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