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 21 September 2026 · Reviewed by Raymond, Rates.my
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 or rm120/year total retail spend). Standout perks include a Shariah-compliant structure.
Features & benefits
- ✓1% cashback on online/auto-bill/groceries/dining at RM500–999.99/mo spend, 3% at RM1,000+/mo (shared cap RM30/card/mo)
- ✓Separate uncapped 0.1% cashback on local retail spend of RM500+/mo
- ✓Entry-level RM24,000/yr income
- ✓Annual fee waived with 12 transactions/year or RM120/year spend
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 or rm120/year total retail spend)
- +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
The catches most people miss on the Bank Islam Visa Gold Credit Card-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Cash Back excluded on: cash withdrawals (own/other bank ATMs), GoCash & Balance Transfer program, fees & charges (incl. annual fee), Service Tax, instalments billed under GoFlexi/GoCash/IPP/Balance Transfer, government-related payments, FPX and JomPAY, and business/commercial spend. Also excluded MCCs: 5921 (liquor stores), 5973 (religious goods), 7261 (funeral services), 7273 (dating/escort services), 7297 (massage parlours), 7995 (betting/gaming), 9754 (gambling).
- How the cap works
- RM30/card/month cap is shared across the 1%/3% tiered online-auto-bill-groceries-dining cashback. This tier has no overseas card-present cashback ("Not Applicable" per the T&C, unlike Platinum/Infinite); the separate 0.1% local-spend cashback (RM500+/mo) is uncapped.
- Foreign transaction fee
- Visa/Mastercard International's own conversion rate plus a 1.25% conversion fee levied by the Bank — per the official Credit Card-i Fee & Charges PDF and Product Disclosure Sheet.
- Fee waiver
- Annual fee waived with a minimum of 12 transactions per annum OR total retail spending of RM120 per annum (either condition) — per the official product page.
Verified 29 August 2026. Summarised in our own words from Bank Islam's published terms — indicative only, and terms change. Read the official document before you apply.
📄 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 or rm120/year total retail spend.
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.
💬 Discussion
Related credit cards