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    Bank Islam Credit Card

    Bank Islam offers you a wide range of credit cards. You can choose a card according to your lifestyle and everyday spending requirement. These cards can be used to carry out retail transactions, access cash, and pay bills. The cards have a contract period of 3 years and come with no joining fee.

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    Features and Benefits

    • Get a credit limit up to 3 times your monthly salary.
    • Enjoy an annual fee waiver when you use your card at least 12 times per calendar year.
    • Enjoy complimentary takaful protection with your cards.
    • Enjoy easy access to cash with a low cash withdrawal fee.
    • Enjoy a lower rate of finance charges with Bank Islam credit cards.
    • Convert the bills of your purchases into easy monthly instalments via RSVP Program and Easy Instalment Plan.
    • Transfer outstanding balances from other banks’ cards on to your Bank Islam card via balance transfer facility.
    • Pay bills via Zakat payment feature on Bank Islam credit cards.
    • Enjoy a 20-day finance charge-free period with your Bank Islam cards.

    Bank Islam Credit Cards – An Overview

    Card name Ideal for Key benefit Annual fee
    Bank Islam Visa Infinite Credit Card-i Travelling Get 3X access to premium airport lounges in Malaysia and Singapore. RM823.62
    Bank Islam World Mastercard Credit Card-i Travelling Get complimentary access to airport lounges in Singapore and Malaysia thrice a year. RM823.62
    Bank Islam Mastercard Platinum Credit Card-i Bill payments and retail purchases Pay bills via Zakat payment and enjoy special discount on bank’s Easy Payment Programs. RM411.28
    Bank Islam Visa Platinum Credit Card-i Retail purchases Earn 1 Trupoint with every RM1 spent on retail transactions. RM411.28
    Bank Islam Mastercard UiTM Alumni Platinum Credit Card-i Retail purchases and auto-bill payment Enjoy discounts on Easy Payment Plan and Mail Order Telephone Order and pay bills easily via Zakat payment. RM411.28
    Bank Islam Visa Gold Credit Card-i Retail transactions and emergency cash withdrawal Get discounts on Easy Payment Scheme and MOTO Programmes. RM137.80
    Bank Islam Mastercard Gold Credit Card-i Emergency cash access and carrying out retail transactions Enjoy discounts on MOTO Programme and Easy Payment Plan. RM137.80
    Bank Islam Visa Classic Credit Card-i Retail transactions and access to cash during emergencies Get discounts on Easy Payment Plan and MOTO Programme. RM63.60
    Bank Islam Mastercard Classic Credit Card-i Retail transactions and emergency cash withdrawal Get discounts on MOTO Programme and Easy Payment Scheme. RM63.60

    *Interest Rates: 13.5% to 17.5% p.a.

    Best Bank Islam Credit Cards

    Bank Islam Visa Platinum Credit Card-I – Best for Rewards

    • Earn 1 Trupoint with every RM1 you spend using this card on retail purchases.
    • Get a 20-days finance charge-free period.
    • Enjoy a discount of 40% on will writing fees.
    • Enjoy an annual fee waiver by performing 12 transactions on the card per year.
    • Get easy access to cash with a low cash withdrawal fee.
    • Enjoy privileges and discounts on Easy Payment Plan and MOTO Programme.
    • Get a credit limit of up to 3 times your monthly salary.

    Bank Islam World Mastercard Credit Card-I – Best for Travel

    • Get 3X complimentary access to premium airport lounges in Singapore and Malaysia.
    • Get annual fee waiver on your card by performing 12 or more transactions in a calendar year.
    • Get a finance charge-free period of 20 days with the card.
    • Make easy reservations for golf courses, hotels, car services, luxury yachts, and private jets with this card.
    • Get 24/7 Mastercard global services like emergency card replacement, emergency cash advance, and travel assistance.
    • Enjoy free takaful protection with this card.
    • Enjoy special discounts with the MOTO Programme and Easy Payment Schemes.

    Rewards Programme

    • TruRewards programme: You can earn Trupoints with every retail transaction performed on your Bank Islam Visa Platinum Credit Card-i. You can accumulate these points and redeem them to get a wide variety of services and products like vouchers, electrical goods, gadgets, and much more from the Rewards catalogue.

    Bank Islam Credit Card Promotions

    • Enjoy a discount of up to 10% at Sixt Rent a Car in more than 105 countries with your Bank Islam Visa cards. The offer is valid till 31 December 2018.
    • Get 10% off on room bookings and a complimentary breakfast for two at Preferred Hotels and Resorts in more than 275 locations with your Bank Islam Visa credit cards. The promotion is valid till 31 December 2018.
    • Get up to RM10 discount on car battery inspection and installation via bateriku.com. This is an ongoing promotion and is valid till 31 December 2018.

    Payment Plans

    • Easy Payment Plan: With Bank Islam’s Easy Payment Scheme, you can convert the bill of your retail purchase at participating merchants into affordable and easy monthly instalments of up to 36 months.
    • Mail Order Telephone Order (MOTO) Programme: With the MOTO Programme, you can make payments without physically presenting your card.
    • Zakat Payment: With the Zakat payment method, you can make payment via placing a standing instruction on your card.
    • RSVP Program: With the RSVP program, you can convert the bill of your purchase into instalments of up to 12 months with just a one-time handling fee.

    Balance Transfer Plans

    You can transfer a minimum outstanding balance of RM500 from other banks’ cards onto your Bank Islam card at a rate of 6% p.a. for a period of 12 months.

    Insurance Plans

    • Takaful coverage: Bank Islam cards come with a takaful protection against death and total permanent disability. The coverage also covers funeral expenses.
    • Travel insurance: A range of Bank Islam cards also come with a complimentary travel accident insurance of up to RM1 million.

    Eligibility Criteria

    • Minimum age requirement for principal card: 21 years.
    • Minimum age requirement for supplementary card: 18 years.

    Documents Required

    • One copy of NRIC.
    • Copies of income proof documents.
    • Copy of tax payment proof.

    Fees and Charges

    Fee Amount
    Annual fee (Primary card) Bank Islam Visa Infinite Credit Card-i: RM823.62.
    Bank Islam World Mastercard Credit Card-i: RM823.62.
    Bank Islam Mastercard Platinum Credit Card-i: RM411.28.
    Bank Islam Visa Platinum Credit Card-i: RM411.28.
    Bank Islam Mastercard UiTM Alumni Platinum Credit Card-i: RM411.28.
    Bank Islam Visa Gold Credit Card-i: RM137.80.
    Bank Islam Mastercard Gold Credit Card-i: RM137.80.
    Bank Islam Visa Classic Credit Card-i: RM63.60.
    Bank Islam Mastercard Classic Credit Card-i: RM63.60.
    Annual fee (Supplementary card) Bank Islam Visa Infinite Credit Card-i: RM352.98.
    Bank Islam World Mastercard Credit Card-i: RM352.98.
    Bank Islam Mastercard Platinum Credit Card-i: RM159.
    Bank Islam Visa Platinum Credit Card-i: RM159.
    Bank Islam Mastercard UiTM Alumni Platinum Credit Card-i: RM159.
    Bank Islam Visa Gold Credit Card-i: RM63.60.
    Bank Islam Mastercard Gold Credit Card-i: RM63.60.
    Bank Islam Visa Classic Credit Card-i: RM31.80.
    Bank Islam Mastercard Classic Credit Card-i: RM31.80.
    Retail interest rate 13.5% to 17.5% p.a.
    Cash advance interest rate 18% p.a.
    Cash advance fee At Bank Islam ATMs: RM12.72 or 2.65% of the cash withdrawn, whichever is higher.
    At other bank ATMs: RM53 or 3.18% of the cash withdrawn, whichever is higher.
    Minimum monthly payment RM50 or 5% of the outstanding balance as on the date of statement of account processing.
    Late payment fee RM5 or 1% of the outstanding amount, whichever is higher (Max. RM50).
    Overseas transaction fee The conversion rate is determined by Visa or Mastercard international on the date of transaction.

    Activating or Cancelling Your Card

    To activate your Bank Islam credit card, you need to visit Bank Islam’s official website and fill in the following details:

    • Full name.
    • NRIC number.
    • Mother’s maiden name.
    • Employer name.
    • Last 4 digits of your card.
    • Card’s expiry date, and
    • The registered phone number.

    After you fill in the required details, you need to submit the form to activate your card.

    If you wish to discontinue your credit card, you are required to submit a request for the same to the bank via the following bank islam hotline numbers:

    • +603-2088 8000.
    • +603-26 900 900.

    Credit Card Statements

    You can receive a physical copy of your statement to your registered address by paying a fee of RM5.30 per copy. You can also check the e-statements of your card on the official website of the bank via internet banking.

    Security Features

    • Pin and Pay: Your card comes with a PIN. Your PIN-enabled card allows you to carry out secure transactions at point-of-sales (POS) terminals via a 6-digit PIN.
    • Embedded EMV chip: Bank Islam cards come with an embedded EMV chip (SMART Chip) that helps you make purchases securely.

    How to Increase or Decrease the Credit Limit

    If you wish to increase or decrease the dedicated limit on your Bank Islam card, you are required to fill up the credit limit increase/decrease /upgrade/downgrade form available on the bank’s official website.

    Frequently Asked Question’s

    Q. What are the tenures available with Bank Islam’s RSVP program?

    A. The available tenures with Bank Islam’s RSVP program are 6, 9, and 12 months.

    Q. What are the fees and charges associated with RSVP program?

    A. RSVP program charges you with just one-time handling fee of 4.77% of the total amount.

    Q. What is the maximum credit limit I can get with my Bank Islam credit card?

    A. The credit limit of your card depends upon your monthly salary.

    • Twice your monthly salary if your annual income ranges between RM24,000 to RM36,000.
    • Thrice your monthly salary if your annual income is more than RM36,000.

    Q. Can I carry out a retail transaction on my card without using my PIN?

    A. Yes, you can pay for retail transactions using payWave (contactless) feature. The maximum transaction amount allowed with a contactless payment is RM250.

    Q. What is the minimum amount I can convert into monthly instalments using Instalment Payment Plan?

    A. The minimum amount associated with a 3-month Instalment Payment Plan is RM150. The minimum amount may vary from tenure to tenure.

    Q. What are the documents I need to submit for Balance Transfer Programme?

    A. If you wish to opt for balance transfer on your Bank Islam card, you need to present the following documents:

    • Copies of the other card or cards (Only front side).
    • Copies of the credit card statements for the last 2 months for other bank card/cards.

    Q. Can I apply for Bank Islam credit card if I have I don’t have any income proof document?

    A. Yes, you can apply for Bank Islam credit card even if you don’t have an income proof given that you meet with the age requirement of the card. In such a case, you are required to deposit an amount equivalent to the Bank Islam credit card limit you apply for in Bank Islam’s Term Deposit-i. You are also required to maintain the amount in Bank Islam’s Term Deposit-i for the duration for which your card is active.

    Q. What should I do if I lose my card?

    A. In case of a lost or stolen card, you should inform the bank about the same in order to prevent any fraudulent transaction on the card. By doing the same, your card will get blocked and a new card will be issued.

    Q. What is the charges I need to bear if I want to get a new card issued to my name?

    A. A card replacement will cost you an amount of RM50.

    Q. Is there a joining fee associated with Bank Islam credit cards?

    A. No, there’s no joining fee associated with Bank Islam cards.

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