Bank Islam Visa Infinite Credit Card-i

An Islamic credit card that rewards you with up to 8% cashback on selected spending, free travel Takaful coverage of up to RM2 million and 3x complimentary access to Plaza Premium Lounge globally.

Bank Islam Visa Infinite Credit Card-iUp to 8% cashback!
Min. Income
RM8,333.33/month
Annual Fee
Free*
Cashback
up to 8%
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Cashback

Get up to 8% cashback monthly on selected spending such as auto billings, grocery, online shopping and dining. Spending overseas earns you 1% cashback when you spend RM8,000 and above monthly, and you get unlimited 0.2% cashback on local spending.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online, Auto Billings, Grocery and Dining8%RM30from RM2,000 or above monthly
Online, Auto Billings, Grocery and Dining5%RM30from RM1,000up to RM1,999 monthly
Overseas Spend1%RM100from RM8,000 or above monthly
Local Spend0.2%uncappedfrom RM500 or above monthly

Travel

A travel Takaful coverage worth up to RM2 million is yours to enjoy when you charged full airfares to your Islamic Visa Infinite credit card. Additionally, enjoy 3x access to participating Plaza Premium Lounges worldwide to unwind and relax before boarding. Both are subject to terms and conditions.

Travel CoverageSum Insured
Personal AccidentUp to RM2,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

Easy Payment Plans

Opt to pay your item purchased at any of Bank Islam's appointed merchants in instalments over a period of up to 36 months with the Bank Islam Installment Payment Plan.

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
  • RM777 primary card

    Waived when you swipe 12 times in a year

  • RM333 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
Visa payWave

Requirements

Minimum Annual Income
RM100,000
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

Whether you are a world traveler or an avid shopper, empower your spending and gain financial advantages when you sign up for Bank Islam Infinite Visa Credit Card-i.

Up to 8% cashback

Cashback is one of the ways that can help you maximize savings on your everyday spending. 

Therefore, when you spend from RM1,000 to RM1,999 on grocery, dining, auto billings and online every month, you will earn 5% cashback. If your spending reach RM2,000 and above, you get 8% cashback! The monthly cap is RM30 per card per month.

Spending overseas also gets you 1% cashback but with a slightly higher monthly spending criteria which is RM8,000 and above, with a monthly cap of RM100 per card per month.

Local transactions, on the other hand, earns you unlimited 0.2% cashback, for monthly spending of RM500 and above!

Complimentary 3 times access to participating Plaza Premium Lounges

As Bank Islam's principal and supplementary cardholder, you are entitled to complimentary 3x passes a year to participating Plaza Premium Lounges at airports worldwide. Click here for more details.

Avid travellers and businessmen worry not! You can still enjoy a 20% discount from the walk-in price when you have used all of your free access privileges.

Instalment payment plan for eligible purchases

Your favourite Louboutin stiletto is on flash sale but you are short of a few bucks? 

With Bank Islam Installment Payment Plan, you can own them right away and don’t have to worry about repaying them in full within 20 days.

This credit line allows the flexibility for you to pay back what you have owed the bank at a 0% interest rate for a period of up to 36 months.

What’s more, there is no upfront fee and not even a penalty for early settlement.

Comprehensive takaful coverage

Travelling should be more fun and less stressful, especially when it comes to looking for the right travel insurance. 

Well, look no further as Bank Islam Infinite Credit Card-i got you covered with comprehensive Takaful coverage.

For instance, if you sprained your ankle during the journey or (God forbid!) the plane crashes, you and your family members will be compensated up to RM2,000,000.

Enjoy competitive rates with Bank Islam Infinite Visa Credit Card-i

Feeling the pinch from impulsive and compulsive credit card spending?

Unless you take care of your monthly repayment well, even by paying the minimum amount from the total payment, you will face the tiered profit rates of 13.50% to 17.50% per annum on the outstanding balances of your Bank Islam Infinite Visa Credit Card-i.

Even so, it is still among the lowest rates in the market!

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