What Is the Bank Islam Visa Debit Card-i Sapphire?
This isn't just any card! It's a premium, Shariah-compliant debit card designed to reward Bank Islam's valued and highly active customers!
It functions as your everyday payment tool, drawing funds directly from your linked Bank Islam account.
What truly sets it apart is the exclusive tier of privileges, such as complimentary lounge access and personalised support, based on the Islamic concept of Ujrah (fee for service rendered).
What Are the Amazing Benefits?
- Complimentary Airport Lounge Access: Get 3 complimentary access to Plaza Premium Lounges worldwide, a fantastic perk for frequent travellers!
- Zero Annual and Replacement Fees: Enjoy peace of mind with zero annual and replacement fees, provided you meet the required eligibility criteria. (Note: An Annual Fee of RM10.00 will be charged upon renewal if the customer does not meet the eligibility criteria.)
- Personalised Banking: Cardholders are offered personalised banking services, including financial assistance from a dedicated sales representative.
- Global Acceptance: Shop or withdraw cash from millions of merchants and ATMs displaying the Visa logo all over the world.
- Secure Transactions: It comes equipped with 3D Secure for online and overseas transactions, requiring a One-Time-Password (OTP) for enhanced safety.
- Shariah Concept: The card operates based on the Shariah concept of Ujrah (service fee).
Who Can Apply For This Debit Card?
The card is reserved for individual account customers who meet specific financial requirements
- Maintain a minimum combined balance of RM200,000 and above in Investment Account and Deposit Account (except Qard-based Account). OR
- Maintain a minimum of RM200,000 in Unit Trust and above. OR
- Have Housing Financing of more than RM1.0 Million and maintain a minimum Investments/Deposits (except Qard-based Account) of RM50,000. OR
- Have Personal Financing of more than RM200,000 and maintain a minimum investment/deposit (except Qard-based Account) of RM50,000.
What Are the Required Documents to Apply for This Debit Card?
As the card is strictly for eligible individual account customers, the main requirement is holding a valid Bank Islam account linked to the card.
However, specific documentation to meet the eligibility criteria is implicitly required, especially for new customers or those upgrading.
You must maintain the required minimum Investments/Deposits or Financing to qualify. For specific submission documents, the best course of action is to contact the bank's branches or Contact Centre.
What Are The Fees That I Need To Pay?
- Issuance Fee: RM10.00.
- Annual Fee: Waived.
- Note: An Annual Fee of RM10.00 will be charged upon renewal if the customer does not meet the eligibility criteria.
- Card Replacement Fee (Lost, Stolen, or Damaged): Waived.
- Cash Withdrawal at Bank Islam ATM: Free.
- Cash Withdrawal at ATM via MEPS: RM1.00 per withdrawal (Local Bank) / RM4.00 per withdrawal (Foreign Bank).
- Cash Withdrawal at any bank via VISA Plus: RM10.00 per withdrawal.
- MyDebit Cash Withdrawal via Point-of-Sale (POS) Terminal: RM0.50 per transaction.
- Overseas Transaction Conversion Fees: Subject to the exchange rate determined by VISA at that particular time.
- Sales Draft Retrieval Fee: RM15.00 per slip (Original) / RM5.00 per slip (Copy).
