1 2

Gender Age

Male Female 19-25 26-30 31-35 36-40 41-45 46 and above High School Degree Post Graduate Single Married with Children Married without Children Divorced less than Rs. 15000 15000-20000 20000-25000 25000-30000 30000-35000 35000-40000 40000-45000 45000-50000 50000 and above VISA MASTERCARD OTHERS While studying Since Employed Once having stable income Family Relatives Friends Promoted by Salesman only 1 1 until 3 4 until 5 More than 5 Once 3 times 5 times More than 5

Highest Educational Background

Marital Status

Salary

Types of Membership

First time using Credit Card

Who influenced to have credit card

Total Credit cards

10

Usage Frequencies

S.N o

Questions

Rank

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I use credit card as a medium of transaction I use credit card for status purposes I use credit card because its easy to carry anywhere I use credit card as means of credit I use credit card because I do not have to carry too much cash in the pocket Credit card gives convenience to daily life transaction I am not burdened to pay back the credit I can control my cash outflow by using credit card I use my credit card when there is no cash in hand I use my credit card when buying something in bulk amount I use my credit card every time it deal with buying I use my credit card during emergency time I choose my existing credit card because of easy payment I choose my existing credit card because of easy access I choose my existing credit card because of their benefits and facilities provided I choose my credit card because of free annual fee I choose my credit card because of interest free I choose my credit card because according to Shariah rules and regulation I understand with the concept applied in my credit card The credit card do satisfy my utilities I do not face difficulty to pay back the amount I use the credit card when traveling I prefer to use my credit card when I went to shopping I use my credit card when I am dealing with buying goods I use my credit card when rendering services I use my credit card to settle my bills I prefer to use my credit card when buying goods through internet I use my credit card to donate online

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I use my credit card to pay zakat I prefer to used my credit card when buying catalogue product

S.N o. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Question The online services and access provided by Islamic Credit Card issuers are more efficient and fast compared to Conventional Credit Card issuers. The services provided by Islamic Credit Card issuers are more proactive and efficient compared to Conventional Credit Card issuers. The gifts and prizes offered by Islamic Credit Card issuers are more interesting and attractive compared to Conventional Credit Card issuers. I never experience any technical problem with my card when making purchases. When I register for my Islamic Credit Card, I receive a lot of offers and prizes from the card issuer. All Islamic Credit Cards are riba-free while all conventional Credit Cards apply riba transaction. I am able to redeem prizes and gifts from my transaction using my Islamic Credit Card issuer after certain points. I can easily make online payment on any transaction/bills using my Islamic Credit Card in internet. I always get the bills on time from my Islamic Credit Card issuer Malaysia is the first county introducing Islamic Credit Card. I always receive attractive promotions on selected products from my Islamic Credit Card issuer. The promotion conducted by Islamic Credit Card issuers is more aggressive compared to Conventional Credit Card issuers My application for Islamic Credit Card is easy, fast and it does not take long period of time (long period means more than one month). Without outstanding balance, the application of contracts in all Islamic Credit Cards is similar to a Conventional Credit Card contract. I always receive reminders from my Islamic Credit Card issuer regarding my over-expenses transactions.

Ran k