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Bank Islam Kad-i Klasik

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    13.5% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    Sehingga 0.3%
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 60

Ciri Utama

  • Cashback on retail transactions from certified Halal merchants with up to 0.3% cashback
  • Up to 0.3% cashback awarded on the 13th month (subject to Service Tax deduction)
  • Up to RM100,000 of Takaful protection
Shopping
4.11/10
Petrol
5.33/10
Groceries
4.11/10
Dining
4.11/10
  • icon petrol Petrol

    Sehingga 0.3% pulangan tunai yang diberikan pada bulan ke-13 (tertakluk kepada potongan Cukai Perkhidmatan)
  • icon dining Makan

    Sehingga 0.3% pulangan tunai yang diberikan pada bulan ke-13 (tertakluk kepada potongan Cukai Perkhidmatan)
  • icon entertainment Hiburan

    Sehingga 0.3% pulangan tunai yang diberikan pada bulan ke-13 (tertakluk kepada potongan Cukai Perkhidmatan)
  • icon groceries Barangan Runcit

    Sehingga 0.3% pulangan tunai yang diberikan pada bulan ke-13 (tertakluk kepada potongan Cukai Perkhidmatan)
  • icon shopping Beli-Belah

    Sehingga 0.3% pulangan tunai yang diberikan pada bulan ke-13 (tertakluk kepada potongan Cukai Perkhidmatan)

icon tag Other Features

  • Pelan Perlindungan: Perlindungan sehingga RM100, 000 dengan perlindungan Takaful Keluarga Berkumpulan berserta faedah perbelanjaan pengebumian sehingga RM1, 000 untuk pemegang Kad-i Klasik Bank Islam (pemegang kad utama)
  • Pemindahan Baki: Jumlah pemindahan minimum: RM500, 12 bulan: 13% setahun; 0% yuran pendahuluan satu kali
  • Pelan Ansuran: 0% Pelan Bayaran Ansuran di semua peniaga yang mengambil bahagian

icon shopping 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 RM 60
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM30
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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Complimentary Group Family Takaful

For Bank Islam Classic Card-i holder, your transactions in certified Halal merchants will allow you to get cashback of up to 0.3%. The cashbacks that you get to enjoy are not capped in any way unlike most credit cards from other banks; that despite giving a high cashback value, is mostly capped at a low maximum amount of rebates that you get to enjoy. On top of that, the principal cardholder will get to enjoy an automatic Group Takaful protection which gives coverage of up to RM100,000 together with funeral expenses benefit of up to RM1,000. Getting this card through a balance transfer will allow you to enjoy 13% per annum finance charge on your existing balance with no upfront fee for 12 months (saving you from the potentially outrageous interest rate of up to 18%).

Fees and Charges

A supplementary cardholder will only need to pay RM30 in annual fee for this card while a principal cardholder will need to pay an annual fee that is double of that amount at RM60. For the annual fee of the principal cardholder, it can be waived with a minimum of 12 transactions in a year. Prompt minimum repayments of the outstanding balance will allow the holder to enjoy the lowest tier finance charge at 13.5% per annum which otherwise can be as high as 17.5 per annum (if repayment record is bad). This card also has late payment penalty of RM5 or 1% of oustanding balance (whichever one is higher), up to a maximum of RM50.

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

You will need a minimum monthly income of RM2,000 and to be at least 21 years old to be able to get and enjoy the privileges that come with the Bank Islam Classic Card-i. For supplementary cardholder, the only requirement is to be 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 , which may match your requirements.

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