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Islamic Rewards Card
Bank Islam Mastercard Platinum Credit Card-i
Bank Islam Mastercard Platinum Credit Card-i

Bank Islam Mastercard Platinum Credit Card-i

RM 4,000Min. Monthly Income
RM 0Annual Fee*
13.5% p.aProfit Rate

Shariah card with 2x TruPoints on contactless and petrol, plus up to RM1 million Takaful.

Eligibility

Minimum Monthly Income

RM 4,000 (RM 48,000 annually)

Min. Age

Cardholder: 21 years old
Supplementary Cardholder: 18 years old

Resident Status

Anybody

Documents required to apply

You will need to provide several documents such as (varies between different banks):

  • A copy of your IC (both sides)
  • Latest 3 months salary slip or
  • Letter of Employment or
  • Latest EPF statement or
  • Latest EA and BE Form

Fees & Charges

Profit Rate

13.5% - 17.5%

Annual Fee

RM 0

Free*

Annual Fee Waiver

Yes

Minimum 12 transactions per annum to get waived annual fee

Late Payment Compensation

RM 50 or 5% of the outstanding amount, whichever is higher

Profit Rate

13.5%

Features

  • Earn TruPoints on every retail spend and redeem them for rewards through Bank Islam's TruRewards Loyalty Programme.

  • Emergency helpdesk, free flight travel inconvenience benefits and complimentary travel insurance up to RM1 million for you to enjoy while travelling. Terms and conditions apply.

  • Pay for purchases at selected retail merchants in up to 36 monthly instalments at 0% interest.

  • Transfer outstanding balances from other credit cards to this card at a profit rate from 3.88% p.a., with repayment terms of up to 36 months.

  • Get complimentary Takaful coverage up to RM100,000 on outstanding balances and funeral expenses. Pay zakat via standing instructions, auto-debit, internet banking, or EDC terminals at Pusat Zakat counters. Also includes free Purchase Protection Insurance, Mastercard Platinum Collection subscription, and special discounts through Mastercard Worldwide.

  • Get complimentary Takaful protection covering your outstanding balance and benevolence expenses, plus free Purchase Protection Insurance and 40% off will writing services.

Terms and Conditions

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Product review by CompareHero

If you’re looking for a credit card that are aligned with your religious beliefs, the Bank Islam Mastercard Platinum Credit Card-i would be your best bet. Not to mention the benefits and special privileges you’ll get for your travel and shopping experiences that’ll make you want to spend even more!

Enjoy rewards when you spend with your Bank Islam Mastercard Platinum Credit Card-i

You spend a hefty amount each month to pay for your monthly expenses, why not earn rewards at the same time? With the Bank Islam Mastercard Platinum Credit Card-i, you will be able to earn up to 2x Trupoints every month when you spend on Contactless Transaction and Petrol. Don't forget to bring your Bank Islam Mastercard Platinum Credit Card-i for overseas spending when you're travelling to enjoy 1.5X TruPoints with a minimum spend of RM2,000 and enjoy unlimited 1X TruPoints on any retail spend!

Travel with less worries by receiving Takaful coverage

When you travel as a whole family, unexpected situations may occur. It’s always better to have a backup plan such as insurance to ease your worries. The Bank Islam Mastercard Platinum Credit Card-i offers up to RM1 million Takaful insurance coverage for you and your family.

If you encounter any travel inconveniences such as flight delays, missed connections or missing luggage, don’t worry. You’ll also be covered for at least RM1,000.

Get your annual fee waived

It can burn a hole in your pocket if there are extra expenses to pay for. With the Bank Islam Mastercard Platinum Credit Card-i, you can skip the annual fees if you make at least 12 swipes in one year. That shouldn’t be a problem for you because after paying all your monthly expenses, it should be more than 12 swipes already.

Frequently Asked Questions (FAQ)

How do I apply for the Bank Islam Mastercard Platinum Credit Card-i?
Simply apply for the Bank Islam Mastercard Platinum Credit Card-i through our online application form. Once you’ve submitted your application, we will help to process it from there. Our customer service hotline can be reached at +6012-385 0211 should you need any help or guidance.
What are the Bank Islam Mastercard Platinum Credit Card-i requirements?
The monthly income requirement is at least RM3,000 and above with an age of 21 years old and above for principal cards. But for supplementary cards, it is lower, which is 18 years old and above.
Is there an annual fee for the Bank Islam Mastercard Platinum Credit Card-i?
You will be charged with an annual fee of RM388 for principal cards. If you own a supplementary card, the annual fee will be RM150. For principal cards, you can get it waived provided you make at least 12 swipes in one year.
What are the fees or charges applied for the Bank Islam Mastercard Platinum Credit Card-i?
A cash withdrawal fee of RM12 or 2.5% of the total amount will be charged, but it depends which is higher. There is a late payment fee as well if you don’t pay on time, which is RM5 or 1% of the amount you didn’t manage to pay on time. There will also be a sales and service tax charged to your account once you’ve activated it as well as during your anniversary date.
What are the top benefits of the Bank Islam Mastercard Platinum Credit Card-i?
Annual fee waiver if swipe at least 12 times a year 3:43 PM
• Earn up to 2x TruPoints for your purchases
• Up to RM1 million Takaful insurance coverage
• Annual fee waiver if swipe at least 12 times a year
Who is the Bank Islam Mastercard Platinum Credit Card-i suitable for?
It would be suitable for you if travelling and shopping is something that you do on a monthly basis. Primarily because you will only receive the benefits such as the perks and rewards when you travel or shop.