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140 articles

Islamic Wealth Management in Malaysia (2026): Premier Tiers and Shariah Mandates
Where an affluent Muslim in Malaysia is actually served: CIMB Preferred at RM250,000, HSBC Amanah Premier at RM300,000, SC-licensed Islamic fund managers, hibah trusts and a model RM500,000 allocation.

Is a Credit Card Haram? Malaysian Fatwa Rulings and Islamic Cards (2026)
The Federal Territories Mufti, JAKIM and the Selangor Mufti's office all treat a conventional credit card as haram even when paid in full each month. What they said, why, and what a credit card-i changes.

Ta'widh and Gharamah Explained (2026): Late Payment Charges on Islamic Financing
Ta'widh is compensation the bank may keep, capped at 1% a year and never compounded; gharamah is a penalty that must go to charity. What BNM's SAC ruled, how CIMB prints it, and a worked RM1,500 example.

CIMB Platinum-i Credit Card Review (2026): Tawarruq, Points, Fees, Verdict
CIMB Islamic's Platinum-i card has no annual fee, earns 1 Bonus Point per RM1 and 5X on zakat, and moved from Ujrah to Tawarruq on 1 January 2026. We price it against Maybank Ikhwan and Bank Islam.

Islamic vs Conventional Home Loan Malaysia (2026): Which Costs Less?
Both products price off the same 2.75% SBR, but the Islamic facility adds a ceiling rate, a 20% stamp duty remission and an ibra' rebate instead of a penalty. We run RM500,000 over 30 years at printed rates.

Zakat on Income and Savings in Malaysia (2026): Nisab and Methods
How zakat on income (zakat pendapatan) and on savings is calculated in Malaysia: the 2.5% rate, the 2026 nisab published by PPZ-MAIWP and Lembaga Zakat Selangor, gross versus net methods and salary deduction.

CIMB Islamic Home Loan Review (2026): Flexi Home Financing-i Rate and Fees
CIMB Islamic's Flexi Home Financing-i is a Tawarruq facility with a linked SMIA-i account that offsets 100% of your deposit against daily profit. Rates from SBR + 2.05%, RM10 a month, and a RM500,000 example.

Maybank Ikhwan Credit Cards Compared (2026): Amex, Petronas, Visa, Mastercard
Maybank Islamic lists seven Ikhwan cards. We compare annual fees, income floors, cash back caps, the Petronas fuel rebate, the late payment charge and the December 2025 switch to Commodity Murabahah.

Is Touch 'n Go GO+ Halal? (2026): The Fund, the Returns and the Limits
GO+ buys units in Principal e-Cash Fund, an Islamic money market fund with its own Shariah adviser. What it holds, what it has actually paid, the RM20,000 cap, and how it compares with Islamic savings accounts.