Bank Islam Platinum Card-i

  • Min. Monthly Income
    RM 4000
  • Interest Rate
    13.5% p.a.
  • Cashback
    -
  • Annual Fee
    RM 388
"Get cashback of up to 0.3% from retail transactions at all certified Halal merchants, RM100,000 of Takaful protection coverage, and Travel Accident insurance coverage too! "
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Key Features

Transactions from certified Halal merchants will give up to 0.3% cashback

Transactions from certified Halal merchants will give up to 0.3% cashback

Up to RM100,000 in Takaful protection coverage

Up to RM100,000 in Takaful protection coverage

Up to RM100,000 in Takaful protection coverage

Up to RM1,000,000 in Travel Accident Insurance coverage

Benefits on...

  • Petrol

    Up to 0.3% cashback awarded on the 13th month

  • Dining

    Up to 0.3% cashback awarded on the 13th month

  • Entertainment

    Up to 0.3% cashback awarded on the 13th month

  • Groceries

    Up to 0.3% cashback awarded on the 13th month

  • Shopping

    Up to 0.3% cashback awarded on the 13th month

More details

  • icon Eligibility/Documents Eligibility/Documents

    Min. Monthly Income
    RM 4000
    Min. Age for Principal Holder
    21

  • icon Fees and charges Fees and charges

    Annual Fee
    Free with minimum 12 card swipes per calendar year

    Other Fees and charges

    Late Payment Charges
    Higher of RM5 or 1% of outstanding balance, up to a maximum of RM50
    Finance Charges
    13.5% p.a. – prompt minimum payment for 12 consecutive months
    16% p.a. – prompt payment for at least 10 out of 12 months
    17.5% p.a – if any of the above is not met
    Sales and Services Tax (SST)
    0% on annual fees and other charges

  • icon Supplementary Card Supplementary Card

    Min. Age for Supplementary Holder
    18 and above years old
    Fee for Supplementary Holder
    RM150

  • icon Cash Advance Cash Advance

    Amount
    Up to 50% of credit limit
    Charge
    Higher of RM12 or 2.5% of cash advance amount

    Other cash advance info

    Cash Advance Interest Charge
    N/A

  • icon Others Others

    Rewards Points Expiry
    N/A

    Other benefits

    Protection Plan
    Up to RM100,000 in Takaful protection coverage and up to RM1,000 in funeral expenses benefit for the principal cardholder, Up to RM1,000,000 in Travel Accident Insurance coverage and Travel Inconvenience Benefits
    Balance Transfer
    Min. transfer amount: RM500, 12 months: 13% per annum; 0% one-time upfront fee
    Instalment Plan
    0% Instalment Payment Plan at all participating merchants

Balance Transfer to any Bank Islam credit cards

12 months

Interest Rate
13% p.a.
Min. Transfer Amount
RM500
One-time Upfront fee
-

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Review by iMoney

  • With Bank Islam Platinum Card-i, the cardholder can enjoy cashbacks for their transactions from certified Halal merchants with up to 3% in rebates. These cashbacks / rebates do not come with a maximum cashback amount, allowing you to continue enjoying cashbacks without worrying about any possible limitation (which usually comes with most credit cars from other banks). There are also a Group Family Takaful protection coverage of up to RM100,000 together with funeral expenses benefit of up to RM1,000 for the principal cardholder which can help support your family financially should anything happen to you. On top of that, there is also a coverage of up to RM1,000,000 in Travel Accident Insurance and Travel Inconvenience Benefits; putting your mind at ease when you travel around the world. To switch over to this card from your existing card, you will need to have a minimum balance of RM500. You will also be able to enjoy a low finance charge of 6% per annum for 12 months (there is no upfront fee that you will need to pay).

  • Annual fee for Bank Islam Platinum Card-i is RM411.28 (principal cardholder) and RM159 (supplementary cardholder). However, with a minimum of 12 usage on your credit card in a year, the annual fee for principal cardholder will be waived. Finance charges come in 3 tiers with the charges at 13.5%, 16% and 17.55 per annum. To enjoy a finance charge of 13.5% per annum, you will need to prompty make the minimum repayment every month for 12 straight months. Missing 1 or 2 months of the minimum monthly repayment, will have your outstanding balance be charged 16% per annum. Anything more than that and your oustanding balance will be charge with finance charge of 17.5% per annum. On top of that, there is the late payment penalty whereby you will be charged a minimum of RM5 or 1% of your outstanding balance (whichever one is higher); up to a maximum of RM50.

  • You will need to be at least 21 years old and have a monthly income of at least RM7,000 to apply for Bank Islam Platinum Card-i. If you are looking to apply for the supplementary card, you will need to be at least 18 years old.

    Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Bank Islam Gold Credit Card-i and HSBC Amanah MPower Platinum Credit Card-i, which may match your requirements.

    If you prefer to broaden your credit card search, review more Bank Islam credit cards and start comparing today!