Best Islamic Credit Cards in Malaysia 2026
Islamic credit cards are Shariah-compliant and don't charge conventional interest (riba), using structures like Tawarruq or Ujrah instead. They suit anyone wanting Shariah-compliant spending without giving up cashback or rewards. Compare the best Islamic cards in Malaysia below.
16 cards · ranked by value
5% cashback on weekends: dining, groceries & petrol
8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
Shariah-compliant credit-i facility
8% cashback on petrol & groceries (capped RM50/mo)
Up to 3% everyday cashback, low income entry (Islamic)
Up to 10% cashback on 6 everyday categories (Islamic)
Free-for-life Islamic Gold with zero overseas FX fee
Up to 5% everyday cashback with free takaful (Islamic)
Free-for-life Islamic Gold with automatic travel takaful
Affordable Islamic Platinum with cashback + takaful
Free-for-life Islamic Platinum, 2x dining & travel points
5% air/hotel cashback + free lounge access (Islamic)
Shariah-compliant Visa Infinite with air-miles conversion
Up to 8% cashback + global lounge access (Islamic)
Lifetime-free Islamic Infinite with lounge access
Shariah-compliant premium card with lounge passes
How we rank these cards
We shortlist cards relevant to islamic and order them by overall value — headline reward rate, the breadth of benefits, and how accessible the income requirement is — with featured cards surfaced first. Rates and promotions are indicative and time-limited; always confirm the latest terms with the bank before applying. Not financial advice.
Islamic credit cards — FAQ
Are Islamic credit cards interest-free?
Islamic credit cards don't charge conventional interest (riba). Instead they use a Shariah-compliant structure — often a fixed monthly management fee or a profit-based arrangement on the outstanding balance. Compare the effective cost against conventional cards.
Can non-Muslims apply for Islamic credit cards?
Yes. Islamic credit cards are open to everyone in Malaysia, not only Muslims. Many people choose them for the transparent fee structure regardless of religion.
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