• Bank Islam Debit Card

    Bank Islam offers a number of debit cards that come with varied features and characteristics. The Bank Islam Debit Card (BIDC-i) works on the Ujrah concept of Islamic banking where one party pays for the services rendered by another party.

    Let’s have a look at the different debit cards offered by the bank:

    List of Bank Islam Debit Cards

    Card Name Annual Fee Daily Cash Withdrawal Limit
    Bank Islam Visa Team Harimau Debit Card-i RM13.78 Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Kelantan FA The Red Warriors Debit Card-i As per the bank’s discretion Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Pahang FA Debit Card-i As per the bank’s discretion Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Kedah FA Debit Card-i As per the bank’s discretion Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Selangor FA Red Giants Debit Card-i As per the bank’s discretion Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Melaka United SA Debit Card-i As per the bank’s discretion Cash Withdrawal: RM10,000 Purchase Limit: RM5,000
    Bank Islam Visa Debit Card-i Malaysia Hockey Confederation (MHC) RM13.78 Cash Withdrawal: RM10,000 Purchase Limit: RM5,000

    Types of Bank Islam Debit Cards

    There are 7 different types of debit cards offered by Bank Islam. They are:

    • Bank Islam Visa Team Harimau Debit Card-i
    • Bank Islam Visa Kelantan FA The Red Warriors Debit Card-i
    • Bank Islam Visa Pahang FA Debit Card-i
    • Bank Islam Visa Kedah FA Debit Card-i
    • Bank Islam Visa Selangor FA Red Giants Debit Card-i
    • Bank Islam Visa Melaka United SA Debit Card-i
    • Bank Islam Visa Debit Card-i Malaysia Hockey Confederation (MHC)

    Features and Benefits of Bank Islam Debit Card

    • A Bank Islam Debit Card is accepted for payments and purchases internationally.
    • The card protects your online purchases with the ‘3D secured’ feature that safely safeguards your online fund transactions.
    • The Bank Islam cards offer a Contactless Transaction facility which is known as payWave. You can simply wave the card at any POS terminal equipped with the payWave reader and your payment is marked against the card.
    • Daily purchase limit for the Contactless Transaction aka payWave transaction on the Bank Islam debit card is RM2,000 for an adult cardholder and RM300 for a minor BIDC-i cardholder.

    Bank Islam Debit Card Eligibility Criteria and Documents Required

    Eligibility criteria:

    • Nationality criterion: Malaysian citizen and permanent resident.
    • Age criteria: Minimum 18 years old. Minors between 12 years old and 18 years old can apply for a debit card (except for UniDebit card) with written parental consent.
    • A minor needs to open a Wadiah Savings Account-i to access a debit card.

    Documents required:

    • A copy of MyKad or NRIC for identification.
    • Documents for residential proof.
    • Any other document as requested by the bank.

    Bank Islam Debit Card Fees and Charges

    Bank Islam Debit Card Fees and Charges
    Annual Fee VISA Debit Card-i University (Unidebit) = RM10.60 VISA Debit Card-i Harimau payWave = RM13.78 VISA Debit Card-i State Football Club payWave = RM15.90 VISA Debit Card-i Malaysia Hockey Confederation payWave = RM13.78
    Issuance Fee VISA Debit Card-i University (Unidebit) = RM10.60 VISA Debit Card-i Harimau payWave = RM12.72 VISA Debit Card-i State Football Club payWave = RM12.72 VISA Debit Card-i Malaysia Hockey Confederation payWave = RM12.72
    Bank Islam Cash Withdrawal Free
    Cash Withdrawal at ATMs via MEPS RM1.06 for each withdrawal (for local banks) RM4.24 for each withdrawal (for overseas banks)
    Cash withdrawal via Visa Plus RM10.60 for each withdrawal
    Overseas Transaction Conversion Charges As per the exchange rate determined by VISA
    Card Replacement Charges (lost, stolen, or damaged) VISA Debit Card-i Harimau payWave = RM12 VISA Debit Card-i State Football Club payWave = RM12 VISA Debit Card-i Malaysia Hockey Confederation payWave = RM12

    Bank Islam Debit Card Hotline/Customer Care Number

    If you have any queries regarding the card or want to make any requests for services, you can contact the bank’s customer care department on the hotline number: +603 26 900 900. You can also send in an email to [email protected]

    Bank Islam Debit Card FAQs

    Q. I have a Bank Islam Debit Card with a joint account holder. Can I register for the online banking facility to access this joint account?

    A. No, to access the online banking facility, you need to apply for an individual card as the facility is currently not available for a joint account holder. 

    Q. Where can I find an auto debit cancellation form? 

    A. An auto debit cancellation form is available on the official website of the bank along with the lost or stolen card form.  

    Q. How can I find out the expiry date of my debit card?

    A. You can see the validity of your debit card on the card itself. The expiry date (month and year) is given just below the debit card number with the caption ‘VALID THROUGH’. Moreover, 3 months prior to the expiry date of the card, the bank will send you an official notice as a reminder such that you can apply for a new card on time.

    Q. Can an individual of 12 years old get a Bank Islam Debit Card?

    A. Yes, an individual/minor of 12 years old can obtain a debit card. You will just have to make an application with the letter of indemnity that is approved by parents/guardian.

    Q. Do I need to pay any charges if I want to make a balance enquiry at a Bank Islam ATM?

    A. You do not have to pay any charges for making a balance enquiry at a Bank Islam ATM via MEPS.

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