Bank Islam Visa Gold Credit Card-i
Bank Islam consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Partial verification · Terms last checked: 2026-11-10
21 Nov 2026 terms applied early. Latest full PDS unverified.
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,000.00
- Minimum annual income
- RM24,000.00
- Qualifying spend
- RM500/month; 3% from RM1,000
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM130.00
- Fee waiver
- Uploaded current consumer product page states annual fee waived with at least 12 transactions OR RM120 total retail spend per annum. Latest full PDS not verified.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- 21 Nov 2026 terms applied early. Latest full PDS unverified. Selected MCCs and shared caps apply. E-wallet reloads excluded conservatively.
- Uses terms effective 21 Nov 2026, applied early.
- Type 1 rewards take priority over overseas rewards, then other local retail. No double counting.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Online, Auto Billings, Grocery and Dining | 3% | RM1,000.00+ | RM30.00 |
| Online, Auto Billings, Grocery and Dining | 1% | RM500.00–RM999.00 | RM30.00 |
| Local Spend | 0.1% | RM500.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.