Banking Service Comparison

Recently, I have compiled some of the banking services provided by Malaysia's bank. My interest is to compare their services on Credit Cards, Personal Loan, ASB Financing, OD Facility, Home Loan and Hire Purchase. Basically, these services are the one that I am using, so I am comparing versus each bank to see if there is a better offer.

Look through my basic simple comparison below. Although the information might be limited, but at least you might be able to have some focus on the best services before you approach that bank for more information on your interested service.

Bank	Credit Card	Personal Loan	ASB Loan	OD Facility	Home Loan	Hire Purchase
Affin Bank Berhad	Annual Fee : RM50 Int 18% BT 6.88% 0% EPP	NA	NA	FD mortgage BLR+1% daily rest	MOF 95% 45yrs/75yo BLR-2.3% OD BLR-0.5%	MOF 90% Max 9yrs Fixed 4.00%
Alliance Bank Malaysia Berhad	Annual Fee : RM68 Int 18% BT 7.25% 0% EPP Rewards Point	Int 11.99% pa Up to 60mths Income >RM2k	NA	NA	MOF 90% 30yrs/65yo 1-5yr : BLR-1% >5yrs : BLR -1.2% OD BLR+0.79%	MOF 90% Max 7yrs Fixed 3.9%
AmBank (M) Berhad	Annual Fee : RM75 Int 17.5% BT 8.99% 0% EPP Rewards Point	NA	NA	NA	MOF 90% MRTA 30yrs/65yo BLR-2.05% OD BLR-0.5%	MOF 90% Max 9yrs Fixed 5.1% Var BLR
CIMB Bank Berhad	Free for Life Int 17.5% No BT 0% EPP Rewards Point	Income >RM800 Max 5yrs	Max RM200,000 BLR-1.65% OD available	Mortgage FD, CIG, CIMB Deposit, CIMB UT, ASNB BLR-2.00%	MOF 90% GMTA 30yrs/65yo BLR-2.05% No OD	MOF 90% Max 9yrs Fixed 3.25%
Citibank Berhad	Free for Life Int 17.5% BT 11.99% 0% EPP Rewards Point	Income >RM2000 Int 8.52% pa Up to 60mths	NA	Mortgage FD	MOF 89% 30yrs/65yo No OD	NA
EON Bank Berhad	Annual Fee : RM75 Int 17.5% BT 5.50% 0% EPP Rewards Point	Int 9.00% Up to 72months	NA	Existing Current Account	MOF 90% MRTA 30yrs/65yo 1-8yrs : BLR-1.6% >8yrs : BLR-2.3% OD BLR-0.6%	MOF 85% Max 7yrs Fixed 3.75% - 3.9%
Hong Leong Bank Berhad	Annual Fee : RM80 Int 17.5% BT 12% 0% EPP Rewards Point	Income >RM2000 Int 12% Up to 60mths	NA	NA	MOF 95% MRTA 30yrs/65yo 1yr : 2.38% 2yr : 3.38% >2yrs : BLR-0.95% OD BLR-0.75%	MOF 90% Max 9yrs Fixed 4.00%
HSBC Bank Malaysia Berhad	Annual Fee : RM80 Int 18% BT 12% 0% EPP Rewards Point	Income >RM2000 Int 10% Up to 60mths	NA	Existing Current Account BLR+1% - BLR+1.5%	No Info	No Info
Malayan Banking Berhad	Annual Fee : RM60 Int 18% BT 12% 0% EPP Rewards Point	NA	Max RM400,000 1-3yrs : BLR-1.65% >3yrs : BLR-1.5%	NA	MOF 90% MRTA 30yrs/60yo 1yr : 3.88% 2-4yr : BLR-1.1% >4yrs : BLR-1.0% OD BLR+1.0%	MOF 90% Max 9yrs Fixed 4.25% - 5.00% Var BLR+1.00%
OCBC Bank (Malaysia) Berhad	Annual Fee : RM70 Int 18% 0% EPP Rewards Point	NA	NA	Mortgage Property, FD, UT	MOF 90% MRTA 30yrs/65yo BLR-1.5% No OD	NA
Public Bank Berhad	Annual Fee : RM68 Int 17.5% 0% EPP Rewards Point	NA	NA	Existing Current Account	MOF 95% 40yrs/70yo 1yr : 3.37% 2yrs : BLR-1.0% 3-5yrs : BLR-0.2% 6-10yrs : BLR-0.3% 11-15yrs : BLR0.5% >15yrs : BLR-1.0% OD BLR-0.75%	MOF 90% Max 9yrs Fixed 4.23% - 4.89% Var BLF+0.99%
RHB Bank Berhad	Annual Fee : RM70 Int 17.5% BT 6% 0% EPP Rewards Point	NA	Max RM200,000 1yr : 3.8% >1yr : BLR-1.35% OD available (BLR-1%)	Mortgage FD, ASNB BLR-1.00%	MOF 90% MRTA 40yrs/65yo BLR-1.7% OD BLR+0.18%	MOF 90% Max 9yrs Fixed 3.75% - 4.00%
Standard Chartered Bank Malaysia Berhad	Annual Fee : RM90 Int 17.5% BT 7.99% 0% EPP Rewards Point	Income >RM2000 Int 17% Up to 60mths	NA	Mortgage FD, UT	Information Not Clear	NA
United Overseas Bank (Malaysia) Bhd.	Annual Fee : RM0 Int 17.5% BT 12% 0% EPP	Income >RM2000 Int 10.75% Up to 60mths	NA	Mortgage FD, UT	MOF 90% MRTA 40yrs/70yo 1-3yrs : 5.9% 4-10yrs : BLR-1.25% >10yrs : BLR-1.5%	NA

All the information above are gathered from respective bank website. For those column that information "Not Available" or "Not Clear", is because the information on their website is very limited.