Bank Islam Visa Gold Credit Card-i
Bank Islam Visa Gold Credit Card-i
RM 2,000
Minimum monthly income
RM 130
Annual fee
Swiped your credit card at least 12 times in a year
13.5%
Interest rate p.a
%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Cashback & Islamic
Up to 3% Cashback monthly
Suitable for Halal spend
Islamic Credit Card
Card usage limited to Halal transactions only
FREE Takaful coverage
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 130 | |
| Annual fee waiver | Yes | Swiped your credit card at least 12 times in a year |
| Late payment fee | RM 5/1% | 1% of the outstanding balance or RM5, whichever is higher (to a maximum of RM50) |
| Interest rate | 13.5% | Settling minimum payment due for 12 consecutive month |
| Annual fee |
RM 130 |
| Annual fee waiver |
Yes Swiped your credit card at least 12 times in a year |
| Late payment fee |
RM 5/1% 1% of the outstanding balance or RM5, whichever is higher (to a maximum of RM50) |
| Interest rate |
13.5% Settling minimum payment due for 12 consecutive month |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Below are few important documents that are required to apply for this credit card:
Salaried Employee:
- Copy of NRIC (both sides)
- Copy of latest 3 months pay slip; OR
- Copy of latest EA form; OR
- Latest EPF statement; OR
Self Employed:
-
Copy of NRIC (both sides)
- Copy of Form 9/24/49
- Business Registration Certificate
- 6 months' bank statements
- Latest B Form with official tax payment receipt
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Product review by
The credit card will be your handy companion, especially if you prefer to shop at Halal certified merchants only. The Bank Islam Visa Gold Credit Card-i is a Shariah-based credit card that offers various rewards, discounts and many more. Following the Tawarruq contract period, you’ll have to own this credit card for 3 years, but we’re positive that you wouldn’t mind owning this credit card that long!
Enjoy low-interest rates
Unlike most credit cards around, the Bank Islam Visa Gold Credit Card-i offers a much lower interest rate which is 13.5% a year whereas usually, it would be 15% a year. At the most, the highest interest rate is only at 17.5% a year.
Earn up to 3% cashback for your monthly spending
Spend on Online, Auto Billings, Grocery and Dining transactions to receive up to 3% cashback every month. However, this only applies if the retail store is a Halal merchant. Also, get an unlimited 0.1% cashback when you spend at least RM500 and above monthly for your local spending
Get free Takaful Coverage
It can be pretty costly to get a Takaful Coverage for you and your family. With the Bank Islam Visa Gold Credit Card-i, you can get it for free! Worry less because now you don’t have to break the bank in order to pay for it.
Save more money on annual fees
The Bank Islam Visa Gold Credit Card-i also offers a way for all cardholders to be exempted from the annual fees. All you have to do is perform at least 12 swipes in a year, and you won’t have to pay the annual fees at all! It’s not a difficult requirement either, you could simply swipe your card to pay for all your monthly expenses and you’ll be good to go.
FAQs
FAQs
If you want a quick and easy way to apply for this credit card, it will be through our online application form. You only need to fill up your details within two steps, and once you’ve completed it, we will process your application within the next few days. You can reach out to our customer service at +6012-385 0211 if you have any questions regarding the online application.
You have to be earning an income of at least RM2,000 with an age of at least 21 years old and above. Supplementary cards have an age requirement of 18 years old and above.
You need to pay an annual fee of RM130 if you own a principal card. If you also own a supplementary card, the annual fee charged will be RM60. However, you can opt to not pay the annual fees with one requirement, which is to make a minimum amount of 12 swipes within one year.
The cash withdrawal fee is different from the others as it is 2.5% of the total amount withdrawn or RM12, depending on which is higher. The late payment charges is 1% of the overall amount that you haven’t paid back or RM5, with a maximum amount of RM50.
- Receive up to 3% cashback every month for Online, Auto Billings, Grocery and Dining transactions
- Low interest rates
- Annual fee can be waived if make minimum 12 swipes in a year
- Free Takaful coverage
Since it is a Shariah-based credit card, it’s suitable for cardholders that are earning a stable decent income while only making purchases at Halal certified merchant stores. It’s also a great credit card option for people who enjoy a low interest rate.
