BSN Al-Aiman Platinum Credit Card-i
Free-for-life Islamic Platinum, 2x dining & travel points
Apply for BSN Al-Aiman Platinum Credit Card-i →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
BSN Al-Aiman Platinum Credit Card-i overview
The BSN BSN Al-Aiman Platinum Credit Card-i is a Platinum-tier Mastercard points card built around rewards points. Free-for-life Islamic Platinum, 2x dining & travel points. It best suits middle-income earners, with a minimum income requirement of RM48,000 a year. It carries no annual fee. Standout perks include complimentary travel insurance, a Shariah-compliant structure.
Features & benefits
- ✓Free for life — no annual fee
- ✓2x Happy Points on dining, travel & overseas spend
- ✓Travel accident takaful up to RM300,000
Is the BSN Al-Aiman Platinum Credit Card-i worth it?
The BSN Al-Aiman Platinum Credit Card-i is best suited to middle-income earners — its minimum income requirement is RM48,000 a year (about RM4,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary travel insurance
- +Shariah-compliant — no conventional interest (riba)
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — BSN sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the BSN Al-Aiman Platinum Credit Card-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Happy Points earn 1x locally, 2x at dining (MCC 5462, 5812-5814), golf (MCC 7992) and airline/travel (MCC 4511, 3000-3299, 4722, 5962) merchants, and 2x on overseas retail spend — per the official product page. No cap stated.
- How the cap works
- No cap stated on Happy Points earning on the official product page or PDS.
- Foreign transaction fee
- Visa International/Mastercard Worldwide's own exchange rate plus a 1% administration cost, per the official PDS's "Overseas Transactions Conversion Fee" clause.
- Fee waiver
- Annual fee waived for life for principal and supplementary cards, no conditions attached, per the official PDS.
- ⚠Late payment charge is 1% of the total outstanding balance as at the statement date, capped at RM100, per the official PDS.
Verified 30 August 2026. Summarised in our own words from BSN's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official BSN Al-Aiman Platinum Credit Card-iterms & product disclosure →BSN Al-Aiman Platinum Credit Card-i FAQ
You need a minimum annual income of RM48,000 (about RM4,000 a month). BSN also considers your overall credit standing.
No — the BSN Al-Aiman Platinum Credit Card-i is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Free-for-life Islamic Platinum, 2x dining & travel points.
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 middle-income earners who want rewards points — its main draw is "Free-for-life Islamic Platinum, 2x dining & travel points". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the BSN Al-Aiman Platinum Credit Card-i compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with BSN before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by BSN; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.