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Bank Islam · Platinum Mastercard · Miles

Bank Islam Inspire-i

Earns
0.13 miles per RM Online shopping
Lounge
2 visits a year Plaza Premium
Min income
RM36,000 a year
Annual fee
Free for life
See it on Bank Islam's site

Good for

  • Airlines and online spend: 2 TruPoints per RM1, with no cap.
  • No annual fee for life.
  • 2 Plaza Premium lounge visits a year.

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.
  • Only for new graduates aged 21 to 35 under the GradONE programme, who do not already hold a Bank Islam credit card.

What it earns

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

SpendingEarnsDetails
Airlines (direct) in shops or online2 points per RM 0.13 miles per RM.
Spending online except Government / LHDN / JPJ2 points per RM 0.13 miles per RM.
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

Airport lounges
2 free visits a year Plaza Premium. Worldwide, for the main and supplementary cardholders. Guests get up to 20% off.
Overseas spending fee
1.25% On anything charged in a foreign currency.

Insurance

Travel accident
Up to RM1,000,000
Travel inconvenience
Not listed Bank Islam does not list this cover for this card.
Shopping and fraud cover
Not listed Bank Islam does not list this cover for this card.

Fees and charges

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

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life
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
RM36,000 a year or more
Who
New to work, under the GradONE programme, and not already a Bank Islam credit cardholder
Age
21 to 35 Extra cardholders from 18.
Documents
  • Copy of your IC
  • Your letter of employment offer, or your latest 3 months' payslips
  • Your education certificate (diploma, degree, masters, PhD, ACCA or CFA), and your latest transcript if needed

Other perks

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

Where this comes from