Bank Islam Platinum Visa Credit Card-i

Live the Platinum Lifestyle with a wealth of travel and shopping privileges, loyalty reward points and generous Takaful coverage.

Bank Islam Platinum Visa Credit Card-iFree Takaful Insurance
Min. Income
RM4,000/month
Annual Fee
Free*
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Rewards

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

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

Travel

FREE Takaful Travel of up to RM1,000,000 and 24/7 Visa Concierge Service.

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

Easy Payment Plans

Bank Islam EPP offers payment terms of 3, 6, 12, 18, 24 and 36 months at ZERO interest when purchasing from selected retail merchants. Minimum transaction is RM1000.

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 12 swipes per 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RM12 or 2.5% of withdrawn amount, whichever is higher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%

Requirements

Minimum Annual Income
RM48,000
Minimum Age
  • 21 years old  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 interest free shopping with a minimum amount of RM150 only!

Review

Go Platinum with Bank Islam Credit Card to reap significant benefits ranging from zero-cost on flexible instalment to free annual fee, Takaful coverage, and loyalty rewards.

Spend and get rewarded

Spend like a millionaire on this Platinum card, earn TruPoints and stand a chance to redeem a myriad of products and services offered under this loyalty program.

For every RM1 spending on retail, you get 1 TruPoints and you’re in the running to redeem product or services that could have an equivalent value of your actual purchases.

Moreover, you can double, or triple or quadruple, your TruPoints when your supplementary cardholders spend on their cards too!

Stay protected on the go

Wherever you are in the world, just sit back and enjoy your journey on a scheduled flight as this Platinum card is equipped with FREE Takaful protection – because you never know when the unexpected happens while you are miles away from home.

Under this complimentary Takaful coverage, you will be insured against death and total permanent disability up to RM1,000,000. 

If you encounter inconveniences while in transit, say your luggage is missing or delayed, you will be compensated up to RM1,000 on any one occurrence.

Flexible repayment at zero rate

Take advantage of the 0% rate when you go for a flexible payment plan on a single big purchase.

All you need to do is notify the bank at the point of transaction and select your tenures from 3 months or up 36 months.

However, if the store is not part of Bank Islam’s participating merchants, you can request for Retail Spread Value Plan (RSVP), which is also an easy payment plan but with limited tenures of 6, 9 and 12 months only. 

You also need to pay a competitive one-time handling fee.

Swipe 12x, no annual fee

The annual fee of RM411.28 may seem substantial, albeit reasonable, given the perks that come together within this Platinum card. 

Believe it or not, you can waive the liability of paying the annual fee on a condition that you make 12 purchases using this Platinum card in a year.