iMoney review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
iMoney is a comparison site based in Malaysia rather than a card issuer, and it suits business customers who want business credit card offers side by side before applying. The annual fee on the cards listed is MYR 0, with APR of 13.5% to 17.5%.
Key facts
- Best for
- Business customers comparing business credit card offers, fees and interest rates in one place, online.
- Annual fee
- MYR 0 (Source, checked September 26, 2026)
- APR
- 13.5% to 17.5% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Free comparison of loans, credit cards, insurance, savings and investment products, 100% online application, Free financial calculators, articles and jargon-free money tips, Customer Care Agent advice, IMoney Financial Advisory and Home Loan Advisory services (Source, checked September 26, 2026)
- Legal entity
- Intelligent Money Sdn Bhd (1005180-T) (Source, checked September 26, 2026)
- Headquarters
- Malaysia (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Audience
- Business
- Official website
- imoney.my
Debit cards
Apps and profiles
Pros and cons
Pros
- Annual fee of MYR 0 a year, ranking 1 of 301 cards on that measure.
- APR of 13.5% to 17.5% sits under the 20.85% median for credit cards on the site.
- The comparison covers credit cards alongside loans, insurance, savings and investment products, with applications run fully online.
- Customer Care Agent advice and financial and home loan advisory, alongside money calculators and plain language tips.
Cons
- The rewards type is none, so there is nothing to earn back on everyday spend.
- Support runs on email, chat and help centre only, with no phone line offered.
- The audience is business only, so nothing in the matching is aimed at personal users.
Who it suits
- Business customers in the region: the audience is listed as business and the business credit card part of the comparison matches that focus.
- Borrowers who want the interest rate in view before applying, since APR runs 13.5% to 17.5% while the rewards type is none.
- Customers who prefer an agent to a form, with Customer Care Agent advice and financial and home loan advisory listed among the perks.
Who should look elsewhere
- Chime Card, if you would rather open a secured card directly with an issuer, since its annual fee is $0 and no matching step sits in between.
- Wise, whose card annual fee is £0, if you want a single card rather than a shortlist of business credit cards.
- Varo Believe Secured Credit Card, if you want one secured card with an annual fee of $0 instead of a matching service.
How iMoney compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.2
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where iMoney is available
- Available
- Malaysia, Philippines
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does iMoney issue a credit card itself?+
iMoney is a comparison site based in Malaysia, so it sets cards from other providers side by side rather than issuing one. It trades under Intelligent Money Sdn Bhd (1005180-T), and applications run fully online from the comparison rather than from a branch.
What does the iMoney comparison cost?+
Its own service is listed among the perks with money calculators, articles and plain language tips. The annual fee on the cards it lists is MYR 0, which ranks 1 of 301 cards on that measure.
What APR do the listed business credit cards charge?+
APR on the cards iMoney lists runs 13.5% to 17.5%, which sits under the 20.85% median for credit cards on the site and under the 17.5% for business cards. Borrowing still costs, so clearing balances matters.
Do the iMoney cards pay cashback or points?+
The rewards type on its listed cards is none, so there is nothing to earn back on everyday spend. Across credit cards on the site, cashback appears in 37.2% of cases and no rewards in 41.5%.
Who is iMoney aimed at?+
The audience is listed as business, and the comparison covers credit cards, loans, insurance, savings and investment products. Support runs on email, chat and help centre, so help arrives by email, chat or the help centre.
How do I apply for a card through iMoney?+
Applications run fully online, with money calculators, articles and plain language tips alongside. The cards listed carry an annual fee of MYR 0 and APR of 13.5% to 17.5%, so the cost of a carried balance can be checked before applying.
What happens if I carry a balance on an iMoney listed card?+
Interest applies at 13.5% to 17.5% on balances carried, which sits below the 21.47% shown for balance transfer cards and the 20.85% across credit cards. Cardholders still pay to carry debt, so the shortlist is worth reading closely.
How long has iMoney been running?+
iMoney was founded in 2012 and trades under Intelligent Money Sdn Bhd (1005180-T), based in Malaysia. The listings it shows carry an annual fee of MYR 0 and a rewards type of none, so cardholders weigh interest cost rather than earn back.
Sources
- imoney.my checked September 26, 2026
Backs: Audience, Headquarters, Legal entity, Perks, Support channels
“BUSINESS FINANCING - Business Loan”
- imoney.my/about-us checked September 26, 2026
Backs: Founded
“Since we started in 2012, our purpose of helping people reach their goals through good money decisions”
- imoney.my/credit-card checked September 26, 2026
Backs: APR
“Interest rates for credit cards in Malaysia commonly range between 13.5 - 17.5% p.a.”
- imoney.my/disclaimer checked September 26, 2026
Backs: Annual fee, Pricing model, Rewards type
“Our services are 100% FREE. iMoney does not collect ANY payment or money in cash or in kind.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.
iMoney
Business customers comparing business credit card offers, fees and interest rates in one place, online.