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Bank Islam Kad-i Emas

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    13.5% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    Percuma

Ciri Utama

  • Up to 0.3% cashback on retail transactions from certified Halal merchants
  • Takaful protection with coverage of up to RM100,000
  • Up to 0.3% cashback awarded on the 13th month (subject to Service Tax deduction)
  • icon petrol Petrol

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13 (tertakluk kepada pemotongan Cukai Perkhidmatan)
  • icon dining Makan

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13 (tertakluk kepada pemotongan Cukai Perkhidmatan)
  • icon entertainment Hiburan

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13 (tertakluk kepada pemotongan Cukai Perkhidmatan)
  • icon groceries Barangan Runcit

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13 (tertakluk kepada pemotongan Cukai Perkhidmatan)
  • icon shopping Beli-Belah

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13 (tertakluk kepada pemotongan Cukai Perkhidmatan)

icon tag Other Features

  • Pelan Perlindungan: Perlindungan Takaful Keluarga Berkelompok percuma dengan perlindungan sehingga RM100, 000 dan perbelanjaan pengebumian sehingga RM1, 000 untuk pemegang kad utama
  • Pindahan Baki: Min. jumlah pemindahan: RM500, 12 bulan: 13% setahun; Bayaran pendahuluan 0%
  • Pelan Ansuran: Pelan Bayaran Ansuran 0% untuk semua peniaga yang mengambil bahagian

icon info Card Information

Yuran Tahunan Percuma dengan minimum 12 kali penggunaan kad (swipe) dalam tempoh setahun
Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder Percuma
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM60
Late payment charge RM5 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM50
Cash advance amount Sehingga 50% daripada had kredit
Cash advance charge RM12 atau 2.5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge Tiada
Rewards points expiry Tiada

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Unlimited Cashback Limit

Bank Islam Gold Card-i offers cashback up to 0.3% on retail transactions from certified Halal merchants, awarded on the 13th month (subject to Service Tax deduction) and there is not limit for the cashback amount! It also comes with complementary Group Family Takaful protection with coverage of up to RM100,000 and funeral expenses of up to RM1,000 for principal cardholder. The minimum amount for balance transfer is as low as RM500 and the one-time upfront fee is free of charge!

Fees and Charges

The annual fee for this card is RM60 for supplementary holder and free for principal holder with minimum 12 card swipes in a 12 months period, otherwise it is RM130, both with GST included. By making prompt minimum payment for 12 months (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher), you get to enjoy a lower finance charge of 13.5% per annum. If you make prompt minimum payment for at least 10 months, the finance charge will be 16% per annum, otherwise it is 17.5% per annum. As for late payment penalty, the amount charged higher of RM5 or 1% of outstanding balance, up to a maximum of RM50. All these charges are inclusive of the 6% GST effective 1 April 2015.

Are You Eligible For The Bank Islam Gold Card-i?

To apply for Bank Islam Gold Card-i, you need to have a minimum monthly income of RM3,000 and to be at least 21 years old for principal holder or to be at least 18 years old for supplementary holder.

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 Classic Credit Card-i and AffinBank Gold Credit Card, which may match your requirements.

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

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