Best Islamic Credit Cards in Malaysia

Choose from a range of Shariah compliant Riba-free cards that respect your faith, values, and family traditions. Enjoy enhanced features and benefits such as cash back, reward points, air miles and free takaful insurance.

Need help choosing?
Credit card imageCredit card name and benefitsInterest RateBalance TransferCashbackAnnual FeeApply Online
HSBC Amanah Premier World MasterCard-i credit card

The preferred card for global travellers offers exclusive rewards and privileges with cash back on all your overseas spending, plus takaful coverage.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
1%Unlimited
Annual Fee
Free
Read more Apply now
BSN Platinum MasterCard Credit Card-i credit card

The BSN Platinum Card-i offers everything you could possibly need in a new credit card, providing more benefits, more rewards, and more privileges.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Maybank Islamic Ikhwan American Express Platinum Card-i credit card

This credit card earns you 5X TreatsPoints on all petrol spend and 2X TreatsPoints on everything else - redeem points for free petrol vouchers!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
AmBank Islamic Al-Taslif MasterCard Platinum Card-i credit card

A Platinum credit card-i that qualifies access to premium airport lounge twice a year, private banking services and AmBank home and auto financing-i

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Public Islamic Bank MasterCard Gold Credit Card-i credit card

No frills Islamic credit card that gives unlimited cash rebate, competitive instalment plans, balance transfer and many banking benefits

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
0.1%Unlimited
Annual Fee
Free *
Read more Apply now
HSBC Amanah MPower Platinum Credit Card-i credit card

Enjoy extra savings and up to 8% cashback on your petrol and groceries with HSBC Amanah's latest cash rebate programme.

Get your Anugerah Aidilfitri Combo Gifts now!

Get 2 Free Return Domestic Flight Tickets with Your New HSBC Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM500 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
Free *
Read more Apply now
Bank Islam Platinum Visa Credit Card-i credit card

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

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now
AmBank Islamic Al-Taslif Visa Gold Card-i credit card

Meet your new money manager! Enjoy online banking, 0% easy payment plan on your retail spend, and automatic bill payments with AutoBillPay.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
BSN Classic Visa Credit Card-i credit card

Save more with the BSN Classic Visa-i. This Shariah-compliant credit card gives you great rewards, no annual fees, and free Takaful travel insurance!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Bank Islam Platinum MasterCard Card-i credit card

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

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now
Bank Rakyat Classic Credit Card-i credit card

FREE group Family Takaful insurance. Coverage includes guaranteed repayment of outstanding debts accrued through Credit Card-i usage

Profit Rate
islamic
Balance Transfer
3% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
BSN Gold MasterCard Credit Card-i credit card

No fool's gold here. Swipe your way to more savings, no annual fees, and complimentary Takaful travel insurance with the BSN Gold MasterCard-i!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Public Islamic Bank Visa Platinum Credit Card-i credit card

Earn unlimited 0.2% cash rebate on retail spending, annual fee waiver, free travel insurance and contactless payment with a Platinum credit card.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
0.2%Unlimited
Annual Fee
Free *
Read more Apply now
RHB World MasterCard Credit Card-i credit card

Enjoy up to 6% cashback on your dining, petrol and travel. What's more - complimentary golf privileges, airport lounge access and flexible credit lines

Get your Anugerah Aidilfitri Combo Gifts now!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Profit Rate
islamic
Balance Transfer
4% p.a.
Cashback
6%Unlimited
Annual Fee
Free
Read more Apply now
Maybank Islamic MasterCard Ikhwan Platinum Card-i credit card

A money saving credit card with 5% cashback, Treatpoint gift redemption, and no annual fee for life. Get free Touch 'n Go Zing card!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
AmBank Islamic Visa Infinite Card-i credit card

Travel the world elegantly and Islamically. Collect rewards points that are exchangeable to Air Miles and other gifts. Get covered with up to RM2 million travel Takaful for peace of mind while on board.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Bank Islam Gold Visa Card-i credit card

A Shariah concept credit card that only accepts charges from Halal merchants and offers complimentary Group Family Takaful coverage up to RM100000.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now
Bank Islam Gold MasterCard Card-i credit card

A credit card based on Shariah principles - only accepts transactions from Halal merchants.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i credit card

Get Free Petrol with this Shariah based card that earns you Extra TreatsPoints when you spend at Petronas Service Stations.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
Free
Read more Apply now
AmBank Islamic Visa Signature Card-i credit card

Premium Islamic credit card offers Air Miles conversion, 5x premium airport lounge access, travel Takaful and exclusive discounts on hotels and dining

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Bank Islam-Alumni UiTM Platinum MasterCard Card-i credit card

Exclusive offer for UiTM Alumni. A Shariah compliant credit card that only accepts transactions from Halal merchants.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now
AmBank Islamic Al-Taslif Visa Platinum Card-i credit card

This AmBank Islamic Platinum card helps you enjoy all there is to enjoy in life, wherever you are in the world with global acceptance and internet banking.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
UUM-BSN Gold MasterCard Credit Card-i credit card

Everything you need in a credit card and more! Enjoy delightful rewards, and instant privileges that will cost you nothing, as annual fees are waived

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
AmBank Islamic World MasterCard-i credit card

Indulge in the privileges of premium airport lounge access, travel Takaful protection, Air Miles conversion, golf discounts and zero annual fee every year!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
BSN Platinum Visa Credit Card-i credit card

Feel the touch of Platinum - enjoy exclusive lifestyle privileges, reward programmes and lower interest charges, all with the BSN Visa Platinum-i.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
AmBank Islamic Al-Taslif MasterCard Gold Card-i credit card

Pay for your basic needs and get rewarded. Enjoy the convenient of easy payment, bill payment, balance transfer and RM500,000 travel Takaful protection.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
AmBank Islamic Visa Gold CARz Card-i credit card

Cash rebate on all petrol brands, CARz Points on retail spending, discounts on auto-related transactions and RM500,000 travel Takaful protection

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
3%
Annual Fee
Free
Read more Apply now
AmBank Islamic Platinum MasterCard CARz Card-i credit card

Cash rebate on all petrol brands, CARz Points on retail spending, discounts on auto-related transactions and RM1 million travel Takaful protection

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
UUM-BSN Platinum MasterCard Credit Card-i credit card

Enjoy great savings! Enjoy low interest rates, non-compounding fees, and free takaful cover with a credit card recognised all around the world!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Public Islamic Bank MasterCard Platinum Credit Card-i credit card

An Islamic platinum cashback MasterCard offers 2x free access to airport lounge, free travel Takaful, unlimited cash rebate and annual fee waiver.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
0.2%Unlimited
Annual Fee
Free *
Read more Apply now
Maybank Islamic Ikhwan Visa Infinite Card-i credit card

Indulge in premium travel benefits and enjoy awesome Golf privileges in Malaysia around the world. Get 10000 TreatsPoints free on activation.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply now
Bank Islam World MasterCard Card-i credit card

An exclusive premium credit card for the world traveller craving unique experiences - based on Shariah principles.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more
Maybank Islamic Petronas Ikhwan Visa Gold Card-i credit card

Fill up your tank! Shariah compliant credit card that earns up to 8x TreatPoints when you spend at any petrol service stations nationwide.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%Unlimited
Annual Fee
Free
Read more Apply now
Bank Rakyat Gold Credit Card-i credit card

Pay no annual fee with no condition and get FREE group Family Takaful Coverage, 0% instalment Plan facility, low profit rates and rewards points.

Profit Rate
islamic
Balance Transfer
3% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
CIMB Islamic MasterCard Platinum credit card

A Shariah compliant CIMB credit card with NO annual fees. Earn bonus points and enjoy discounts at over 500 merchants and up to RM1,000,000 Travel Takaful coverage!

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free
Read more Apply now
Maybank Islamic MasterCard Ikhwan Gold Card-i credit card

Put money back into your pocket. Get high 5% cashback every Friday and Saturday, and Maybank Treatpoints everytime you swipe your credit card!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
5%Unlimited
Annual Fee
Free
Read more Apply now
Public Islamic Bank Visa Gold Credit Card-i credit card

Unlimited Cash MegaBonus, annual fee waiver and a variety line of credits with competitive rates for the rainy days - suitable for beginners.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
0.1%Unlimited
Annual Fee
Free *
Read more Apply now
BSN 1 TeachersCard MasterCard Credit Card-i credit card

Worry not about paying annual fees again, with your BSN 1 TeachersCard MasterCard you get rewards, free insurance, EPP, and more as an educator!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
BSN Gold Visa Credit Card-i credit card

Annual fee waivers for life? Free Takaful travel insurance? You'll get great rewards and even better savings with this BSN Islamic Gold Visa credit card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
BSN Classic MasterCard Credit Card-i credit card

Safety first! Get complimentary Takaful travel insurance, great savings and annual fee waivers with the BSN Classic MasterCard-i!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
Bank Rakyat Platinum Credit Card-i credit card

Earn Rakyat Rewards every time you spend then convert to cash whenever you strapped. Plus enjoy free Family Takaful coverage and annual fee waiver!

Profit Rate
islamic
Balance Transfer
3% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply now
Bank Islam Infinite Visa Credit Card-i credit card

Empower yourself with this credit card which provides financing limit as high as triple of your monthly salary and help desk support round the clock!

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read more Apply now

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Best Islamic Credit Cards in Malaysia 2019

What is an Islamic credit card?

Just like a conventional banking card, Islamic credit cards also allow you to make upfront purchases and pay for all of it on a later date. However, Islamic credit cards in Malaysia function on different fundamentals than conventional banking cards do. An Islamic card is a Shariah compliant credit card and therefore limits purchases to halal transactions only.

In most cases, this would relate to the food and beverage industry. Bars and restaurants that serve alcohol or any form of non-halal eateries will not accept an Islamic credit card.

How an Islamic credit card works in Malaysia

Like all credit cards, you make payments upon the stipulated statement date. However, if you surpass the deadline or do not cover the full amount, the credit card company does not charge you interest for Islamic credit cards. It instead charges a fee or what is called a profit rate on the remaining balance.

This is because it is against Islam to impose interest, which is known as riba. That does not mean there are no charges involved. To counter that, the Islamic credit cards charge a fee or profit rate instead.

Another concept that it uses is Ujrah where a payment is made in exchanged for services, benefits and privileges that are being offered to the cardholders.

Find out what is the best Islamic credit card Malaysia offers with our comparison tool. And remember, Islamic credit cards are open to those from all faiths!