmBank PraBayar MasterCard, yang TIDAK memerlukan syarat gaji minima dan TIDAK perlu membuka akaun dengan bank! (senarai hitam juga boleh!). Ini bermakna, sesiapa sahaja samada warganegara Malaysia atau tidak, yang berumur 12 tahun ke atas layak untuk menggunakan Kad SmartLink2U-AmBank PraBayar MasterCard ini!

    5 ciri-ciri istimewa didalam satu kad:-
    • Kad keahlian
    • Kad diskaun
    • Kad kesetiaan (Loyalty)
    • Prabayar MasterCard
    • Menjana pendapatan

    9 Kelebihan Kad SmartLink2U-AmBank Prabayar MasterCard:-
    • PERTAMA di Malaysia
    • Nikmati 30% rebet tunai peribadi
    • PERCUMA RM300 baucer diskaun
    • PERCUMA RM10,000 PA insurans
    • PERCUMA kos pengaktifan (cepat & pantas)
    • Diiktiraf di seluruh dunia
    • Kemudahan ‘online shopping’
    • Nikmati ganjaran pemegang kad rujukan
    • Nikmati ganjaran mata S-Points disetiap Rakan Niaga SmartLink2U (Merchant/Co-Brand)

    Kad SmartLink2U-AmBank PraBayar MasterCard memang menggunakan Kad NeXG AmBank sebagai asas/platform, tetapi Kad SmartLink2U-AmBank PraBayar MasterCard telah mendahului Kad NeXG AmBank. Antaranya:-

    1.Maksimum jumlah yang boleh disimpan dalam kad
    a.Kad NeXG AmBank – RM10,000.00
    b.Kad SmartLink2U-AmBank PraBayar MasterCard – RM50,000.00

    2.Jumlah pemegang kad
    a.Kad NeXG AmBank (mula 2001) – 200,000++ pengguna
    b.Kad SmartLink2U-AmBank PraBayar MasterCard (mula 2006) – 420,000++

    Caj bulanan kepada pemegang Kad SmartLink2U-AmBank Prabayar MasterCard ialah RM3.00 dikenakan oleh AmBank Group. Kenapa?? Kerana pemegang Kad SmartLink2U-AmBank Prabayar MasterCard menggunakan sistem AmBank Group. Termasuklah mesin auto-teller (ATM), Cash Deposit Machine (CDM), online banking (penyata penggunaan Kad SmartLink2U-AmBank Prabayar MasterCard boleh didaftar & dilihat di https://ambank.amonline.com.my/)

    Sebenarnya caj 2% itu dikenakan oleh bank terhadap pada peniaga sebagai sewa sistem dan mesin swipe kad. Cas itu akan di ‘waive’ sekiranya transaksi mencapai kuantiti yang besar. Peniaga sepatutnya faham Kad PraBayar bukan kad hutang seperti kad kredit. Peniaga tidak faham fungsi Kad PraBayar sebenarnya, oleh itu kita sebagai pengguna perlu menyampaikan info yang tepat kepada mereka.

    Kekuatan SmartLink2U ialah.. SELAGI ORANG BERBELANJA~!! (adakah anda semua akan berhenti berbelanja??)

  8. ERY says:

    Oh ya.. Kad SmartLink2U-AmBank Prabayar MasterCard juga TIDAK dikenakan caj RM50.00 setahun oleh Kerajaan Malaysia.

  9. mardhiah says:

    pe beza masterkad dgn visa?

  10. Thinkerich says:

    Mardhiah,

    Kedua-duanya adalah syarikat pengeluar kad kredit, contoh macam dalam minuman cola , coca cola dengan pepsi, kalau kereta BMW dengan Mercedes..

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