Bank Islam Visa Gold Credit Card-i
A Shariah concept credit card that only accepts charges from Halal merchants and offers a zero-interest EPP with selected merchants, including up to 3% cashback!

Product summary
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 3%
- Balance Transfer
- From 3.88% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 13.5% p.a.
- Interest-free
- 20 days
Hear from our users
Find out how Malaysians start making smart financial decisions with us
Cashback
Get up to 3% cashback when you hit monthly spending criteria on Online, Auto Billing, Grocery and Dining spending, capped at RM30 per card per month. Other local spending from RM500 and above gets you unlimited 0.1% cashback!
CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
---|---|---|---|
Online, Auto Billings, Grocery and Dining | 3% | RM30 | from RM1,000 or above monthly |
Online, Auto Billings, Grocery and Dining | 1% | RM30 | from RM500up to RM999 monthly |
Local Spend | 0.1% | uncapped | from RM500 or above monthly |
Balance Transfer
Bank Islam Balance Transfer Program allows you to transfer outstanding balances from other credit cards for up to 36 months with a profit rate as low as 3.88%.
Pay Over | With Interest Rate At | When You Transfer |
---|---|---|
3 months | 3.88% p.a. and no one-time upfront handling fee | from RM500 |
6 months | 3.88% p.a. and no one-time upfront handling fee | from RM500 |
9 months | 4.88% p.a. and no one-time upfront handling fee | from RM1,000 |
12 months | 4.88% p.a. and no one-time upfront handling fee | from RM1,000 |
24 months | 5.88% p.a. and no one-time upfront handling fee | from RM3,000 |
36 months | 5.88% p.a. and no one-time upfront handling fee | from RM3,000 |
Easy Payment Plans
Bank Islam Instalment Payment Plan (IPP) offers payment terms of up to 36 months at zero interest when you purchase items from selected retail merchants.
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
3 months | 0% p.a. and no one-time upfront handling fee | RM150 |
6 months | 0% p.a. and no one-time upfront handling fee | RM300 |
12 months | 0% p.a. and no one-time upfront handling fee | RM600 |
18 months | 0% p.a. and no one-time upfront handling fee | RM900 |
24 months | 0% p.a. and no one-time upfront handling fee | RM1,200 |
36 months | 0% p.a. and no one-time upfront handling fee | RM1,800 |
Fees & Charges
- Annual Fee
- RM130 primary card
Waived when you swipe 12 times in a year
- RM60 supplementary card
- RM130 primary 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
- 18%
- Contact-less Payment Methods
- payWave
Requirements
- Minimum Annual Income
- RM24,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- 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!
- Balance Transfer Plans
- Bank Islam Balance Transfer Program
- Transfer as low as RM500 from other bank credit cards to Bank Islam and enjoy low profit rates with this easy Balance Transfer plan.