Best Islamic Credit Cards in Malaysia
Compare Shariah-Compliant Cards from Malaysia's Top Banks
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Up to 10% Cashback, IslamicRHB Islamic Cash Back Visa Credit Card-i
RHB Islamic Cash Back Visa Credit Card-i
- Min. Monthly Income
- RM 2,000 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free *
- Rewards Rate
- N/A
Everyday halal cashback with the RHB Islamic Cash Back Visa Credit Card-i
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5x points abroad spendAmBank Islamic Visa Infinite
AmBank Islamic Visa Infinite
- Min. Monthly Income
- RM 10,000 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free
- Rewards Rate
- N/A
Earn 5x AmBonus Points on overseas spending, get 6x lounge access worldwide, hotel dining perks, and travel Takaful coverage up to RM2 million.
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Rebate and rewardsMaybank Islamic Ikhwan Mastercard Platinum Card-i
Maybank Islamic Ikhwan Mastercard Platinum Card-i
- Min. Monthly Income
- RM 3,333 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free
- Rewards Rate
- N/A
Shariah-compliant card with 5% cashback on petrol and groceries every Fri and Sat, plus zero annual fee.
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8% petrol cashback!Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
- Min. Monthly Income
- RM 5,000 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free
- Rewards Rate
- N/A
Shariah-compliant card with 8% cashback at PETRONAS on weekends and 1% on weekdays.
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Up to 25x TreatsPointsMaybank Islamic World Elite Mastercard Ikhwan
Maybank Islamic World Elite Mastercard Ikhwan
- Min. Monthly Income
- RM 15,833 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free *
- Rewards Rate
- N/A
Islamic travel card with 25x TreatsPoints overseas and RM2 million takaful coverage.
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Shariah card, movie pointsRHB Islamic Rewards Visa Credit Card-i
RHB Islamic Rewards Visa Credit Card-i
- Min. Monthly Income
- RM 2,000 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free *
- Rewards Rate
- N/A
Earn up to 10x LoyaltyPlus points on cinema and travel, plus 0% profit instalments up to 36 months at selected merchants.
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Islamic Card with 6% CashbackRHB World MasterCard Credit Card-i
RHB World MasterCard Credit Card-i
- Min. Monthly Income
- RM 6,667 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free
- Rewards Rate
- N/A
Shariah-compliant travel perks with the RHB World Mastercard Credit Card-i
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Islamic travel cardMaybank Islamic Ikhwan Visa Infinite Card-i
Maybank Islamic Ikhwan Visa Infinite Card-i
- Min. Monthly Income
- RM 8,333 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free *
- Rewards Rate
- N/A
Shariah-compliant travel card with 5x TreatsPoints overseas and RM2 million takaful coverage
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Islamic travel card!Bank Rakyat Platinum Explorer Credit Card-i
Bank Rakyat Platinum Explorer Credit Card-i
- Min. Monthly Income
- RM 5,000 / month
- Profit Rate
- 13.5% p.a.
- Annual Fee
- free
- Rewards Rate
- N/A
Islamic travel card with 5% cashback on flights and hotels and 3x yearly lounge access.
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2% Cashback Online & Overseas, IslamicPublic Islamic Bank Visa Platinum Credit Card-i
Public Islamic Bank Visa Platinum Credit Card-i
- Min. Monthly Income
- RM 3,333 / month
- Profit Rate
- 15% p.a.
- Annual Fee
- free *
- Rewards Rate
- N/A
Halal cashback rewards with the Public Islamic Bank Visa Platinum Credit Card-i
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Compare Islamic Credit Cards and Apply Online
What is an Islamic credit card?
An Islamic credit card is firstly, Shariah-compliant. The main differences between Islamic credit cards and conventional credit cards are the prohibition of gharar and riba. Gharar is overcharging, while riba is interest. There are no compound charges as overcharging is also prohibited under Shariah law.
Secondly, Islamic credit cards do not charge interest. Any interest or riba is strictly prohibited under the Shariah law. Therefore, what Islamic banks do is provide Islamic credit cards by charging for their service, which is known as the “profit charge”, and only charged if there is an outstanding amount that is not paid within the grace period.
Thirdly, most of the Islamic credit card offers Takaful coverage. Aside from that, Muslims will also have the added convenience of being able to pay their Zakat with an Islamic credit card.
How do Islamic credit cards work?
An Islamic credit card, also known as credit card-i in Malaysia offers a viable option for Muslims to have the convenience of a credit card while keeping true to their faith.
It’s also an alternative option for non-Muslims as you don’t necessarily have to be Muslim to have an Islamic credit card.
For non-Muslims who prefer the concept of Islamic banking, an Islamic credit card would give them an option aside from the conventional credit card.
An Islamic credit card functions similarly to a conventional credit card but with some slight differences in the offered features.
Who can apply for an Islamic credit card?
Islamic credit cards can be enjoyed by both Muslims and non-Muslims.
In fact, many non-Muslims now use these cards to take advantage of their unique features and fantastic deals.
How do I apply for an Islamic credit card?
Use our free comparison tool to find the best Islamic credit card to suit your needs.
We compare credit cards across all trusted providers in Malaysia. Once you found a card that you wish to apply for, click the ‘Apply now’ button.
Shariah banking VS Conventional banking
Shariah-compliant banking is governed by Islamic principles which includes being interest-free.
Making money from money, such as by charging interest, is prohibited (usury) and therefore Shariah-compliant banking will not have this.
Wealth will be made through legitimate trade and investment in commodities or assets, however companies involved with alcohol, gambling, tobacco, and pronography is off limits.
Financial tools and financing that are structured in accordance to Islamic law are Shariah compliant.
Best Islamic Credit Cards in Malaysia
You can find an array of Islamic credit cards here at CompareHero.my so to make your search and comparison easier, we recommend these top 3 Islamic credit cards in Malaysia.
RHB World Mastercard Credit Card-i
• Up to 6% cashback on local travel, petrol and dining spend
• Up to 2% cashback on overseas spend and 0.2% cashback on all other spend
• Up to 6X Plaza Premium Lounge access in Malaysia
• No annual fees
Public Islamic Bank Visa Platinum Credit Card-i
• 2% cashback on Online and Overseas Spend (capped at RM15 monthly)
• 50% discount on Will and Wasiat Writing Service fees
• Every 0.1% of your monthly dining spend will automatically be donated to Yayasan Waqaf (capped at RM100 monthly)
• The annual fee is free for the first year and will continued to be waived when you swipe at least 12 times over the preceding 12 months
Maybank Islamic Ikhwan American Express Platinum Card-i
• Up to 8% cashback on Online Spending during Ramadhan, Syawal and throughout the year
• Up to 3X TreatsPoints for every RM1 spent on selected categories
• TreatsPoints can be redeemed with gifts, gadgets, vouchers and even air miles (20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles)
• No annual fees