Bank Islam Gold MasterCard Card-i

A credit card based on Shariah principles - only accepts transactions from Halal merchants. Enjoy an annual fee waiver with 12 swipes per year and a 0% Easy Payment Plan.

Bank Islam Gold MasterCard Card-iWorldwide Recognition
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


1x TruPoint for every RM1 spend on your Gold MasterCard Card-i.

TruRewards Loyalty Programme
1 point on every RM1on all local and overseas retail expenses

Easy Payment Plans

Bank Islam EPP offers payment terms of up to 36 months at zero interest when you purchase items from selected retail merchants.

Bank Islam Installment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM150
6 months0% p.a. and no one-time upfront handling feeRM300
12 months0% p.a. and no one-time upfront handling feeRM600
18 months0% p.a. and no one-time upfront handling feeRM900
24 months0% p.a. and no one-time upfront handling feeRM1,200
36 months0% p.a. and no one-time upfront handling feeRM1,800
Learn more about Bank Islam Installment Payment Plan

Fees & Charges

Annual Fee
  • RM130 primary card

    Waived when you swipe 12 times in a year

  • RM60 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal Fee
RM12 or 2.5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 50%
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Bank Islam Installment Payment Plan
Check out the Bank Islam IPP and enjoy an interest-free instalment plan from a minimum purchase amount of RM150 only!


Enjoy lower interest rates with Bank Islam Gold MasterCard Card-i

Yes, you read that right.

Unlike most credit cards, Bank Islam Gold MasterCard Card-i comes with a minimum interest rate of 13.50% per annum rather than 15.00%. 

The highest annual interest rate is 17.50% p.a. On top of that, there is no joining fee for this Islamic credit card. 

Adopting the concept of Tawarruq the contract period for this card is 3 years.

Get exclusive Gold card features

Well since this is a Shariah-compliant credit card, it can only be used for transactions at Halal merchants. 

So, before you go shopping please make sure to double-check if the merchant meets the card requirements.

Also, when applying for this card be sure to set a profit margin that works best for you. 

The reason is that the profit margin will be permanent for the 3-year contract period. 

The card can be used worldwide and has MasterCard recognition everywhere you go.

It is also embedded with the latest smart chip technology. So, get used to contactless and swift payments at the counter.

Flexi payment benefit

Now then, like most people there comes an occasion when we want to make purchases over our savings budget. 

Whether it’s getting a new refrigerator, TV set, computer or just putting some new wheels on your car. 

These expenses are sometimes inevitable, so why not use a really good instalment plan to pay for it?

The Bank Islam Easy Payment Plan allows you to convert any purchase amount of RM150 or more into smaller instalments with 0% interest, with tenures of up to 36 months. 

Of course, this plan applies to only a selected number of merchants.

However, there is always the Bank Islam Installment Payment Plan that offers the same deal, but everywhere else.

Get better benefits with Bank Islam Gold MasterCard Card-i

There is much that Bank Islam Gold MasterCard Card-i has to offer. Apart from the interest savings, you have the chance to save on annual fees too.

Simply swipe your card 12 times a year and voila, no annual fees for that year!

Bank Islam cardmembers can also use their credit cards as a medium to make their Zakat contributions.

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