RinggitPlus compares and help you apply credit cards, personal loans and housing loans.Find the best mortgage deal on your dream house or apartment, or simply discover great promotions and discounts.We will help you at every step of your application, from form submission to approval.

Credit Cards
Credit Cards
Compare the best credit cards
Find the credit card that meets your needs and apply online.
For Your Lifestyle
Choose a card for the way you live
Credit cards with deals and discounts that make the most of your lifestyle.
Balance Transfer
No more debt - instant 0% interest
Move your debt to a low interest balance transfer credit card.
Debit Cards
A safer way to shop online
Compare and apply for the best debit card for your daily transactions.
Cashback Credit Cards
Unlimited cash rebates every day
Get the best cashback credit cards in Malaysia for instant savings.
Travel Credit Cards
Airmiles and overseas travel deals
Choose the best travel credit cards in Malaysia and get free access to KLIA lounge.
Loans
Personal Loans
Borrow at the lowest interest rates
Find the lowest interest rates in Malaysia for the easiest personal loans.
Home Loans
Be sure you're getting the best deal
Simplify the process of getting your housing loan approved - get advice from our experts.
Car Loans
New or used we've got your covered
Find the best car loan for buying a new or second-hand, foreign or local vehicle.
Easy Payment Plans (EPP)
Buy with easy monthly instalments
You can afford it when you convert your shopping to simple monthly instalments.
Business Loans
Fund your next business venture
Working capital for SMEs and startups
Fast Approval Loans
Get cash within 24 hours
Personal loans with instant approval and fast cash disbursement.
Savings
Fixed Deposits
Invest at the best interest rates
Choose the best interest rates for your fixed deposit investment.
Savings Accounts
Earn interest on your savings
Get the best out of your deposits.
Current Accounts
Use cheques for easy payments
Great money management tool, with freedom to withdraw anytime.
Islamic Fixed Deposits
Find the best Islamic term deposits
Find the best Islamic General Investment Accounts in Malaysia.
Insurance
Term Life Insurance
Protection when the unexpected happens
Get the best term insurance for you and your loved ones
Medical Cards
Worry less on your next hospital visit
Get financial support for hospitalisation and surgery bills
Critical Illness
Financial support for medical treatment
Get covered from early diagnosis to full recovery from serious illness
Car Insurance
Easy and stress free motor claims
Keep your car protected on and off the road
Home Insurance
Secure your property and belongings
Compare the best house and contents insurance plans
Personal Accident Insurance
Stay protected from harm's way
Protect yourself and family with the best PA Takaful and Insurance policies
Travel Insurance
Get covered wherever you go
Find the best travel insurance for your holiday or business trip overseas
Whole Life Insurance
Life protection and savings for you and your family.
Compare life insurance plans and get a quote
Internet
Fibre and ADSL
Stay connected anywhere at home
Choose the best internet package for your needs and budget.
Mobile Broadband
Simply internet on the go
Shop mobile broadband plans for your computer, phone, or tablet.
Smartphone Plans
Grab your mobile and line with one simple plan
Compare all smartphone postpaid and prepaid plans, we've got all iPhone, Android, Blackberry and Windows phones
IPTV
Stream quality TV on any device
Bundle your internet plan with TV entertainment for the family.
Promotions
All Promotions
Best deals and offers in Malaysia
Discover the best credit card discounts, deals, and promotions in Malaysia.
Dining Discounts
Restaurant deals and discounts
Enjoy exclusive restaurant discounts and privileges in Malaysia.
Gadgets Discounts
Deals on gadget and media
Get the latest deals on the coolest gadgets in the market.
Fashion Discounts
Offers on clothing and acessories
Find attractive discounts on clothing, shoes, handbags and accessories.
House & Home Discount
Great deals on household items
Great discounts on household decorations, furniture and appliances.
My List
Save your favourite promotions
Bookmark all your favourite promotions instantly for you to access anytime.
How To…
All Articles
Important money tips and tricks
Saving cash; providing tips, tricks, news, and reviews for your money.
Banking Guides
Learn personal finance
Learn about banking basics or go in depth on specific finance topics.
How To Guides
Tutorials to help you save money
Learn how to manage your money with our collection of online tutorials.
Insurance Guides
Everything you need to know about Insurance
Let the Experts teach you about Insurance
Income Tax Calculator
Tools and FAQ guide for tax e-filing
Income Tax 101 with our easy to use calculator and tax guides.

Best Flexi Housing Loans in Malaysia

Flexi Loans let you pay money into your home loan whenever you want, and withdraw that cash whenever you like. Making mortgage overpayments and you'll be able to reduce your home loan principal, interest, and tenure. Full Flexi loans are often tied to a current or savings bank account to make it easier to manage your home financing, ideal for people with a variable income.

Guide on home loan basics

Bank logo	Home loan name and review	Interest Rate	Borrowed Amount	Monthly Repayment	Apply Online
HSBC HomeSmart	HSBC HomeSmart Life comes with lots of choices, housing loans shouldn't be any different. Choose to reshuffle your finances with extra repayments and convenient withdrawals! Free RM700 AEON Voucher - Only at RinggitPlus!2015-09-092018-08-31	Estimated Interest Rate 4.5% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2846.92	Read more Apply now
Citibank FlexiHome Loan	Citibank FlexiHome Loan A completely flexible home loan that lets you pay off your mortgage whenever you want! Pay extra when you can afford it or withdraw when you need extra cash. Complimentary Samsung Microwave Oven - Only at RinggitPlus!2016-11-292018-12-31	Estimated Interest Rate 15% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM	Read more Apply now
Public Bank ABBA HomeSave Financing-i	Public Bank ABBA HomeSave Financing-i Islamic home financing that linked to a Wadiah Current Account-i where you can deposit extra amount to reduce profit charged and withdraw excess repayment for personal use	Estimated Profit Rate 4.35% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2810.62	Read more Apply now
RHB My1 Full Flexi Home Loan	RHB My1 Full Flexi Home Loan A flexible mortgage plan allows you enjoy interest savings by depositing extra money and withdraw excess cash anytime at zero costs. Suitable for new purchase and refinancing!	Estimated Interest Rate 4.55% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2859.08	Read more Apply now
RHB Equity Home Financing-i	RHB Equity Home Financing-i Applicable for new purchase and refinancing, part-finance your dream house with RHB Islamic via Shariah compliant lease to own concept	Estimated Profit Rate 4.65% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2883.49	Read more Apply now
Hong Leong Mortgage Plus	Hong Leong Mortgage Plus An affordable mortgage plan with fully flexible istalments linked to your current account to reduce interest fees and maximise savings.	Estimated Interest Rate 4.75% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2908.01	Read more Apply now
CIMB HomeFlexi Smart	CIMB HomeFlexi Smart Take ownership of your dream house faster - enjoy flexibility of repayment and withdrawal of excess cash. In fact, there is no fee for setting up and processing of this home loan!	Estimated Interest Rate 5.3% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM3044.88	Read more Apply now
CIMB HomeFlexi Smart-i	CIMB HomeFlexi Smart-i With up to 90% margin of financing and flexibility to make prepayment and withdrawal, you can save more on profits and claim the property title quickly!	Estimated Profit Rate 5.3% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM3044.88	Read more Apply now