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Bank Islam · World Mastercard · Miles

Bank Islam Mastercard World-i

Earns
0.19 miles per RM Petrol, from RM4,000 a month
Lounge
3 visits a year Plaza Premium
Min income
RM100,000 a year
Annual fee
RM777 Waived at RM120 spend a year
See it on Bank Islam's site

Good for

  • Contactless and petrol: 3 TruPoints per RM1 in a month you spend RM4,000, up to 8,000 TruPoints.
  • Overseas spend in person: 2 TruPoints per RM1 in the same months, up to 8,000 TruPoints.
  • 3 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.
  • Below RM4,000 a month everything earns 1 TruPoint per RM1.
  • RM777 annual fee unless you make 12 transactions or spend RM120 a year. Needs RM100,000 a year income.

What it earns

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

SpendingEarnsDetails
Spending in shops3 points per RM When you spend RM4,000 or more a month. Up to 8,000 points a month, shared with Petrol in shops or online. 0.19 miles per RM.
Petrol in shops or online3 points per RM When you spend RM4,000 or more a month. Up to 8,000 points a month, shared with Spending in shops. 0.19 miles per RM.
Spending in shops in a foreign currency2 points per RM When you spend RM4,000 or more a month. Up to 8,000 points a month. 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
3 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 RM2,000,000
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
RM777 Waived if you spend RM120 in a year.
Extra (supplementary) cards
RM333 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
RM100,000 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
World Mastercard

Where this comes from