Bank Islam Credit Card-i

Bank Islam Card (“BIC”) is the first purely Shariah contract based credit card to be offered to Muslims and non-Muslims in Malaysia. This card is completely free from any riba or gharar.

Riba is usually translated as “interest” which means an extra amount charged in transactions dealing with silver, gold or money. Gharar is defined as uncertainty or ambiguity. Be assured that neither riba nor gharar is attributable to the Bank Islam Card-i. The Shariah concept that is being used in the operations of BIC is Tawarruq*.

Tawarruq

Tawarruq means the purchase of commodity on differed payment basis by way of either direct sales or cost plus sales. The commodity is then sold for cash to a party other than the original seller.

Discussion among the majority of classical Muslim scholars on tawarruq was done simultaneously with bai’ al-‘inah. In fact, they do not differentiate the discussion on tawarruq and bai’ ‘inah; except the scholars of Hanbalis who have distinguished it.

Generally, tawarruq and bai’ ‘inah are similar in terms of its objective to obtain cash through the selling and buying transactions, but they are different in two aspects. Firstly, bai’ ‘inah does not involve third party as purchaser of the object of sale (asset/commodity), while tawarruq involves third party. Secondly, the sales object in bai’ ‘inah is returned back to the original owner, whereas in tawarruq, there is no such condition.
 
   
 
Bank Islam Mastercard World Premier Wealth Credit Card-i

By invitation – For Premier Wealth Member only

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Bank Islam Visa Infinite Credit Card-i

Enjoy up to 8% Cash Back for Online transaction, Auto Billings, Grocery and Dining.

Minimum Income Requirement: RM100,000 p.a.

   

 

 

 

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Bank Islam Mastercard World Credit Card-i

Earn up to 3 TruPoints on contactless transaction & petrol.

Minimum Income Requirement: RM100,000 p.a.


   
 
Bank Islam Visa FIFA World Cup 2026™ Credit Card-i

Enjoy up to 5% Cash Back for Online transaction, Auto Billings, Grocery and Dining.

Minimum Income Requirement: RM36,000 p.a.

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Bank Islam Visa Platinum Credit Card-i

Enjoy up to 5% Cash Back for Online transaction, Auto Billings, Grocery and Dining.

Minimum Income Requirement: RM36,000 p.a.

   

 

 

 

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Bank Islam Mastercard Platinum Credit Card-i

Earn up to 2 TruPoints on contactless transaction & petrol.

Minimum Income Requirement: RM36,000 p.a.


Bank Islam Mastercard Inspire Credit Card-i

Lifetime annual fee waiver

Earn up to 2X TruPoints on airlines transaction and online transaction

2X complimentary access to Plaza Premium Lounge per year

Minimum Income Requirement: RM36,000 p.a
 

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Bank Islam Visa Gold Credit Card-i

Enjoy up to 3% Cash Back for Online transaction, Auto Billings, Grocery and Dining.

Minimum Income Requirement: RM24,000 p.a.

   

 

 

 

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Bank Islam Mastercard Gold Credit Card-i

Unlimited 1 TruPoints for every RM1 spend.

Minimum Income Requirement: RM24,000 p.a.


Bank Islam Visa Infinite Business Credit Card-i

Enjoy up to 8% Cash Back for Online transaction, Auto Billings, Grocery and Dining.
 

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Click here to download Terms and Conditions effective 8 April 2026

Klik di sini untuk muat turun Terma dan Syarat berkuat kuasa 8 April 2026

Click here to view Fees and Charges.

Click here to download Bank Islam Debit Card-i Cardmember Responsibilities & Liabilities (Malay Version)

  • Click here to download Takaful Coverage for Bank Islam Visa Infinite, Mastercard World, Visa Platinum & Mastercard Platinum Credit Card-i
  • Click here to download Takaful Coverage for Bank Islam Visa Gold & Mastercard Gold Credit Card-i