Bank Islam Mastercard Platinum Credit Card-i

Based on the Shariah concept, this Platinum credit card only accepts transactions from Halal merchants. Enjoy up to 2X TruPoints and free Takaful coverage for your convenience.

Bank Islam Mastercard Platinum Credit Card-iFree Takaful Coverage
Min. Income
RM3,000/month
Annual Fee
Free*
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Rewards

Earn 2X and 1.5X TruPoints for a minimum monthly spending of RM2,000 on contactless transactions and petrol spending, including offline overseas spending, respectively. Both are capped at 5,000 TruPoints per month. Spending on other retail gets you unlimited 1X TruPoints on every RM1! Collect as many as you want and redeem great prizes from Bank Islam's TruRewards Program.

TruRewards Program
EarnSpend
2 points on every RM1on contactless transaction and petrol (with a minimum monthly spend of RM2,000, capped at 5,000 TruPoints per month)
1.5 points on every RM1on offline overseas spend (with a minimum monthly income of RM2,000, capped at 5,000 TruPoints per month)
1 point on every RM1on other retail spend

Travel

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

Travel CoverageSum Insured
Personal AccidentUp to RM1,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

Premium

Get complimentary up to RM100,000 Group Family Takaful coverage on outstanding balances and funeral expenses. Pay your zakat via standing instructions, auto-debit, internet and EDC terminals at Pusat Zakat counters. Plus, enjoy free Purchase Protection Insurance and special discounts and privileges at Mastercard Worldwide.

Easy Payment Plans

Bank Islam EPP offers payment terms of up to 36 months at 0% 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
  • RM388 primary card

    Waived when you swipe 12 times in a year

  • RM150 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
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM36,000
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!

Review

Tell me about Bank Islam Mastercard Platinum Credit Card-i

Like any other credit card, Bank Islam Mastercard Platinum Credit Card-i comes with a regular set of profit rates. 

However, Bank Islam cards have a rate that ranges from 13.5% - 17.5% p.a. which is lower than the general profit rates applied to credit cards.

It is also a Shariah-compliant product that adopts the contract of Tawarruq. 

There is no joining fee. You also have great savings with the annual fee on this card. 

The regular annual fee is RM388, but you can get this figure waived when you make 12 transactions within a year.

Special travel benefits

The Mastercard Platinum-i comes with its own set of travel benefits such as cardmembers will receive complimentary Takaful Protection.

Travel the world and never fear, Bank Islam has got you covered up to RM1,000,000 for travel personal accidents.

Apart from that, cardmembers also have coverage for travel inconveniences, encompassing, flight delays, missed flights, loss of luggage and luggage delays. For full details, please click here.

Finance advantages

When you have this Bank Islam credit card, you are also entitled to a competitive withdrawal fee of 2.50% or RM12, whichever is higher. 

You also have the ability to withdraw up to 50% of your Financing Limit.

Cardmembers can now also pay zakat (tithe) via standing instructions, auto-debit, internet and EDC terminals at Pusat Zakat counters supported by Bank Islam.

Value-added benefits

Don’t stop that shopping spree if you’re worried about profit rates. 

With Bank Islam Platinum MasterCard Card-i, you can now convert your purchases under their Easy Payment Plan, and pay 0% rates.

Not only do you get to choose repayment tenures of up to 36 months, but you also have smaller instalments that will be easier to handle. With zero profit rates!

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