Bank Islam Visa Platinum Credit Card-i

Live the Platinum lifestyle with a wealth of travel and shopping privileges, attractive cashback of up to 5% and generous complimentary travel Takaful coverage.

Bank Islam Visa Platinum Credit Card-iFree travel Takaful coverage
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 5%
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Cashback

Earn up to 5% cashback when you spend online, auto billings, grocery and dining, capped at RM30 monthly per card. Spending overseas gets you 1% cashback for a monthly spend of RM8,000 and above while spending locally gives you unlimited 0.2% cashback.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online, Auto Billings, Grocery and Dining5%RM30from RM1,500 or above monthly
Online, Auto Billings, Grocery and Dining3%RM30from RM500up to RM1,499 monthly
Overseas Spend1%RM100from RM8,000 or above monthly
Local Spend0.2%uncappedfrom RM500 or above monthly

Travel

Enjoy free takaful travel coverage of up to RM1,000,000 and 24/7 Visa Concierge Service while you're travelling. You deserve that peace of mind!

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 up to 36 months at zero interest when you purchase items from selected retail merchants. The minimum transaction is RM150.

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RM12 or 2.5% of withdrawn amount, whichever is higher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

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

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

Spend and get rewarded with Bank Islam Visa Platinum Credit Card-i

Spend like a millionaire on this Platinum card, earn cashback and maximise your savings!

For every Online, Auto Billing, Grocery and Dining spending between RM500 to RM1,499, you can earn 3% cashback. Spending RM1,500 and above gets you 5% cashback! Both are capped at RM30 per card monthly.

Going overseas? Don't forget to bring along this Visa Platinum Credit Card-i because every monthly spend of RM8,000 and above earns you 1% cashback! This is capped at RM100 per card monthly.

Additionally, spending locally earns you unlimited 0.2% cashback when you hit a monthly spending amount of RM500 and above.

Stay protected on the go

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

Under this complimentary travel 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 a 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 tenure of up to 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 12 times, no annual fee

The annual fee of RM388 may seem substantial, albeit reasonable, given the perks that come together with this Platinum card. 

Believe it or not, you can waive the liability of paying the annual fee on the condition that you make 12 purchases using Bank Islam Visa Platinum Credit Card-i in a year. It's that simple!

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