Bank Islam Platinum MasterCard Card-i credit card

Bank Islam Platinum MasterCard Card-i

Based on Shariah concepts a platinum credit card free from usury. Only accepts transactions from Halal merchants.

  • 13.5% p.a. profit rate
  • 20 days penalty-free period
  • Easy Payment Plan (EPP)
  • RM388.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Bank Islam Platinum MasterCard Card-i

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Because you should be rewarded for giving the bank your business

Earn TruPoints and redeem great prizes from Bank Islam's TruRewards Loyalty Programme.
TruRewards Loyalty Programme
1 point on every RM1on all local and overseas retail expenses
Your TruRewards Loyalty Programme earned expires in  3 years
Easy Payment Plan (EPP)
Bank Islam EPP offers payment terms of 3, 6, 12, 18, 24 and 36 months at ZERO interest when purchasing from selected retail merchants. Minimum transaction is RM1000.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM150 
6 months0% p.a. and no one-time upfront handling feefrom RM300 
12 months0% p.a. and no one-time upfront handling feefrom RM600 
18 months0% p.a. and no one-time upfront handling feefrom RM900 
24 months0% p.a. and no one-time upfront handling feefrom RM1200 
36 months0% p.a. and no one-time upfront handling feefrom RM1800 
Learn more about Bank Islam Installment Payment Plan
Emergency helpdesk, free flight travel inconvenience benefits and complimentary travel insurance up to RM1000000.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM12.00 or 2.50% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Bank Islam Installment Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Bank Islam Platinum MasterCard Card-i review

What's so good (or not so good) about it?

Getting a new credit card is always a bit of a hassle, especially when you don’t know what it is you actually want. But with this Bank Islam Platinum MasterCard you know exactly what you’re paying for.

Tell me about the card

Like any other credit card, this one comes with a regular set of profit rates. However, Bank Islam cards have a rate that ranges from 13.5% - 17.5% p.a. which is lower than the general profit rates applied to credit cards.

It is also a Shariah compliant product that adopts the contract of Tawarruq. There is no joining fee. You also have great savings with the annual fee on this card. The regular annual fee is RM411.28, but you can get this figure waived when you make 12 transactions within the period of a year.

Travel Benefits

The Platinum MasterCard-i comes with its own set of travel benefits. Cardmembers will receive complimentary Takaful Protection.

Travel the world and never fear, Bank Islam have got you covered up to RM1,000,000 for travel personal accident. Apart from that, cardmembers also have coverage for travel inconveniences, encompassing, flight delay, missed flights, loss of luggage and luggage delays.

Finance advantages

When you have a Bank Islam Platinum MasterCard, you are also entitled to a competitive withdrawal fee of 2.65% or RM12.72, whichever is higher. You also have the ability to withdraw up to 50% of your Financing Limit.

Cardmembers can now also pay zakat (tithe) via standing instructions, auto-debit, internet and EDC terminals at Pusat Zakat counters supported by Bank Islam.

Value added benefits

Don’t stop that shopping spree if you’re worried of profit rates. With Bank Islam, you can now convert your purchases under their Easy Payment Plan, and pay 0% rates.

Not only do you get to choose repayment tenures of 3 months up to 36 months, you have smaller installments that will be easier to handle. With zero profit rates!

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