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Factors Influencing the Selection of Islamic and Conventional Credit Cards Among Muslim Workers in Malaysia

Author

Listed:
  • Muhamad Zuhaili Saiman

    (Academy of Contemporary Islamic Studies (ACIS), Centre of Foundation Studies, University Technology MARA (UiTM), Dengkil Branch, Malaysia)

  • Nur Nabila Mohd Noorazam

    (Undergraduate Final Year Student, Academy of Contemporary Islamic Studies (ACIS), University Technology MARA (UiTM), Selangor, Malaysia)

Abstract

Malaysia is one of the countries known for its Islamic finance and banking sector but the usage rate of Islamic credit cards is still weak compared to the usage of conventional credit cards among Muslim consumers in Malaysia. This study aims to study the factors that contribute to the selection of credit cards among Muslim workers, especially in Selangor, which is also one of the states with the highest state of employment rate in Malaysia. This study uses a quantitative method with an online survey on the purpose sampling technique by respondents among Muslim workers who is experience in credit card usage. Through these findings, the researcher has also formulated several hypotheses related to the level of knowledge, behavior, intention to use, selection factors and customer satisfaction levels towards Islamic and conventional credit cards that they use. The data was analyzed through descriptive and inferential analysis using Excel and SPSS. The main results of the study showed that the level of knowledge and belief in sharia compliance among Islamic credit card users had a higher level of knowledge compared to conventional credit card users. However, the annual charge rate, rewards, attractive promotions and customer satisfaction encouraged Muslim users to continue choosing conventional credit cards. Therefore, more precise and convincing efforts need to be expanded to strengthen Islamic financial education among Muslim users in addition to providing more attractive promotions and service charges that are more profitable for both parties.

Suggested Citation

  • Muhamad Zuhaili Saiman & Nur Nabila Mohd Noorazam, 2026. "Factors Influencing the Selection of Islamic and Conventional Credit Cards Among Muslim Workers in Malaysia," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(1), pages 1494-1508, January.
    • Handle: RePEc:bcp:journl:v:10:y:2026:i:1:p:1494-1508
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    References listed on IDEAS

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    1. Sondra G. Beverly & Marianne A. Hilgert & Jeanne M. Hogarth, 2003. "Household financial management: the connection between knowledge and behavior," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Jul, pages 309-322.
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