Bank Islam Platinum MasterCard Card-i

Based on Shariah concept, a platinum credit card free from usury. Only accepts transactions from Halal merchants.

Bank Islam Platinum MasterCard Card-iFree Takaful Coverage
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Earn TruPoints and redeem great prizes from Bank Islam's TruRewards Loyalty Programme.

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


Emergency helpdesk, free flight travel inconvenience benefits and complimentary travel insurance 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


Get complimentary up to RM100,000 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. Additionally, you get a free subscription to Mastercard Platinum Collection as well.

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RM12 or 2.5% of withdrawn amount, whichever is higher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
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!


Tell me about Bank Islam Platinum MasterCard Card-i

Like any other credit card, Bank Islam Platinum MasterCard 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 RM411.28, but you can get this figure waived when you make 12 transactions within the period of a year.

Special travel benefits

The Platinum MasterCard-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 3 months up to 36 months, but you also have smaller instalments that will be easier to handle. With zero profit rates!

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