Bank Islam Visa Gold Credit Card-i
Up to 3% everyday cashback, low income entry (Islamic)
Apply for Bank Islam Visa Gold Credit Card-i →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Bank Islam Bank Islam Visa Gold Credit Card-i overview
The Bank Islam Bank Islam Visa Gold Credit Card-i is a Gold-tier Visa cashback card built around cashback. Up to 3% everyday cashback, low income entry (Islamic). It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It has an annual fee of RM130 (waived with 12 transactions/year). Standout perks include a Shariah-compliant structure.
Features & benefits
- ✓Up to 3% cashback on essentials
- ✓Entry-level RM24,000/yr income
- ✓Annual fee waived on 12 swipes/year
Is the Bank Islam Visa Gold Credit Card-i worth it?
The Bank Islam Visa Gold Credit Card-i is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (waived with 12 transactions/year)
- +Up to 3% cashback on online, auto-bill, groceries, dining
- +Shariah-compliant — no conventional interest (riba)
- +Low income requirement — accessible to first-time applicants
- −RM130 annual fee unless the waiver condition is met
- −Cashback capped at RM30 a month
- −Top cashback applies only to specific categories (online, auto-bill, groceries, dining)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM30/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Bank Islam sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read Bank Islam's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official Bank Islam Visa Gold Credit Card-iterms & product disclosure →Bank Islam Visa Gold Credit Card-i FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). Bank Islam also considers your overall credit standing.
The annual fee is RM130, but it can be waived: waived with 12 transactions/year.
It earns up to 3% cashback on online, auto-bill, groceries, dining, capped at RM30 a month. Up to 3% everyday cashback, low income entry (Islamic).
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for entry-level applicants and first-time cardholders who want cashback — its main draw is "Up to 3% everyday cashback, low income entry (Islamic)". Weigh the RM130 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Bank Islam Visa Gold Credit Card-i compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Bank Islam before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Bank Islam; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.
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