Bank Islam Platinum Visa Credit Card-i credit card

Bank Islam Platinum Visa Credit Card-i

Live the Platinum Lifestyle with a wealth of travel and shopping privileges, loyalty reward points and generous Takaful coverage.

  • 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 Visa Credit 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
FREE Takaful Travel of up to RM1,000,000 and 24/7 Visa Concierge Service.
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RM12.00 or 2.50% of withdrawn amount, whichever is higher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 Visa Credit Card-i review

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

Go Platinum with Bank Islam Credit Card to reap significant benefits ranging from zero-cost on flexible instalment to free annual fee, Takaful coverage, and loyalty rewards.

Spend and get rewarded

Spend like a millionaire on this Platinum card, earn TruPoints and stand a chance to redeem a myriad of products and services offered under this loyalty program.

For every RM1 spending on retail, you get 1 TruPoints and you’re in the running to redeem product or services that could have an equivalent value of your actual purchases. Moreover, you can double, or triple or quadruple, your TruPoints when your supplementary cardholders spend on their cards too!

Stay protected on the go

Wherever you are in the world, just sit back and enjoy your journey on a scheduled flight as this Platinum card is equipped with FREE Takaful protection – because you never know when the unexpected happens while you are miles away from home.

Under this complementary Takaful coverage, you will be insured against death and total permanent disability up to RM1,000,000. If you encounter with inconveniences while in transit, say your luggage is missing or delayed, you will be compensated up to RM1,000 on any one occurrence.

Flexible repayment at zero rate

Take advantage of the 0% rate when you go for a flexible payment plan on a single big purchase. All you need to do is notify the bank at the point of transaction and select your tenures from 3 months or up 36 months.

However, if the store is not part of Bank Islam’s participating merchants, you can request for Retail Spread Value Plan (RSVP), which is also an easy payment plan but with limited tenures of 6, 9 and 12 months only. You also need to pay a competitive one-time handling fee.

Swipe 12x, no annual fee

The annual fee of RM411.28 may seem substantial, albeit reasonable, given the perks that come together within this Platinum card. Believe it or not, you can waive the liability of paying the annual fee on a condition that you make 12 purchases using this Platinum card in a year.

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