Bank Islam Kad-i Platinum

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  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 4000
  • icon Kadar Faedah
    Kadar Faedah
    13.5% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 388

Ciri Utama

  • Transactions from certified Halal merchants will give up to 0.3% cashback
  • Up to RM100,000 in Takaful protection coverage
  • Up to RM1,000,000 in Travel Accident Insurance coverage
  • icon petrol Petrol

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13
  • icon dining Makan

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13
  • icon entertainment Hiburan

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13
  • icon groceries Barangan Runcit

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13
  • icon shopping Beli-Belah

    Pulangan tunai sehingga 0.3% diberikan pada bulan ke-13

icon tag Other Features

  • Pelan Perlindungan: Perlindungan perlindungan Takaful sehingga RM100, 000 dan faedah perbelanjaan pengebumian sehingga RM1, 000 untuk pemegang kad utama, Hingga RM1, 000, 000 dalam perlindungan Insurans Kemalangan Perjalanan dan Manfaat Kesulitan Perjalanan
  • 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 4000
Min. age for principal holder 21
Fee for principal holder RM 388
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM150
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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Travel Worry-Free

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).

Fees and Charges

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.

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

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!

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