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Bank Islam · Gold Mastercard · Miles

Bank Islam Mastercard Gold-i

Earns
0.06 miles per RM Dining
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
RM130 Waived at RM120 spend a year
See it on Bank Islam's site

Good for

  • 1 TruPoint per RM1 on every retail spend, with no cap.
  • A low RM24,000 income gate.

Watch out

  • Bill payment, auto debit and e-wallet reloads earn no TruPoints.
  • TruPoints expire after 36 months. They convert to Enrich at 16,000 for 1,000, about 0.06 Enrich points per RM1 at 1X.
  • No bonus categories.
  • RM130 annual fee unless you make 12 transactions or spend RM120 a year.

What it earns

TruPoints, per RM spent, and the miles they make in Enrich.

SpendingEarnsDetails
Spending in shops or online1 point per RM 0.06 miles per RM.
JomPAY / FPX / DuitNow to billers, Utilities, Telco and moreNothing JomPAY / FPX / DuitNow to billers, Utilities, Telco, Insurance, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Points and transfers

Enrich
16,000 points for 1,000 miles Moved in blocks of 16,000 points.
When they expire
3 years after they arrive

Travel

Overseas spending fee
1.25% On anything charged in a foreign currency.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM130 Waived if you spend RM120 in a year.
Extra (supplementary) cards
RM60 a card Waived with 12 transactions or RM120 of retail spend a year.
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year An Islamic card (Tawarruq): these are profit rates. They depend on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments.
Late payment
1% of the balance, RM5 to RM50 Charged when the minimum payment is late (ta'widh).
Cash withdrawal
2.5% fee at Bank Islam ATMs, at least RM12 3% or RM50, whichever is higher, at other ATMs. Plus 8% service tax on the fee, and an 18% a year profit rate.
Replacement card
RM50

Who can apply

Income
RM24,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad copy (front and back) or passport
  • Employees: your latest 3 months' payslips or an EPF statement
  • Self-employed: Form 9, 24 or 49 or business registration, your latest 6 months' bank statements, and Form B with the tax receipt

Other perks

Pay by phone
Google Pay, Samsung Pay
Card network
Gold Mastercard

Where this comes from